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OneMain

OneMain (OMF) Q2 2025 Earnings

Reported Jul 25, 2025 at 6:31 AM ET · SEC Source

Q2 25 EPS

$1.45

BEAT +18.52%

Est. $1.22

Q2 25 Revenue

$1.52B

BEAT +26.93%

Est. $1.19B

vs S&P Since Q2 25

-4.3%

TRAILING MARKET

OMF +13.1% vs S&P +17.4%

Market Reaction

Did OMF Beat Earnings? Q2 2025 Results

OneMain Holdings delivered a standout second quarter for 2025, posting non-GAAP diluted EPS of $1.45, beating the $1.23 consensus estimate by 18.52%, while revenue of $1.51 billion cleared expectations by 26.93% and rose 7.8% from a year ago. The pri… Read more OneMain Holdings delivered a standout second quarter for 2025, posting non-GAAP diluted EPS of $1.45, beating the $1.23 consensus estimate by 18.52%, while revenue of $1.51 billion cleared expectations by 26.93% and rose 7.8% from a year ago. The primary engine behind the results was a meaningful improvement in credit quality, with the consumer loan net charge-off ratio declining to 7.19% from 8.29% in Q2 2024 and the 30-plus day delinquency ratio falling to 5.17% from 5.45%, which allowed the provision for finance receivable losses to ease to $511 million despite a growing receivable base. Managed receivables climbed 7% year-over-year to $25.20 billion, supported by $3.90 billion in consumer loan originations, up 9% from the prior-year quarter. GAAP net income reached $167 million, sharply higher than $71 million in Q2 2024, while capital generation, a key internal performance metric, rose to $222 million from $136 million. The company also declared a quarterly dividend of $1.04 per share.

Key Takeaways

  • • Receivable growth of 7% year-over-year to $25.2 billion managed receivables
  • • Consumer loan originations up 9% to $3.9 billion
  • • Improved portfolio yield to 22.6% from 21.9% year-over-year
  • • Net charge-off ratio improved to 7.19% from 8.29% in the prior year quarter
  • • 30+ day delinquency ratio improved to 5.17% from 5.45% year-over-year
  • • Capital generation increased to $222 million from $136 million year-over-year
24/7 Wall St

OMF YoY Financials

Q2 2025 vs Q2 2024, source: SEC Filings

24/7 Wall St

OMF Revenue by Segment

With YoY comparisons, source: SEC Filings

Q2 25 Q1 26

“OneMain's strong financial results in the first half of 2025 reflect the strength of our business model and our disciplined approach to underwriting. With solid growth in high-quality originations, continued credit improvement, disciplined balance sheet management and execution of our strategic initiatives, we continue to create shareholder value.”

— Doug Shulman, Q2 2025 Earnings Press Release

Back to OMF Stock Page