Stock Market Live July 1, 2026: S&P 500 (SPY) Lower as Investors Wait on the Fed and Fresh Economic Data
OneMain (OMF) Q1 2026 Earnings
Reported May 1, 2026 at 6:33 AM ET · SEC Source
Q1 26 EPS
$1.93
BEAT +3.81%
Est. $1.86
Q1 26 Revenue
$1.58B
BEAT +25.19%
Est. $1.27B
vs S&P Since Q1 26
+2.7%
BEATING MARKET
OMF +6.5% vs S&P +3.8%
Market Reaction
Did OMF Beat Earnings? Q1 2026 Results
OneMain Holdings delivered a strong first quarter of 2026, beating Wall Street expectations on both the top and bottom lines as receivables growth continued to power the consumer lender's results. The company posted GAAP diluted EPS of $1.93, ahead o… Read more OneMain Holdings delivered a strong first quarter of 2026, beating Wall Street expectations on both the top and bottom lines as receivables growth continued to power the consumer lender's results. The company posted GAAP diluted EPS of $1.93, ahead of the $1.86 consensus estimate by 3.81%, while revenue of $1.58 billion cleared expectations by 25.19% and rose 5.5% from a year ago. The primary engine behind the quarter was expansion in the managed receivables portfolio, which climbed 6% year-over-year to $26.10 billion, lifting total C&I interest income and driving net income to $226 million from $213 million in Q1 2025. The credit card segment added further momentum, with net finance receivables reaching $983 million, up sharply from $676 million a year ago. Credit quality showed some pressure, with the net charge-off ratio edging up to 8.02% from 7.83%, though the 30-plus-day delinquency rate improved sequentially from 5.85% at year-end to 5.37%. The company also returned $105 million to shareholders via buybacks and declared a quarterly dividend of $1.05 per share, reflecting management's confidence in its capital position despite ongoing economic uncertainties.
Key Takeaways
- • Receivables growth of 6% year-over-year driving interest income increases
- • Consumer loan originations up 3% to $3.1 billion
- • Credit card portfolio rapid growth to $983 million from $676 million a year ago
- • Auto finance receivables growth to $2.6 billion from $2.2 billion a year ago
- • Insurance revenue stable at $112 million
OMF YoY Financials
Q1 2026 vs Q1 2025, source: SEC Filings
OMF Revenue by Segment
With YoY comparisons, source: SEC Filings
“We delivered a very good start to 2026, executing on our growth initiatives while maintaining our disciplined credit approach and balance sheet management.”
— Doug Shulman, Q1 2026 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% |