Monday 26 October 2026 Export OMF’s income statement to Excel — free account

OneMain Holdings, Inc.

OneMain Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $6.2 billion, up 8.56% from fiscal 2024. In the quarter to June 2026, revenue grew 7.19%, EPS fell 5.71%, free cash flow grew 3.36% and total debt rose 3.25%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for five, operating cash flow growth for five.

55.72 1.39 −2.43%

Follow OMF

Alert me

Market cap: $6.4B
P/E: 8.4×
Fwd P/E: 8.5×
Dividend yield: 7.54%
F-score: n/a
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis

Insider Decisions trades per month

Total sells 7.86

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	3	—	1	1	—	1	—	2	1	1	—	—

Insider Ownership 1.09%

Capital & Financial Ratios $m

Market Cap 6,410.00

Revenue 6,372.00

Net Income 781.00

Free Cash Flow 3,232.00

Net Debt 22,202.00

Current Ratio 0.00

Debt/Equity 6.73

P/E ratio 8.39

Fwd P/E 8.52

P/S ratio 1.01

P/B ratio 1.90

Past 5Y EPS Growth 3.93%

This Y EPS Growth 0.67%

Next Y EPS Growth 26.18%

Next Y revenue growth (14.53%)

Next 5Y EPS Growth 12.18%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 43.71%

10-year low 10-year high

P/S against its own 10 years 33.66%

10-year low 10-year high

P/B against its own 10 years 72.48%

10-year low 10-year high

Dividends

Payout Ratio 0.63

Annual Dividend Rate 4.20

Annual Dividend Yield 7.54%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	4.20	1.05 1.05 1.05
2025	4.17	1.04 1.04 1.04 1.05
2024	4.12	1.00 1.04 1.04 1.04
2023	4.00	1.00 1.00 1.00 1.00
2022	3.80	0.95 0.95 0.95 0.95
2021	1.85	0.45 0.70 3.50 0.70
2020	1.11	2.50 0.33 0.33 0.45
2019	1.00	0.25 0.25 0.25 0.25
2018	Powerpack
2017	Powerpack

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	1,014	458	914	567
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	19,112	20,541	22,091	21,997

	2023	2024	2025	2026
Payables	—	—	—	—
ST’ Debt	—	—	—	—
Other	—	—	—	—
	—	—	—	—

Compound Annual Growth %

	10y	5y	3y
Sales	10.91%	4.76%	6.84%
Cash Flow	15.50%	7.20%	9.48%
Earnings	0.00%	1.41%	(3.52%)
Book Value	2.22%	(0.23%)	4.10%

Earnings Trends EPS, adjusted, against the consensus

Q2 FY26 Estimate 1.31 Actual 1.31

1.21 1.42 1.63 1.84 2.05

Q3 FY25 Beat +0.32

Q4 FY25 Beat +0.04

Q1 FY26 Beat +0.03

Q2 FY26 Met 0.00

Q3 FY26 — Oct 30

Earnings per share against the consensus, by quarter
Quarter	Estimate	Reported	Result
Q3 FY25	1.58	1.90	Beat by 0.32
Q4 FY25	1.55	1.59	Beat by 0.04
Q1 FY26	1.92	1.95	Beat by 0.03
Q2 FY26	1.31	1.31	Met by 0.00
Q3 FY26	1.59	—	Reports 30 October 2026

EPS $

	Mar	Jun	Sep	Dec	Year
’26	1.93	1.32	—	—	—
’25	1.78	1.40	1.67	1.72	6.56
’24	1.29	0.59	1.31	1.05	4.24
’23	1.48	0.85	1.61	1.38	5.32
’22	2.36	1.68	1.52	1.48	7.06
’21	3.06	2.60	2.17	2.02	9.87
’20	0.24	0.66	1.86	2.67	5.41

Fiscal quarters ending in the months shown.

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	1,584	1,624	—	—	—
’25	1,496	1,515	1,555	1,609	6,175
’24	1,353	1,393	1,464	1,478	5,688
’23	1,271	1,302	1,352	1,374	5,299
’22	1,251	1,234	1,288	1,291	5,064
’21	1,151	1,221	1,268	1,255	4,895
’20	1,247	1,225	1,190	1,232	4,894

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	739	800	—	—	—
’25	665	774	828	865	3,132
’24	558	711	678	752	2,699
’23	562	683	596	678	2,519
’22	553	625	545	664	2,387
’21	556	574	509	608	2,247
’20	565	639	425	583	2,212

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	739	800	—	—	—
’25	665	774	828	865	3,132
’24	558	711	678	752	2,699
’23	562	683	596	678	2,519
’22	553	625	545	664	2,387
’21	556	574	509	608	2,247
’20	565	639	425	583	2,212

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	Trend	10 yrs	2026e	2027e	2028e	Next 3/yr
												Ten-year view		Analyst estimates Powerpack
Price, $
Price, $	Low	16.03	21.56	22.47	23.44	12.21	44.45	28.77	32.79	41.70	38.00		+10.1%	‡‡‡‡	‡‡‡‡	‡‡‡‡	‡‡‡‡
	High	41.25	33.39	37.29	44.87	48.92	63.19	55.50	49.89	57.97	70.17		+6.1%	‡‡‡‡	‡‡‡‡	‡‡‡‡	‡‡‡‡
People
People	Employees	10,100	10,100	10,200	9,700	8,300	8,800	9,200	9,100	9,000	9,300		(0.9%)	‡‡‡‡	‡‡‡‡	‡‡‡‡	‡‡‡‡
	Revenue/emp, $m	0.38	0.37	0.41	0.49	0.59	0.56	0.55	0.58	0.63	0.66		+6.3%	‡‡‡‡	‡‡‡‡	‡‡‡‡	‡‡‡‡
Income, $m
Income, $m	Revenue	3,883	3,756	4,232	4,749	4,894	4,895	5,064	5,299	5,688	6,175		+5.3%	5,278	5,697	6,105	(0.4%)
	Gross margin, %	77.96	78.27	79.32	79.57	79.02	80.86	82.39	80.77	79.17	79.40		+1.4 pt	Powerpack OneMain Holdings, Inc.’s next three years, line by line Analysts expect revenue to shrink 0.4% a year to 2028 — slower than the 5.3% of the last 9 years. See the consensus for every other line: earnings, margins, cash flow, valuation and returns. Unlock estimates Try Powerpack free for 7 days, then $99 / year ($8.25 a month). Cancel any time. Also in Powerpack: every quarter, Excel exports, API & MCP access. Compare plans
	EBT	356	431	624	1,098	977	1,741	1,155	840	667	1,001		+12.2%
	EBT margin, %	9.17	11.47	14.74	23.12	19.96	35.57	22.81	15.85	11.73	16.21		+7.0 pt
	Net income	243	183	447	855	730	1,314	872	641	509	783		+13.9%
	Depreciation	521	328	289	271	264	264	262	257	277	287		(6.4%)
Per share, $
Per share, $	Revenue	28.82	27.77	31.19	34.90	36.33	36.90	40.78	44.02	47.54	52.04		+6.8%
	Earnings	1.60	1.35	3.29	6.27	5.41	9.87	7.06	5.32	4.24	6.56		+17.0%
	Cash flow	9.81	11.50	15.08	17.36	16.42	16.94	19.22	20.93	22.56	26.39		+11.6%
	Capex	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00		n/m
	Free cash flow	9.81	11.50	15.08	17.36	16.42	16.94	19.22	20.93	22.56	26.39		+11.6%
	Book value	22.76	24.24	28.00	31.82	25.54	23.32	24.28	26.47	26.67	28.66		+2.6%
	Shares, m	135	135	136	136	135	133	124	120	120	119		(1.4%)
Valuation, ×
Valuation, ×	P/E	13.44	19.20	7.38	6.73	8.87	5.08	4.70	9.29	12.29	10.28		9.7
	P/S	0.80	0.95	0.78	1.21	1.33	1.36	0.81	1.12	1.10	1.30		1.1
	P/B	1.02	1.09	0.87	1.32	1.89	2.15	1.36	1.87	1.95	2.36		1.6
	EV/Sales	4.25	4.69	4.20	4.57	4.50	4.87	4.32	4.67	4.79	4.83		4.6
	EV/FCF	12.33	11.22	8.63	9.13	9.88	10.54	9.11	9.76	10.03	9.47		10.0
Cash, $m
Cash, $m	Operating cash flow	1,322	1,555	2,046	2,362	2,212	2,247	2,387	2,519	2,699	3,132		+10.1%
	Capex	—	—	—	—	—	—	—	—	—	—		—
	Free cash flow	1,322	1,555	2,046	2,362	2,212	2,247	2,387	2,519	2,699	3,132		+10.1%
Balance, $m
Balance, $m	Working capital	13,036	14,657	15,450	17,994	17,316	16,897	17,424	19,112	20,541	22,091		+6.0%
	Total debt	13,959	15,050	15,178	17,212	17,800	17,750	18,281	19,813	21,438	22,694		+5.5%
	Net debt	13,380	14,063	14,499	15,985	15,528	17,209	17,783	18,799	20,980	21,780		+5.6%
	Shareholders’ equity	3,066	3,278	3,799	4,330	3,441	3,093	3,015	3,186	3,191	3,401		+1.2%
Returns, %
Returns, %	ROA	1.09	0.97	2.26	3.99	3.22	5.90	3.91	2.74	2.03	2.94		+1.8 pt
	ROIC	1.76	1.55	2.13	3.38	3.22	5.36	3.47	2.39	1.72	2.48		+0.7 pt
	ROE	7.42	5.77	12.63	21.04	18.79	40.22	28.55	20.67	15.96	23.76		+16.3 pt

Negative figures in brackets.

estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
FCFS FirstCash Holdings, Inc.	$7.5B	19.7×	17.5×	+29.38% (above 0%: growing)	+58.21% (above 0%: growing)	+80.67% (above 0%: growing)	49.66%	14.92%	Compare
OMF OneMain Holdings, Inc.	$6.4B	8.4×	8.5×	+7.19% (above 0%: growing)	−5.71% (below 0%: shrinking)	+3.36% (above 0%: growing)	79.93%	0.00%
CACC Credit Acceptance Corporation	$5.7B	11.7×	10.6×	+0.62% (above 0%: growing)	+71.79% (above 0%: growing)	+120.88% (above 0%: growing)	100.00%	50.07%	Compare
KLAR Klarna Group plc	$4.8B	— (loss-making)	8.2×	+26.61% (above 0%: growing)	n/m	−129.24% (below 0%: shrinking)	61.23%	2.59%	Compare
SEZL Sezzle Inc.	$4.5B	28.0×	25.1×	+51.65% (above 0%: growing)	+47.56% (above 0%: growing)	+131.47% (above 0%: growing)	82.87%	36.72%	Compare
NNI Nelnet, Inc.	$4.4B	14.7×	16.5×	−22.95% (below 0%: shrinking)	−62.78% (below 0%: shrinking)	−52.33% (below 0%: shrinking)	79.01%	0.00%	Compare
ENVA Enova International, Inc.	$4.1B	11.6×	10.5×	+21.58% (above 0%: growing)	+40.20% (above 0%: growing)	+21.85% (above 0%: growing)	61.15%	25.53%	Compare
BFH Bread Financial Holdings, Inc.	$3.8B	7.7×	7.8×	+3.39% (above 0%: growing)	+21.89% (above 0%: growing)	+1.93% (above 0%: growing)	100.00%	76.43%	Compare
SLM SLM Corporation	$3.7B	5.3×	9.7×	−1.93% (below 0%: shrinking)	−9.38% (below 0%: shrinking)	+2.81% (above 0%: growing)	59.84%	0.00%	Compare
Median of peers	$4.4B	11.7×	10.6×	+12.48%	+40.20%	+12.33%	70.12%	20.23%

All 54 Credit Services stocks →