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.
- Symbol
- OMF
- Exchange
- NYSE
- Sector
- Financial Services
- Industry
- Credit Services
- Market cap
- $6.83B
- 52 week range
- 45.78 - 71.93
Valuation
- Share price
- $57.25 (close of 2026-09-23)
- P/E (TTM)
- 8.78x
- Price to book
- 2.02x
- Price to free cash flow
- 2.13x
- Enterprise value
- $28.39B
- Book value per share
- $29.21
Price performance
| Period | Change |
|---|
| 1 day | -5.28% |
| 5 days | -6.96% |
| 1 month | -9.40% |
| 3 months | -1.43% |
| 6 months | +8.72% |
| Year to date | -15.25% |
| 1 year | -5.23% |
| 3 years | +44.35% |
| 5 years | +0.28% |
| 10 years | +84.02% |
| All time | +197.25% |
Profitability and growth
- Return on equity
- 23.02%
- Return on assets
- 2.86%
- Net margin
- 14.35%
- EBITDA margin
- 23.61%
- Revenue growth
- 9.25%
- Net income growth
- 53.83%
- Free cash flow growth
- 16.04%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 46.93%
- Net debt to EBITDA
- 19.67x
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- Revenue
- $5.46B
- EBITDA
- $1.29B
- 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 | $5.46B | $783.00M | $6.59 |
| 2024-12-31 | $4.99B | $509.00M | $4.26 |
| 2023-12-31 | $4.56B | $641.00M | $5.33 |
| 2022-12-31 | $4.43B | $872.00M | $7.02 |
| 2021-12-31 | $4.36B | $1.31B | $9.91 |
| 2020-12-31 | $4.37B | $730.00M | $5.42 |
| 2019-12-31 | $4.13B | $855.00M | $6.28 |
| 2018-12-31 | $3.66B | $447.00M | $3.29 |
| 2017-12-31 | $3.20B | $183.00M | $1.35 |
| 2016-12-31 | $3.11B | $215.00M | $1.60 |
Margins and returns by year
| Period end | Net margin | Return on equity |
|---|
| 2025-12-31 | 14.35% | 23.02% |
| 2024-12-31 | 10.19% | 15.95% |
| 2023-12-31 | 14.04% | 20.12% |
| 2022-12-31 | 19.66% | 28.92% |
| 2021-12-31 | 30.11% | 43.27% |
| 2020-12-31 | 16.71% | 21.21% |
| 2019-12-31 | 20.72% | 19.75% |
| 2018-12-31 | 12.22% | 11.77% |
| 2017-12-31 | 5.73% | 5.58% |
| 2016-12-31 | 6.91% | 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
- 2026-08-10
- 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
Next earnings report
- Next confirmed report
- 2026-10-30
- Consensus EPS estimate
- $1.89
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|
| 2026-07-29 | Jun/2026 | $1.31 |
| 2026-05-01 | - | - |
| 2026-02-05 | - | - |
| 2025-10-31 | - | - |
| 2025-07-25 | - | - |
| 2025-04-29 | - | - |
| 2025-01-31 | - | - |
| 2024-10-30 | - | - |
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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