OneMain Holdings, Inc. OMF
This report combines the Annual Reports on Form 10-K for the year ended December 31, 2025 for OneMain Holdings, Inc. ("OMH"), a publicly held financial service holding company, and its wholly-owned direct subsidiary, OneMain Finance Corporation ("OMFC"). OMFC is the issuing entity of our outstanding public debt securities and all of OMFC's common stock is owned by OMH. The information in this combined report is equally applicable to OMH and OMFC, except where otherwise indicated. OMH and OMFC are referred to in this report, collectively with their subsidiaries, whether directly or indirectly owned, as "the Company," "OneMain," "we," "us," or "our."
As one of the nation's leaders in offering nonprime consumers responsible access to credit, we:
Valuation FY2025 figures against the last close
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5.46B | $4.99B | $4.56B | $4.43B | $4.36B | $4.37B | $4.13B | $3.66B | $3.20B | $3.11B |
| Interest expense | $4.18B | $3.81B | $3.54B | $3.54B | $3.43B | $3.34B | $3.16B | $2.78B | $2.38B | $2.25B |
| Pre-tax income | $1.00B | $667.0M | $840.0M | $1.16B | $1.74B | $977.0M | $1.10B | $624.0M | $431.0M | $356.0M |
| Income tax | $218.0M | $158.0M | $199.0M | $283.0M | $427.0M | $247.0M | $243.0M | $177.0M | $248.0M | $113.0M |
| Net income | $783.0M | $509.0M | $641.0M | $872.0M | $1.31B | $730.0M | $855.0M | $447.0M | $183.0M | $215.0M |
| EPS, basic | 6.59 | 4.26 | 5.33 | 7.02 | 9.91 | 5.42 | 6.28 | 3.29 | 1.35 | 1.60 |
| EPS, diluted | 6.56 | 4.24 | 5.32 | 7.01 | 9.88 | 5.41 | 6.27 | 3.29 | 1.35 | 1.59 |
| Shares, diluted (wtd. avg.) | $119.3M | $120.1M | $120.6M | $124.4M | $133.1M | $134.9M | $136.3M | $136.0M | $135.7M | $135.1M |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $914.0M | $458.0M | $1.01B | $959.0M | $1.02B | $2.72B | $1.63B | $1.18B | $1.49B | $1.15B |
| Property, plant and equipment | — | — | — | — | — | — | — | $133.0M | $144.0M | $167.0M |
| Goodwill | $1.47B | $1.47B | $1.44B | $1.44B | $1.44B | $1.42B | $1.42B | $1.42B | $1.42B | $1.42B |
| Other intangibles | $282.0M | $286.0M | $260.0M | $261.0M | $274.0M | $306.0M | $343.0M | $388.0M | $440.0M | $492.0M |
| Total assets | $27.39B | $25.91B | $24.29B | $22.54B | $22.09B | $22.47B | $22.82B | $20.09B | $19.43B | $18.12B |
| Long-term debt | $22.69B | $21.44B | $19.81B | $18.28B | $17.75B | $17.80B | $17.21B | $15.18B | $15.05B | $13.96B |
| Total liabilities | $23.99B | $22.72B | $21.11B | $19.52B | $18.99B | $19.03B | $18.49B | $16.29B | $16.16B | $15.06B |
| Retained earnings | $2.58B | $2.30B | $2.29B | $2.12B | $1.73B | $1.69B | $2.60B | $2.15B | $1.71B | $1.52B |
| Total equity | $3.40B | $3.19B | $3.19B | $3.02B | $3.04B | $3.44B | $4.33B | $3.80B | $3.28B | $3.07B |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $3.13B | $2.70B | $2.52B | $2.39B | $2.25B | $2.21B | $2.36B | $2.05B | $1.55B | $1.32B |
| Stock-based compensation | $36.0M | $30.0M | $36.0M | $31.0M | $23.0M | $17.0M | $13.0M | $21.0M | $17.0M | $22.0M |
| Investing cash flow | -$3.16B | -$3.27B | -$2.86B | -$2.12B | -$2.14B | -$751.0M | -$3.43B | -$2.40B | -$2.19B | -$106.0M |
| Financing cash flow | $500.0M | $161.0M | $932.0M | -$326.0M | -$1.81B | -$370.0M | $1.52B | $44.0M | $975.0M | -$1.69B |
| Dividends paid | $499.0M | $498.0M | $487.0M | $480.0M | $1.27B | $806.0M | $408.0M | $0 | $0 | — |
| Buybacks | $141.0M | $35.0M | $65.0M | $303.0M | $368.0M | $45.0M | $0 | $0 | — | — |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001584207-26-000012.
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| WRLD | WORLD ACCEPTANCE CORP | $888.5M | — | — |