OneMain Holdings, Inc. OMF

Financials SIC 6141 - Personal Credit Institutions NAICS Finance and Insurance › Credit Intermediation and Related Activities › Nondepository Credit Intermediation › Other Nondepository Credit Intermediation › Consumer Lending derived NYSE

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:

Last close 55.72 2026-10-23
Market cap $6.44B 2026-03-31 share count
52-week range 45.78 - 71.93

Valuation FY2025 figures against the last close

P/S1.2x
P/E8.5x
P/FCF2.1x
EV/EBITDA—
Dividend yield7.8%
Diluted EPS6.56

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
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 6.594.265.337.029.915.426.283.291.351.60
EPS, diluted 6.564.245.327.019.885.416.273.291.351.59
Shares, diluted (wtd. avg.) 119.3M120.1M120.6M124.4M133.1M134.9M136.3M136.0M135.7M135.1M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
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 FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
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.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 2B 4B 6B Revenue, FY2016: 3.1B Net income, FY2016: 215M Revenue, FY2017: 3.2B Net income, FY2017: 183M Revenue, FY2018: 3.7B Net income, FY2018: 447M Revenue, FY2019: 4.1B Net income, FY2019: 855M Revenue, FY2020: 4.4B Net income, FY2020: 730M Revenue, FY2021: 4.4B Net income, FY2021: 1.3B Revenue, FY2022: 4.4B Net income, FY2022: 872M Revenue, FY2023: 4.6B Net income, FY2023: 641M Revenue, FY2024: 5B Net income, FY2024: 509M Revenue, FY2025: 5.5B Net income, FY2025: 783M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $3.11B $3.20B $3.66B $4.13B $4.37B $4.36B $4.43B $4.56B $4.99B $5.46B
Gross profit — — — — — — — — — —
Net income $215.0M $183.0M $447.0M $855.0M $730.0M $1.31B $872.0M $641.0M $509.0M $783.0M

Recent filings and events

  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • New debt or obligation The company has taken on debt or a comparable obligation. Item 2.03
  • Material agreement signed Item 1.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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