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Dec 31, 2025
OneMain Q4 2025 Earnings Report
OneMain Holdings, Inc. reported strong financial results for the fourth quarter of 2025, with significant increases in net income and diluted EPS compared to the prior year quarter.
Key Takeaways
OneMain Holdings, Inc. announced a strong fourth quarter for 2025, with pretax income reaching $249 million and net income at $204 million, significantly up from the prior year. Diluted EPS also saw a substantial increase to $1.72. The company's managed receivables grew by 6% to $26.3 billion, and consumer loan originations increased by 3% to $3.6 billion.
Net income for Q4 2025 was $204 million, a significant increase from $126 million in Q4 2024.
Diluted EPS for Q4 2025 was $1.72, up from $1.05 in the prior year quarter.
Managed receivables grew by 6% to $26.3 billion at December 31, 2025, compared to $24.7 billion at December 31, 2024.
Consumer loan originations totaled $3.6 billion in Q4 2025, a 3% increase from $3.5 billion in the prior year quarter.
Revenue by Segment
Forward Guidance
OneMain Holdings, Inc. anticipates continued profitable growth and long-term value creation, driven by a disciplined approach to credit, ongoing investments in innovation, and strong customer commitment.
Positive Outlook
- Strong revenue and earnings growth in 2025 positions the company well for the upcoming year.
- Disciplined approach to credit is expected to support profitable growth.
- Ongoing investments in innovation are anticipated to drive future performance.
- Deep commitment to customers is seen as a foundation for long-term value creation.
- The company's capital generation increased, indicating strong financial health.
Challenges Ahead
- Adverse changes and volatility in general economic conditions, including interest rates and financial markets, could impact results.
- Increased levels of unemployment and personal bankruptcies could affect finance receivable losses.
- The current inflationary environment and related trends may impact customers.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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