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OneMain (OMF) Q3 2025 Earnings
Reported Oct 31, 2025 at 6:31 AM ET · SEC Source
Q3 25 EPS
$1.67
BEAT +4.17%
Est. $1.60
Q3 25 Revenue
$1.56B
BEAT +25.48%
Est. $1.24B
vs S&P Since Q3 25
+1.8%
BEATING MARKET
OMF +11.4% vs S&P +9.7%
Market Reaction
Did OMF Beat Earnings? Q3 2025 Results
OneMain Holdings delivered a strong third quarter for 2025, beating Wall Street expectations on both the top and bottom lines as improving credit quality and expanding receivables drove broad-based gains. The consumer lender posted earnings per share… Read more OneMain Holdings delivered a strong third quarter for 2025, beating Wall Street expectations on both the top and bottom lines as improving credit quality and expanding receivables drove broad-based gains. The consumer lender posted earnings per share of $1.67, ahead of the $1.60 consensus estimate by 4.17%, while revenue of $1.55 billion cleared expectations by 25.48% and grew 6.1% from the year-ago period. The clearest engine behind the beat was a meaningful tightening in credit performance, with the consumer loan net charge-off ratio falling to 6.67% from 7.33% in Q3 2024 and the provision for finance receivable losses declining to $488 million from $512 million a year earlier. GAAP net income rose to $199 million from $157 million in the prior year quarter, supported by managed receivables that reached $25.90 billion, up 6% year-over-year. The company also approved a new $1 billion share repurchase program, and institutional investors have recently been adding to their positions in the stock, reflecting broader confidence in OneMain's trajectory.
Key Takeaways
- • Receivable growth of 6% year-over-year to $25.9 billion managed receivables
- • Improved credit performance with consumer loan net charge-off ratio declining to 6.67% from 7.33% year-over-year
- • Improved portfolio yield to 22.6% from 22.1% year-over-year
- • Consumer loan originations up 5% year-over-year to $3.9 billion
- • Capital generation increased to $272 million from $211 million year-over-year
OMF YoY Financials
Q3 2025 vs Q3 2024, source: SEC Filings
OMF Revenue by Segment
With YoY comparisons, source: SEC Filings
“We delivered excellent third quarter results with encouraging momentum in revenue growth and continued positive credit trends. Our ability to both innovate and execute positions us well to drive shareholder value in the near and long-term.”
— Doug Shulman, Q3 2025 Earnings Press Release
OMF Earnings Trends
OMF vs Market 30 Day Price Reactions
30-day stock return vs benchmark after each earnings
OMF EPS Trend
Earnings per share: estimate vs actual
OMF Revenue Trend
Quarterly revenue: estimate vs actual
OMF Quarterly Results
4 quarters of earnings data
| Quarter | EPS Est. | EPS Act. | Surprise | Revenue | Rev. Surprise |
|---|---|---|---|---|---|
| Q1 26 BEAT | $1.86 | $1.93 | +3.81% | $1.58B | +25.19% |
| Q4 25 BEAT FY | $1.54 | $1.59 | +3.29% | $1.61B | +25.21% |
| FY Full Year | — | $6.56 | — | $6.18B | — |
| Q3 25 BEAT | $1.60 | $1.67 | +4.17% | $1.56B | +25.48% |
| Q2 25 BEAT | $1.22 | $1.45 | +18.52% | $1.52B | +26.93% |