OneMain (NYSE:OMF) Issues Quarterly Earnings Results, Beats Expectations By $0.04 EPS

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

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 0.6%

OMF stock traded down $0.39 during trading on Thursday, reaching $62.81. 742,491 shares of the stock were exchanged, compared to its average volume of 1,354,002. The firm’s 50 day moving average is $66.57 and its 200 day moving average is $61.27. The firm has a market cap of $7.39 billion, a P/E ratio of 10.61, a price-to-earnings-growth ratio of 0.36 and a beta of 1.33. OneMain has a twelve month low of $38.00 and a twelve month high of $71.93.

Insider Activity

In other news, CEO Douglas H. Shulman sold 57,500 shares of the business’s stock in a transaction that occurred on Friday, January 2nd. The stock was sold at an average price of $68.41, for a total transaction of $3,933,575.00. Following the completion of the sale, the chief executive officer owned 174,100 shares in the company, valued at $11,910,181. The trade was a 24.83% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the SEC, which is available through this hyperlink. Also, COO Micah R. Conrad sold 5,000 shares of the stock in a transaction on Friday, November 7th. The stock was sold at an average price of $59.20, for a total value of $296,000.00. Following the completion of the transaction, the chief operating officer owned 88,221 shares in the company, valued at approximately $5,222,683.20. This represents a 5.36% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. Insiders sold a total of 63,152 shares of company stock worth $4,269,999 over the last quarter. 0.40% of the stock is currently owned by corporate insiders.

Institutional Inflows and Outflows

A number of hedge funds have recently made changes to their positions in OMF. Sunbelt Securities Inc. bought a new stake in shares of OneMain during the third quarter worth about $46,000. EverSource Wealth Advisors LLC lifted its position in OneMain by 130.1% in the 2nd quarter. EverSource Wealth Advisors LLC now owns 1,123 shares of the financial services provider’s stock valued at $64,000 after acquiring an additional 635 shares in the last quarter. Geneos Wealth Management Inc. boosted its stake in OneMain by 9.1% during the 2nd quarter. Geneos Wealth Management Inc. now owns 2,112 shares of the financial services provider’s stock valued at $120,000 after purchasing an additional 176 shares during the last quarter. Ausdal Financial Partners Inc. bought a new stake in OneMain during the 3rd quarter worth approximately $204,000. Finally, Vise Technologies Inc. bought a new stake in OneMain during the 3rd quarter worth approximately $206,000. 85.82% of the stock is currently owned by institutional investors and hedge funds.

Analysts Set New Price Targets

OMF has been the subject of a number of recent analyst reports. Barclays increased their price target on OneMain from $56.00 to $75.00 and gave the stock an “equal weight” rating in a report on Tuesday, January 6th. Wall Street Zen lowered OneMain from a “buy” rating to a “hold” rating in a research report on Sunday, January 18th. TD Cowen reiterated a “buy” rating on shares of OneMain in a report on Thursday, January 8th. Evercore ISI set a $75.00 price target on OneMain in a research note on Tuesday, January 6th. Finally, JMP Securities set a $68.00 price target on OneMain in a report on Monday, November 24th. Eight analysts have rated the stock with a Buy rating, three have issued a Hold rating and one has issued a Sell rating to the stock. According to MarketBeat.com, the company currently has a consensus 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.