Onemain Hldgs Inc Financials

OMF

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

Financial Health Signals

Piotroski F-Score Neutral

6/9

Onemain Hldgs Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

4.00x

For every $1 of reported earnings, Onemain Hldgs Inc generates $4.00 in operating cash flow ($3.1B OCF vs $783.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

This page shows Onemain Hldgs Inc (OMF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

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Key Financial Metrics

Revenue

$5.5B

YoY+9.3%

5Y CAGR+4.5%

10Y CAGR+10.9%

Onemain Hldgs Inc generated $5.5B in revenue in fiscal year 2025. This represents an increase of 9.3% from the prior year.

EBITDA

N/A

Free Cash Flow

N/A

Net Income

$783.0M

YoY+53.8%

5Y CAGR+1.4%

Onemain Hldgs Inc reported $783.0M in net income in fiscal year 2025. This represents an increase of 53.8% from the prior year.

EPS (Diluted)

$6.56

YoY+54.7%

5Y CAGR+3.9%

Onemain Hldgs Inc earned $6.56 per diluted share (EPS) in fiscal year 2025. This represents an increase of 54.7% from the prior year.

Cash & Debt

$914.0M

YoY+99.6%

5Y CAGR-16.6%

10Y CAGR-0.3%

Onemain Hldgs Inc held $914.0M in cash against $22.7B in long-term debt as of fiscal year 2025.

Dividends Per Share

$4.17

YoY+1.2%

5Y CAGR-6.8%

Onemain Hldgs Inc paid $4.17 per share in dividends in fiscal year 2025. This represents an increase of 1.2% from the prior year.

Shares Outstanding

117M

YoY-1.9%

5Y CAGR-2.7%

10Y CAGR-1.4%

Onemain Hldgs Inc had 117M shares outstanding in fiscal year 2025. This represents a decrease of 1.9% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

14.3%

YoY+4.2pp

5Y CAGR-2.4pp

10Y CAGR+25.8pp

Onemain Hldgs Inc's net profit margin was 14.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 4.2 percentage points from the prior year.

Return on Equity

23.0%

YoY+7.1pp

5Y CAGR+1.8pp

Onemain Hldgs Inc's ROE was 23.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 7.1 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$141.0M

YoY+302.9%

5Y CAGR+25.7%

Onemain Hldgs Inc spent $141.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 302.9% from the prior year.

Capital Expenditures

N/A

OMF Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$5.5B+9.3%	$5.0B+9.4%	$4.6B+2.9%	$4.4B+1.6%	$4.4B-0.1%	$4.4B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$4.2B+9.8%	$3.8B+7.4%	$3.5B+0.1%	$3.5B+3.4%	$3.4B+2.6%	$3.3B
Income Tax	$218.0M+38.0%	$158.0M-20.6%	$199.0M-29.7%	$283.0M-33.7%	$427.0M+72.9%	$247.0M
Net Income	$783.0M+53.8%	$509.0M-20.6%	$641.0M-26.5%	$872.0M-33.6%	$1.3B+80.0%	$730.0M
EPS (Diluted)	$6.56+54.7%	$4.24-20.3%	$5.32-24.1%	$7.01-29.0%	$9.88+82.6%	$5.41

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$1.4B+1.7%	$1.4B+4.0%	$1.3B+2.4%	$1.3B-0.8%	$1.3B+2.9%	$1.3B+5.2%	$1.2B+3.9%	$1.2B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.1B+2.0%	$1.1B+4.9%	$1.0B+2.6%	$996.0M-1.3%	$1.0B+2.9%	$981.0M+6.4%	$922.0M+2.9%	$896.0M
Income Tax	$45.0M-29.7%	$64.0M+36.2%	$47.0M-24.2%	$62.0M+63.2%	$38.0M-24.0%	$50.0M+138.1%	$21.0M-57.1%	$49.0M
Net Income	$204.0M+2.5%	$199.0M+19.2%	$167.0M-21.6%	$213.0M+69.0%	$126.0M-19.7%	$157.0M+121.1%	$71.0M-54.2%	$155.0M
EPS (Diluted)	$1.71+2.4%	$1.67+19.3%	$1.40-21.3%	$1.78+69.5%	$1.05-19.8%	$1.31+122.0%	$0.59-54.3%	$1.29

OMF Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$27.4B+5.7%	$25.9B+6.7%	$24.3B+7.8%	$22.5B+2.0%	$22.1B-1.7%	$22.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$914.0M+99.6%	$458.0M-54.8%	$1.0B+103.6%	$498.0M-7.9%	$541.0M-76.2%	$2.3B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.5B0.0%	$1.5B+2.6%	$1.4B0.0%	$1.4B0.0%	$1.4B+1.1%	$1.4B
Total Liabilities	$24.0B+5.6%	$22.7B+7.6%	$21.1B+8.1%	$19.5B+2.8%	$19.0B-0.2%	$19.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$22.7B+5.9%	$21.4B+8.2%	$19.8B+8.4%	$18.3B+3.0%	$17.8B-0.3%	$17.8B
Total Equity	$3.4B+6.6%	$3.2B+0.2%	$3.2B+5.7%	$3.0B-0.7%	$3.0B-11.7%	$3.4B
Retained Earnings	$2.6B+12.3%	$2.3B+0.5%	$2.3B+7.8%	$2.1B+22.7%	$1.7B+2.1%	$1.7B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$27.4B+1.5%	$27.0B+1.3%	$26.6B+2.3%	$26.0B+0.5%	$25.9B+1.3%	$25.6B+2.0%	$25.1B+4.9%	$23.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$914.0M+38.9%	$658.0M-14.4%	$769.0M+22.6%	$627.0M+36.9%	$458.0M-20.6%	$577.0M-13.5%	$667.0M-19.7%	$831.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.5B0.0%	$1.5B0.0%	$1.5B0.0%	$1.5B0.0%	$1.5B0.0%	$1.5B0.0%	$1.5B+2.6%	$1.4B
Total Liabilities	$24.0B+1.6%	$23.6B+1.3%	$23.3B+2.4%	$22.7B+0.1%	$22.7B+1.6%	$22.4B+2.0%	$21.9B+6.0%	$20.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$22.7B+1.6%	$22.3B+1.3%	$22.1B+2.6%	$21.5B+0.3%	$21.4B+1.4%	$21.1B+2.3%	$20.7B+5.9%	$19.5B
Total Equity	$3.4B+0.7%	$3.4B+1.6%	$3.3B+1.4%	$3.3B+2.8%	$3.2B-0.5%	$3.2B+1.7%	$3.2B-1.9%	$3.2B
Retained Earnings	$2.6B+3.2%	$2.5B+3.1%	$2.4B+1.7%	$2.4B+3.8%	$2.3B0.0%	$2.3B+1.4%	$2.3B-2.4%	$2.3B

OMF Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$3.1B+16.0%	$2.7B+7.1%	$2.5B+5.5%	$2.4B+6.2%	$2.2B+1.6%	$2.2B
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$3.2B+3.2%	-$3.3B-14.1%	-$2.9B-35.1%	-$2.1B+1.1%	-$2.1B-185.4%	-$751.0M
Financing Cash Flow	$500.0M+210.6%	$161.0M-82.7%	$932.0M+385.9%	-$326.0M+82.0%	-$1.8B-389.2%	-$370.0M
Dividends Paid	$499.0M+0.2%	$498.0M+2.3%	$487.0M+1.5%	$480.0M-62.3%	$1.3B+58.1%	$806.0M
Share Buybacks	$141.0M+302.9%	$35.0M-46.2%	$65.0M-78.5%	$303.0M-17.7%	$368.0M+717.8%	$45.0M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$865.0M+4.5%	$828.0M+7.0%	$774.0M+16.4%	$665.0M-11.6%	$752.0M+11.1%	$677.0M-4.9%	$712.0M+27.6%	$558.0M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$807.0M+20.1%	-$1.0B+0.3%	-$1.0B-206.0%	-$331.0M+67.8%	-$1.0B-2.1%	-$1.0B-0.9%	-$998.0M-328.3%	-$233.0M
Financing Cash Flow	$149.0M+93.5%	$77.0M-80.1%	$387.0M+442.5%	-$113.0M-176.4%	$148.0M-51.2%	$303.0M+98.0%	$153.0M+134.5%	-$443.0M
Dividends Paid	$123.0M-1.6%	$125.0M0.0%	$125.0M-0.8%	$126.0M+0.8%	$125.0M-0.8%	$126.0M+0.8%	$125.0M+2.5%	$122.0M
Share Buybacks	$71.0M+115.2%	$33.0M+57.1%	$21.0M+31.3%	$16.0M+433.3%	$3.0M-84.2%	$19.0M+137.5%	$8.0M+60.0%	$5.0M

OMF Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	14.3%+4.2pp	10.2%-3.8pp	14.0%-5.6pp	19.7%-10.4pp	30.1%+13.4pp	16.7%
Return on Equity	23.0%+7.1pp	16.0%-4.2pp	20.1%-8.8pp	28.9%-14.3pp	43.3%+22.1pp	21.2%
Return on Assets	2.9%+0.9pp	2.0%-0.7pp	2.6%-1.2pp	3.9%-2.1pp	5.9%+2.7pp	3.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.67-0.0	6.72+0.5	6.22+0.2	6.06+0.2	5.84+0.7	5.17
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	14.4%+0.1pp	14.3%+1.8pp	12.5%-3.8pp	16.3%+6.7pp	9.6%-2.7pp	12.3%+6.4pp	5.8%-7.4pp	13.2%
Return on Equity	6.0%+0.1pp	5.9%+0.9pp	5.0%-1.5pp	6.5%+2.5pp	4.0%-0.9pp	4.9%+2.6pp	2.3%-2.6pp	4.8%
Return on Assets	0.7%0.0pp	0.7%+0.1pp	0.6%-0.2pp	0.8%+0.3pp	0.5%-0.1pp	0.6%+0.3pp	0.3%-0.4pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.67+0.1	6.61-0.0	6.63+0.1	6.55-0.2	6.72+0.1	6.59+0.0	6.56+0.5	6.07
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Onemain Hldgs Inc's annual revenue?

Onemain Hldgs Inc (OMF) reported $5.5B in total revenue for fiscal year 2025. This represents a 9.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Onemain Hldgs Inc's revenue growing?

Onemain Hldgs Inc (OMF) revenue grew by 9.3% year-over-year, from $5.0B to $5.5B in fiscal year 2025.

Is Onemain Hldgs Inc profitable?

Yes, Onemain Hldgs Inc (OMF) reported a net income of $783.0M in fiscal year 2025, with a net profit margin of 14.3%.

What is Onemain Hldgs Inc's earnings per share (EPS)?

Onemain Hldgs Inc (OMF) reported diluted earnings per share of $6.56 for fiscal year 2025. This represents a 54.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

How much debt does Onemain Hldgs Inc have?

As of fiscal year 2025, Onemain Hldgs Inc (OMF) had $914.0M in cash and equivalents against $22.7B in long-term debt.

What is Onemain Hldgs Inc's net profit margin?

Onemain Hldgs Inc (OMF) had a net profit margin of 14.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Onemain Hldgs Inc pay dividends?

Yes, Onemain Hldgs Inc (OMF) paid $4.17 per share in dividends during fiscal year 2025.

What is Onemain Hldgs Inc's return on equity (ROE)?

Onemain Hldgs Inc (OMF) has a return on equity of 23.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Onemain Hldgs Inc's operating cash flow?

Onemain Hldgs Inc (OMF) generated $3.1B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Onemain Hldgs Inc's total assets?

Onemain Hldgs Inc (OMF) had $27.4B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Onemain Hldgs Inc buy back shares?

Yes, Onemain Hldgs Inc (OMF) spent $141.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Onemain Hldgs Inc have outstanding?

Onemain Hldgs Inc (OMF) had 117M shares outstanding as of fiscal year 2025.

What is Onemain Hldgs Inc's debt-to-equity ratio?

Onemain Hldgs Inc (OMF) had a debt-to-equity ratio of 6.67 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Onemain Hldgs Inc's return on assets (ROA)?

Onemain Hldgs Inc (OMF) had a return on assets of 2.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Onemain Hldgs Inc's Piotroski F-Score?

Onemain Hldgs Inc (OMF) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Onemain Hldgs Inc's earnings high quality?

Onemain Hldgs Inc (OMF) has an earnings quality ratio of 4.00x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.