OneMain (OMF) Q2 2025 Earnings
How Did OMF Stock React to Q2 2025 Earnings?
S&P 500 over the same 30 days: +1.27%.
Did OMF Beat Earnings? Q2 2025 Results
Yes. OneMain reported Q2 2025 earnings of $1.45 a share on Jul 25, 2025, beating the $1.22 consensus estimate by 18.5%. Revenue was $1.5B against a $1.2B estimate.
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.
- 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
“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.”
OneMain CEO, on the earnings call
OMF YoY Financials
| Metric | Q2 2025 | Q2 2024 | Year over year |
|---|---|---|---|
| Revenue | $1.5B | $1.4B | +7.8% |
| Net Income | $167.0M | $71.0M | +135.2% |
| Operating Income | $214.0M | $92.0M | +132.6% |
OMF Revenue by Segment
Figures from SEC filings and company reports. Not investment advice.