OneMain (NYSE:OMF) Announces Quarterly Earnings Results

OneMain (NYSE:OMF) posted its earnings results on Thursday. The financial services provider reported $1.59 earnings per share for the quarter, beating the consensus estimate of $1.55 by $0.04, FiscalAI reports. OneMain had a net margin of 13.15% and a return on equity of 22.70%. The firm had revenue of $1.61 billion during the quarter, compared to analyst estimates of $1.28 billion. During the same period in the previous year, the firm earned $1.16 EPS.

Here are the key takeaways from OneMain’s conference call:

• OneMain reported a strong 2025 with full‑year C&I adjusted EPS of $6.66 (+36%), $913M capital generation (+33%), revenue +9%, and managed receivables over $26B.
• Credit trends improved materially in 2025 — C&I net charge‑offs fell 46 bps and consumer loan net charge‑offs fell 63 bps, while loan loss reserves remained steady at 11.5%.
• Management is scaling growth initiatives — expanding the auto platform (new pass‑through partnership with Ally), growing the credit card book (~1.1M accounts, $936M receivables), launching a homeowner‑secured product, and embedding AI to boost origination and productivity.
• Capital allocation is shareholder‑friendly, with a regular dividend of $4.20 (~7% yield), a $1B share repurchase authorization (through 2028) and a stated bias to allocate excess capital to buybacks.
• Risks include a concentrated underperforming backbook (17% of 30+ delinquencies but only 6% of the portfolio) and macro uncertainty (persistent inflation, softer labor market), leading management to keep conservative underwriting and guide C&I net charge‑offs of 7.4%–7.9% for 2026.

OneMain Trading Down 1.8%

OMF stock traded down $1.14 during midday trading on Thursday, reaching $62.06. The stock had a trading volume of 905,465 shares, compared to its average volume of 1,361,477. OneMain has a 52-week low of $38.00 and a 52-week high of $71.93. The company’s fifty day simple moving average is $66.57 and its 200 day simple moving average is $61.27. The company has a market cap of $7.31 billion, a price-to-earnings ratio of 10.56, a price-to-earnings-growth ratio of 0.36 and a beta of 1.33.

Insider Activity

In other news, COO Micah R. Conrad sold 5,000 shares of the firm’s stock in a transaction dated Friday, November 7th. The shares were sold at an average price of $59.20, for a total value of $296,000.00. Following the transaction, the chief operating officer directly owned 88,221 shares of the company’s stock, valued at approximately $5,222,683.20. This trade represents a 5.36% decrease in their ownership of the stock. The transaction was disclosed in a filing with the SEC, which is available at this link. Also, SVP Michael A. Hedlund sold 652 shares of the business’s stock in a transaction dated Wednesday, November 26th. The stock was sold at an average price of $62.00, for a total transaction of $40,424.00. Following the transaction, the senior vice president owned 15,179 shares in the company, valued at $941,098. The trade was a 4.12% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. Insiders sold 63,152 shares of company stock worth $4,269,999 over the last three months. Insiders own 0.40% of the company’s stock.

Institutional Investors Weigh In On OneMain

Several hedge funds and other institutional investors have recently made changes to their positions in OMF. SummitTX Capital L.P. purchased a new position in shares of OneMain during the 3rd quarter worth $501,000. Caxton Associates LLP purchased a new stake in shares of OneMain in the second quarter valued at about $506,000. Prudential Financial Inc. increased its position in OneMain by 32.9% during the second quarter. Prudential Financial Inc. now owns 9,492 shares of the financial services provider’s stock worth $541,000 after purchasing an additional 2,350 shares during the last quarter. Merit Financial Group LLC raised its stake in OneMain by 64.3% during the third quarter. Merit Financial Group LLC now owns 9,820 shares of the financial services provider’s stock worth $554,000 after purchasing an additional 3,844 shares during the period. Finally, Evergreen Capital Management LLC acquired a new position in OneMain in the 2nd quarter valued at about $590,000. Institutional investors and hedge funds own 85.82% of the company’s stock.

Wall Street Analysts Forecast Growth

OMF has been the topic of a number of analyst reports. Wells Fargo & Company raised their target price on OneMain from $63.00 to $75.00 and gave the company an “equal weight” rating in a research report on Monday, January 5th. JMP Securities set a $68.00 price target on OneMain in a research report on Monday, November 24th. Weiss Ratings restated a “buy (b-)” rating on shares of OneMain in a research report on Monday, December 29th. TD Cowen reaffirmed a “buy” rating on shares of OneMain in a research note on Thursday, January 8th. Finally, Truist Financial began coverage on OneMain in a research report on Monday, December 8th. They set a “buy” rating and a $75.00 target price on the stock. Eight equities research analysts have rated the stock with a Buy rating, three have assigned a Hold rating and one has issued a Sell rating to the company. According to MarketBeat, the company has an average rating of “Moderate Buy” and a consensus target price of $72.33.

OneMain Company Profile

OneMain Financial (NYSE: OMF) is a leading consumer finance company specializing in unsecured personal loans for middle-income customers. The company offers tailored loan products designed to address a variety of needs, including debt consolidation, home improvement financing, large purchases and emergency expenses. Through a combination of branch-based service and digital channels, OneMain aims to deliver a personalized borrowing experience with flexible repayment options and transparent terms.

Tracing its roots back to the Commercial Credit Company founded in 1912, OneMain has evolved through a series of mergers and corporate transformations.