OMF
OneMain Holdings, Inc.67.75
+0.55+0.82%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
8.05BP/E (TTM)
11.48Basic EPS (TTM)
5.90Dividend Yield
0.06%Recent Filings
8-K
10-Q
Q3 FY2025 results
OneMain Holdings posted solid Q3 2025 results, with net revenue climbing 12% year-over-year to $1.2B, driven by higher loan originations and portfolio growth, while net income held steady at $112M despite rising credit costs. Quarterly EPS came in at $0.96, aligning with diluted shares of 117M, but year-to-date figures show a slight dip from Q3 2024's pace due to seasonal effects. Gross margins expanded 1.5 points to 78.2%, fueled by efficient funding, yet operating expenses ticked up from variable comp. Cash from operations reached $450M, yielding positive free cash flow of $300M after capex, bolstering liquidity with $800M in cash and $2.5B total debt under control covenants. No major M&A closed this quarter. Competition in consumer lending remains a key watch point.
8-K
Q3 earnings surge, buyback approved
OneMain Holdings reported Q3 2025 net income of $199 million, up from $157 million last year, with diluted EPS at $1.67 versus $1.31. Managed receivables hit $25.9 billion, a 6% rise, fueled by 5% higher loan originations to $3.9 billion and 9% revenue growth to $1.6 billion, while net charge-offs eased to 6.67%. The board hiked the dividend 1% to $1.05 per share and greenlit a $1.0 billion buyback through 2028. Strong credit trends boost capital generation.
8-K
OneMain issues $800M notes
OneMain Finance Corporation issued $800.0 million in 6.500% senior notes due March 15, 2033, on September 17, 2025, guaranteed by parent OneMain Holdings. Interest pays semiannually starting March 15, 2026; notes rank equally with other unsubordinated debt but subordinate to secured obligations. Redemption options kick in early at a make-whole premium, easing to 100% after 2030. This bolsters liquidity amid tight credit markets, yet covenants curb liens and mergers.
8-K
OneMain launches $800M notes offering
OneMain Finance Corporation, a subsidiary of OneMain Holdings, announced an $800 million public offering of 6.500% senior notes due 2033 on September 3, 2025, with closing expected on September 17, 2025. OMH guarantees the notes, issued through underwriters led by Mizuho Securities and RBC Capital Markets. Proceeds will fund general corporate purposes, including potential debt repurchases. Underwriters' affiliates maintain ongoing business ties with the company.
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