Companies /Financial Services
OneMain Holdings Inc
NYSE: OMF Credit Services
$56.07
▼ $0.35 (−0.62%) today
Markets closed · 4:03am ET

OneMain (OMF) Q3 2025 Earnings

Reported Oct 31, 2025, 6:31am ET · SEC source
$1.67
Beat +4.17%
EPS · est. $1.60
$1.6B
Beat +25.48%
Revenue · est. $1.2B
+9.2%
Beating market
OMF vs S&P since report
5 quarters
Consecutive EPS beats

How Did OMF Stock React to Q3 2025 Earnings?

% change · around the report
−2%0+2%Oct 31Oct 31report 6:31am ETearnings−0.4%+2.1%
−2%0+2%Oct 31Oct 31earnings−0.4%+2.1%
OMF +2.1%S&P 500 −0.4%
−2%0+2%Oct 31Oct 31report 6:31am ETearnings−0.7%+2.1%
−2%0+2%Oct 31Oct 31earnings−0.7%+2.1%
OMF +2.1%NASDAQ −0.7%
−3%0+3%+6%Oct 30Nov 7report 6:31am ETearnings−1.9%+3.8%
−3%0+3%+6%Oct 30Nov 7earnings−1.9%+3.8%
OMF +3.8%S&P 500 −1.9%
−4%0+4%Oct 30Nov 7report 6:31am ETearnings−3.6%+3.8%
−4%0+4%Oct 30Nov 7earnings−3.6%+3.8%
OMF +3.8%NASDAQ −3.6%
+6.17%
Day of report
+3.70%
Next session
+1.71%
One week
+9.46%
30 days

S&P 500 over the same 30 days: +0.27%.

Did OMF Beat Earnings? Q3 2025 Results

Yes. OneMain reported Q3 2025 earnings of $1.67 a share on Oct 31, 2025, beating the $1.60 consensus estimate by 4.2%. Revenue was $1.6B against a $1.2B estimate.

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

“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.”

OneMain CEO, on the earnings call

OMF YoY Financials

Q3 2025 vs Q3 2024 · SEC filings Q3 2024 Q3 2025
$0$500.0M$1.0B$1.5B$1.5B$1.6BRevenue$157.0M$199.0MNet Income$207.0M$263.0MOperating Income
$0$500.0M$1.0B$1.5BRevenueNet IncomeOperating Income
OMF income statement, Q3 2025 versus Q3 2024
Metric Q3 2025 Q3 2024 Year over year
Revenue $1.6B $1.5B +6.1%
Net Income $199.0M $157.0M +26.8%
Operating Income $263.0M $207.0M +27.1%

OMF Revenue by Segment

Consumer and Insurance$1.6B

Figures from SEC filings and company reports. Not investment advice.