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OneMain

OneMain (OMF) Q4 2025 Earnings

Reported Feb 5, 2026 at 6:29 AM ET · SEC Source

Q4 25 EPS

$1.59

BEAT +3.29%

Est. $1.54

Q4 25 Revenue

$1.61B

BEAT +25.21%

Est. $1.29B

vs S&P Since Q4 25

-6.5%

TRAILING MARKET

OMF +3.9% vs S&P +10.4%

Full Year 2025 Results

FY 25 EPS

$6.56

FY 25 Revenue

$6.18B

Market Reaction

Did OMF Beat Earnings? Q4 2025 Results

OneMain Holdings delivered a strong fourth-quarter 2025 earnings beat, with adjusted diluted EPS of $1.59 topping the $1.54 consensus estimate by 3.29% and revenue of $1.61 billion clearing expectations by a wide 25.21% margin, rising 7.4% year-over-… Read more OneMain Holdings delivered a strong fourth-quarter 2025 earnings beat, with adjusted diluted EPS of $1.59 topping the $1.54 consensus estimate by 3.29% and revenue of $1.61 billion clearing expectations by a wide 25.21% margin, rising 7.4% year-over-year. The headline driver was portfolio expansion, as managed receivables climbed 6% to $26.30 billion and consumer loan originations reached $3.60 billion, while portfolio yield widened to 22.5% from 22.2% a year ago, collectively lifting C&I revenue 8% and pushing GAAP net income to $204 million from $126 million in Q4 2024. Capital generation, the company's internal performance yardstick, reached $225 million for the quarter and $913 million for the full year, up sharply from $685 million in 2024, underscoring the earnings power of the expanding portfolio. Credit quality offered a nuanced picture, with the net charge-off ratio improving modestly to 7.56%, though the 30-plus day delinquency ratio edged up to 5.85%, a signal analysts noted while weighing the company's resilient loan growth against a more cautious macroeconomic backdrop.

Key Takeaways

  • • Receivable growth of 6% year-over-year to $26.3 billion in managed receivables
  • • Improved portfolio yield to 22.5% from 22.2% year-over-year
  • • Consumer loan originations up 3% to $3.6 billion
  • • Net interest income increased 8% year-over-year
  • • Improved credit performance with net charge-off ratio declining year-over-year on a full-year basis
24/7 Wall St

OMF YoY Financials

Q4 2025 vs Q4 2024, source: SEC Filings

24/7 Wall St

OMF Revenue by Segment

With YoY comparisons, source: SEC Filings

Q2 25 Q1 26

“2025 was a great year highlighted by excellent revenue and earnings growth that positions us well for the year ahead.”

— Doug Shulman, Q4 2025 Earnings Press Release

Back to OMF Stock Page