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

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

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

Insiders Place Their Bets

In other news, COO Micah R. Conrad sold 5,000 shares of the 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 completion of the transaction, the chief operating officer owned 88,221 shares of the company’s stock, valued at approximately $5,222,683.20. This represents a 5.36% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which can be accessed through the SEC website. Also, CEO Douglas H. Shulman sold 57,500 shares of the stock in a transaction that occurred on Friday, January 2nd. The shares were sold at an average price of $68.41, for a total transaction of $3,933,575.00. Following the completion of the transaction, the chief executive officer directly owned 174,100 shares of the company’s stock, valued at approximately $11,910,181. The trade was a 24.83% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. Over the last 90 days, insiders sold 63,152 shares of company stock valued at $4,269,999. 0.40% of the stock is currently owned by corporate insiders.

Institutional Trading of OneMain

Several hedge funds and other institutional investors have recently made changes to their positions in the company. Sunbelt Securities Inc. acquired a new position in OneMain in the 3rd quarter valued at approximately $46,000. EverSource Wealth Advisors LLC grew its stake in shares of OneMain by 130.1% in the second quarter. EverSource Wealth Advisors LLC now owns 1,123 shares of the financial services provider’s stock worth $64,000 after purchasing an additional 635 shares during the last quarter. Geneos Wealth Management Inc. increased its holdings in OneMain by 9.1% in the second 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 period. Ausdal Financial Partners Inc. bought a new position in OneMain during the 3rd quarter worth $204,000. Finally, Vise Technologies Inc. bought a new position in OneMain during the 3rd quarter worth $206,000. 85.82% of the stock is currently owned by institutional investors.

Analyst Upgrades and Downgrades

OMF has been the subject of a number of recent research reports. JPMorgan Chase & Co. reissued an “underweight” rating and issued a $65.00 target price (up previously from $59.00) on shares of OneMain in a research report on Monday, January 12th. Wells Fargo & Company boosted their price objective on shares of OneMain from $63.00 to $75.00 and gave the company an “equal weight” rating in a report on Monday, January 5th. Weiss Ratings restated a “buy (b-)” rating on shares of OneMain in a research report on Monday, December 29th. JMP Securities set a $68.00 price target on shares of OneMain in a research report on Monday, November 24th. Finally, Citigroup reiterated a “market outperform” rating on shares of OneMain in a research note on Monday, November 24th. Eight investment analysts have rated the stock with a Buy rating, three have assigned a Hold rating and one has assigned a Sell rating to the company. According to data from MarketBeat.com, the company has a consensus rating of “Moderate Buy” and an average target price of $72.33.

About OneMain

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.