OneMain Holdings, Inc.

Listed Company

OMFCIK 0001584207NYSELarge AcceleratedPersonal Credit InstitutionsDelawareFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$783.00M

Total Assets

$27.39B

Equity

$3.40B

Shares Out

117.15M

Op. Cash Flow

$3.13B

Business

OneMain Holdings, Inc. provides consumer finance by originating, underwriting, and servicing personal and auto loans and related financial products for nonprime consumers. It offers non-revolving fixed-rate personal loans, secured auto financing at the point of purchase, two credit card products purchased from a third‑party bank partner, optional credit and non-credit insurance, and a customer-focused financial wellness platform (Trim). The company operates through a single reportable Consumer and Insurance segment and conducts insurance activities through wholly owned insurance subsidiaries. OneMain distributes its products via a national branch network, digital channels, telephone service, and a network of franchise and independent auto dealerships across 47 states.

Summary from filing dated 2025-02-07

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Interest income	5,455	4,993	4,564	4,435	4,364
Interest expense	1,272	1,185	1,019	892	937
Net interest income	4,183	3,808	3,545	3,543	3,427
Provision for finance receivable losses	1,997	2,040	1,721	1,402	593
Net interest income after provision for finance receivable losses	2,186	1,768	1,824	2,141	2,834
Insurance	445	445	448	445	434
Investment	98	108	116	61	65
Gain on sales of finance receivables	64	23	52	63	47
Net gain (loss) on repurchases and repayments of debt	−67	−34	0	−27	—
Other	180	153	119	87	63
Total other revenues	720	695	735	629	531
Salaries and benefits	923	879	855	836	839
Other operating expenses	784	728	675	621	609
Insurance policy benefits and claims	198	189	189	158	176
Total other expenses	1,905	1,796	1,719	1,615	1,624
Income before income taxes	1,001	667	840	1,155	1,741
Income taxes	218	158	199	283	427
Net income	783	509	641	872	1,314
Basic (in shares)	119	120	120	124	133
Diluted (in shares)	119	120	121	124	133
Basic (in dollars per share)	6.59	4.26	5.33	7.02	9.91
Diluted (in dollars per share)	6.56	4.24	5.32	7.01	9.88

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and cash equivalents	914	458	1,014	498	541
Investment securities (includes available-for-sale securities with a fair value and an amortized cost basis of $1.5 billion and $1.6 billion in 2025, respectively, and $1.5 billion and $1.6 billion in 2024, respectively)	1,590	1,607	1,719	1,800	1,992
Net finance receivables (includes loans of consolidated VIEs of $13.4 billion in 2025 and $14.0 billion in 2024)	24,833	23,554	21,349	19,986	19,212
Unearned insurance premium and claim reserves	−791	−766	−771	−749	−761
Allowance for finance receivable losses (includes allowance of consolidated VIEs of $1.6 billion in 2025 and $1.6 billion in 2024)	−2,865	−2,705	−2,480	−2,311	−2,095
Net finance receivables, less unearned insurance premium and claim reserves and allowance for finance receivable losses	21,177	20,083	18,098	16,926	16,356
Restricted cash and restricted cash equivalents (includes restricted cash and restricted cash equivalents of consolidated VIEs of $690 million in 2025 and $662 million in 2024)	699	684	534	461	476
Goodwill	1,474	1,474	1,437	1,400	1,400
Other intangible assets	282	286	260	261	274
Other assets	1,252	1,318	1,232	1,154	1,019
Total assets	27,388	25,910	24,294	22,537	22,095
Long-term debt (includes debt of consolidated VIEs of $11.5 billion in 2025 and $12.4 billion in 2024)	22,694	21,438	19,813	18,281	17,750
Insurance claims and policyholder liabilities	576	575	615	620	693
Deferred and accrued taxes	35	20	9	5	1
Other liabilities (includes other liabilities of consolidated VIEs of $30 million in 2025 and $31 million in 2024)	682	686	671	616	614
Total liabilities	23,987	22,719	21,108	19,522	18,986
Contingencies (Note 15)	—	—	—	—	—
Common stock, par value $0.01 per share; 2,000,000,000 shares authorized, 117,196,792 and 119,360,509 shares issued and outstanding at December 31, 2025 and December 31, 2024, respectively	1	1	1	1	1
Additional paid-in capital	1,757	1,734	1,715	1,689	1,672
Accumulated other comprehensive loss	−41	−81	−87	−127	5
Retained earnings	2,579	2,296	2,285	2,119	1,727
Treasury stock, at cost; 18,514,904 and 16,060,384 shares at December 31, 2025 and December 31, 2024, respectively	−895	−759	−728	−667	−368
Total shareholders equity	3,401	3,191	3,186	3,015	3,037
Total liabilities and shareholders equity	27,388	25,910	24,294	22,537	22,079

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation and amortization	287	277	257	262	264
Deferred income tax charge (benefit)	43	−42	−36	−64	78
Share-based compensation expense, net of forfeitures	36	30	36	31	23
Other	−4	−1	−4	2	−8
Cash flows due to changes in other assets and other liabilities	−13	−125	−44	−82	−48
Net cash provided by operating activities	3,132	2,699	2,519	2,387	2,247
Net principal originations and purchases of finance receivables	−4,245	−3,806	−3,557	−2,775	−2,514
Proceeds from sales of finance receivables	1,096	574	641	790	560
Foursight Acquisition, net of cash acquired	0	−64	0	0	—
Available-for-sale securities purchased	−321	−272	−179	−530	−517
Available-for-sale securities called, sold, and matured	393	373	323	463	404
Other securities purchased	−9	−12	−5	−6	−708
Other securities called, sold, and matured	22	19	6	14	701
Other, net	−97	−78	−91	−75	−69
Net cash used for investing activities	−3,161	−3,266	−2,862	−2,119	−2,143
Proceeds from issuance and borrowings of long-term debt, net of issuance costs	7,972	4,388	4,819	5,618	3,759
Repayments and repurchases of long-term debt	−6,824	−3,687	−3,328	−5,149	−3,921
Cash dividends	−499	−498	−487	−480	−1,274
Common stock repurchased	−141	−35	−65	−303	−368
Treasury stock issued	5	4	3	2	0
Withholding tax on share-based compensation	−13	−11	−10	−14	−6
Net cash provided by financing activities	500	161	932	−326	−1,810
Net change in cash and cash equivalents and restricted cash and restricted cash equivalents	471	−406	589	−58	−1,706
Interest paid	−1,236	−1,144	−968	−857	−891
Federal	−96	−177	−171	—	—
State and local	−26	−37	−37	—	—
Foreign	−5	−5	−7	—	—
Income taxes paid	−127	−219	−215	—	−403
Cash paid for amounts included in the measurement of operating lease liabilities	−60	−58	−59	−58	−58
Right-of-use assets obtained in exchange for operating lease obligations	22	47	67	66	43

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