OneMain Holdings, Inc. (OMF)

OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses in the United States. The company provides origination, underwriting, and servicing of consumer loans, consisting of personal loans and auto finance. It also offers secured auto financing; credit cards; optional credit insurance products, including life, disability, and involuntary unemployment insurance; optional non-credit insurance; guaranteed asset protection coverage as a waiver product or insurance; and membership plans. The company provides personal loans through its branch network, central operations, digital affiliates, and its website. The company was formerly known as Springleaf Holdings, Inc. and changed its name to OneMain Holdings, Inc. in November 2015. OneMain Holdings, Inc. was incorporated in 2013 and is based in Evansville, Indiana.

Ticker: OMF
Exchange: NYSE
Sector: Financial Services
Industry: Credit Services
Market cap: $6.43B
52-week range: $45.78 - $71.93

Valuation

Share price: $56.09 (close of Nov 6, 2026)
P/E (TTM): 8.51x
Price to book: 1.90x
Price to free cash flow: 2.00x
Enterprise value: $29.56B
Book value per share: $29.60

Price performance

Period	Change
1 day	-1.30%
5 days	-0.81%
1 month	-0.16%
3 months	-13.75%
6 months	+0.34%
Year to date	-16.97%
1 year	-5.49%
3 years	+48.03%
5 years	+5.33%
10 years	+105.76%
All time	+191.23%

Short interest

As of: Oct 15, 2026
Short % of float: 3.59%
Shares short: 4.10M
Days to cover: 4.62
Change since prior report: +3.37%
Source: FINRA consolidated short interest

Profitability and growth

Return on equity: 23.02%
Return on assets: 2.86%
Net margin: 15.97%
Revenue growth: 8.88%
Net income growth: 53.83%
Free cash flow growth: 16.04%

Cash flow and balance sheet

Free cash flow yield (TTM): 49.98%
Net debt to EBITDA: 18.15x

Latest reported year

Period end: Dec 31, 2025
Fiscal year: 2025
Revenue: $4.90B
Net income: $783.00M
Earnings per share: $6.59
Shares outstanding: 118.66M

Income statement by year

Period end	Revenue	Net income	EPS
2025-12-31	$4.90B	$783.00M	$6.59
2024-12-31	$4.50B	$509.00M	$4.26
2023-12-31	$4.28B	$641.00M	$5.33
2022-12-31	$4.17B	$872.00M	$7.02
2021-12-31	$3.96B	$1.31B	$9.91
2020-12-31	$3.87B	$730.00M	$5.42
2019-12-31	$3.78B	$855.00M	$6.28
2018-12-31	$3.36B	$447.00M	$3.29
2017-12-31	$2.94B	$183.00M	$1.35
2016-12-31	$3.03B	$215.00M	$1.60

Margins and returns by year

Period end	Net margin	Return on equity
2025-12-31	15.97%	23.02%
2024-12-31	11.30%	15.95%
2023-12-31	14.98%	20.12%
2022-12-31	20.90%	28.92%
2021-12-31	33.20%	43.27%
2020-12-31	18.88%	21.21%
2019-12-31	22.63%	19.75%
2018-12-31	13.32%	11.77%
2017-12-31	6.22%	5.58%
2016-12-31	7.10%	7.01%

Cash and debt by year

Period end	Cash	Debt
2025-12-31	$914.00M	$22.69B
2024-12-31	$458.00M	$21.44B
2023-12-31	$1.01B	$19.81B
2022-12-31	$498.00M	$18.28B
2021-12-31	$541.00M	$17.75B
2020-12-31	$2.27B	$17.80B
2019-12-31	$1.23B	$17.21B
2018-12-31	$679.00M	$15.18B
2017-12-31	$987.00M	$15.05B
2016-12-31	$579.00M	$13.96B

Free cash flow by year

Period end	Free cash flow	Stock-based compensation
2025-12-31	$3.13B	$36.00M
2024-12-31	$2.70B	$30.00M
2023-12-31	$2.52B	$36.00M
2022-12-31	$2.39B	$31.00M
2021-12-31	$2.25B	$23.00M
2020-12-31	$2.21B	$17.00M
2019-12-31	$2.36B	$13.00M
2018-12-31	$2.05B	$21.00M
2017-12-31	$1.55B	$17.00M
2016-12-31	$1.32B	$22.00M

Dividend history

Most recent payment: Aug 10, 2026
Paid in the last twelve months: $4.20

Payment date	Dividend per share
2026-08-10	$1.05
2026-05-11	$1.05
2026-02-17	$1.05
2025-11-10	$1.05
2025-08-04	$1.04
2025-05-09	$1.04
2025-02-12	$1.04
2024-11-12	$1.04

Investor relations

Past earnings dates

Reported	Fiscal period	EPS estimate
2026-10-30	Sep 2026	$1.56
2026-07-29	Jun 2026	$1.31
2026-05-01	Mar 2026	$1.92
2026-02-05	Dec 2025	$1.55
2025-10-31	Sep 2025	$1.58
2025-07-25	Jun 2025	$1.25
2025-04-29	Mar 2025	$1.55
2025-01-31	Dec 2024	$1.12

Filings and sources

Company website: onemainfinancial.com
SEC filings: 10-K, 10-Q and 8-K on EDGAR
Earnings calendar: All upcoming reports

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