OneMain Holdings, Inc.

OMF 10-K · FY 2025
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OMF FY 2025 request

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Income Statement

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Income Statement
Metric FY 2025 FY 2024 YoY
Interest And Dividend Income Operating 5,455 4,993 +9.3%
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Consumer and Insurance · Operating Segments 5,432 4,965 +9.4%
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OMFC 5,455 4,993 +9.3%
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Corporate Non Segment 3 3 0.0%
Material Reconciling Items 20 25 -20.0%
Interest Expense Borrowings 1,272 1,185 +7.3%
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Consumer and Insurance · Operating Segments 1,270 1,181 +7.5%
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OMFC 1,272 1,185 +7.3%
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Variable Interest Entity Primary Beneficiary 631 624 +1.1%
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Corporate Non Segment 1 1 0.0%
Material Reconciling Items 1 3 -66.7%
Interest Income Expense Net 4,183 3,808 +9.8%
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OMFC 4,183 3,808 +9.8%
Provision For Loan Losses Expensed 1,997 2,040 -2.1%
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Consumer and Insurance · Operating Segments 1,999 1,981 +0.9%
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OMFC 1,997 2,040 -2.1%
Show Consolidation Items breakouts
Material Reconciling Items -2 59 -103.4%
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts
Consumer Loan 1,786 1,891 -5.6%
Credit Card Receivables 211 149 +41.6%
Interest Income Expense After Provision For Loan Loss 2,186 1,768 +23.6%
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Consumer and Insurance · Operating Segments 2,163 1,803 +20.0%
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OMFC 2,186 1,768 +23.6%
Show Consolidation Items breakouts
Corporate Non Segment 2 2 0.0%
Material Reconciling Items 21 -37 +156.8%
Insurance Services Revenue 445 445 0.0%
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OMFC 445 445 0.0%
Investment Income Nonoperating 98 108 -9.3%
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OMFC 97 108 -10.2%
Gain Loss On Sale Of Notes Receivable 64 23 +178.3%
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OMFC 64 23 +178.3%
Gain Loss On Repurchase Of Debt Instrument -67 -34 -97.1%
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OMFC -67 -34 -97.1%
Noninterest Income Other 180 153 +17.6%
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OMFC 180 153 +17.6%
Noninterest Income 720 695 +3.6%
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Consumer and Insurance · Operating Segments 715 689 +3.8%
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OMFC 719 695 +3.5%
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Corporate Non Segment 7 7 0.0%
Material Reconciling Items -2 -1 -100.0%
Labor And Related Expense 923 879 +5.0%
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Consumer and Insurance · Operating Segments 918 875 +4.9%
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OMFC 923 879 +5.0%
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Corporate Non Segment 5 4 +25.0%
Other Noninterest Expense 784 728 +7.7%
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Consumer and Insurance · Operating Segments 774 721 +7.4%
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OMFC 784 728 +7.7%
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Corporate Non Segment 8 6 +33.3%
Material Reconciling Items 2 1 +100.0%
Policyholder Benefits And Claims Incurred Net 198 189 +4.8%
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Consumer and Insurance · Operating Segments 198 189 +4.8%
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OMFC 198 189 +4.8%
Noninterest Expense 1,905 1,796 +6.1%
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OMFC 1,905 1,796 +6.1%
Income Before Taxes 1,001 667 +50.1%
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Consumer and Insurance · Operating Segments 988 707 +39.7%
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OMFC 1,000 667 +49.9%
Show Consolidation Items breakouts
Corporate Non Segment -4 -1 -300.0%
Material Reconciling Items 17 -39 +143.6%
Income Tax Expense (Benefit) 218 158 +38.0%
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OMFC 218 158 +38.0%
Net Income 783 509 +53.8%
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Retained Earnings 783 509 +53.8%
Retained Earnings · OMFC 782 509 +53.6%
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OMFC 782 509 +53.6%
Wtd Avg Shares (Basic) 118,664,220 119,659,278 -0.8%
Wtd Avg Shares (Diluted) 119,268,556 120,119,983 -0.7%
EPS (Basic) 6.59 4.26 +54.7%
EPS (Diluted) 6.56 4.24 +54.7%
Comprehensive Income 823 515 +59.8%
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OMFC 822 515 +59.6%
Other Comprehensive Income 40 6 +566.7%
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Accumulated Other Comprehensive Income 40 6 +566.7%
Accumulated Other Comprehensive Income · OMFC 40 6 +566.7%
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OMFC 40 6 +566.7%
Liability For Unpaid Claims And Claims Adjustment Expense Incurred Claims1 186 174 +6.9%

Balance Sheet

Balance Sheet
Metric FY 2025 FY 2024 YoY
Current Assets
Cash & Cash Equivalents 914 458 +99.6%
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OMFC 898 424 +111.8%
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Variable Interest Entity Primary Beneficiary 5 4 +25.0%
Non-Current Assets
Goodwill 1,474 1,474 0.0%
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Consumer and Insurance 1,474 1,474 0.0%
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OMFC 1,474 1,474 0.0%
Total Assets 27,388 25,910 +5.7%
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Consumer and Insurance · Operating Segments 26,240 24,774 +5.9%
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OMFC 27,372 25,875 +5.8%
Show Consolidation Items breakouts
Corporate Non Segment 7 12 -41.7%
Material Reconciling Items 1,141 1,124 +1.5%
Operating Lease Right-of-Use Assets 120 152 -21.1%
Intangible Assets (Q) — — —
Show Finite Lived Intangible Assets By Major Class breakouts
Customer Relationships 18 20 -10.0%
Insurance Contracts Acquired In Business Combination 9 11 -18.2%
Other Intangible Assets 7 6 +16.7%
Other Assets
Marketable Securities 1,590 1,607 -1.1%
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OMFC 1,590 1,607 -1.1%
Notes Receivable Gross 24,833 23,554 +5.4%
Show Geography breakouts
AL · Finance Receivables 101 80 +26.2%
CA · Finance Receivables 1,634 1,547 +5.6%
CA · Finance Receivables 147 124 +18.5%
CA · Finance Receivables 118 84 +40.5%
FL · Finance Receivables 1,602 1,550 +3.4%
FL · Finance Receivables 174 159 +9.4%
FL · Finance Receivables 107 76 +40.8%
GA · Finance Receivables 874 823 +6.2%
GA · Finance Receivables 188 155 +21.3%
GA · Finance Receivables 47 31 +51.6%
IL · Finance Receivables 854 816 +4.7%
IL · Finance Receivables 154 132 +16.7%
IL · Finance Receivables 48 32 +50.0%
IN · Finance Receivables 716 705 +1.6%
IN · Finance Receivables 115 99 +16.2%
MO · Finance Receivables 112 99 +13.1%
NC · Finance Receivables 890 940 -5.3%
NC · Finance Receivables 135 108 +25.0%
NY · Finance Receivables 951 913 +4.2%
OH · Finance Receivables 1,052 1,000 +5.2%
OH · Finance Receivables 109 89 +22.5%
OH · Finance Receivables 45 31 +45.2%
Other · Finance Receivables 9,499 9,216 +3.1%
Other · Finance Receivables 1,072 892 +20.2%
Other · Finance Receivables 392 265 +47.9%
PA · Finance Receivables 1,275 1,269 +0.5%
PA · Finance Receivables 53 37 +43.2%
TX · Finance Receivables 2,083 2,054 +1.4%
TX · Finance Receivables 160 141 +13.5%
TX · Finance Receivables 126 87 +44.8%
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OMFC 24,833 23,554 +5.4%
OMFC · Variable Interest Entity Primary Beneficiary 13.4 14 -4.3%
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Variable Interest Entity Primary Beneficiary 13.4 14 -4.3%
Show Concentration Risk By Benchmark breakouts
Finance Receivables · Geographic Concentration Risk 21,430 20,833 +2.9%
Finance Receivables · Geographic Concentration Risk 2,467 2,078 +18.7%
Finance Receivables · Geographic Concentration Risk 936 643 +45.6%
Show Financial Instrument Performance Status breakouts
Nonperforming Financing Receivable · Automobile Loan 31 25 +24.0%
Nonperforming Financing Receivable · Personal Loans 565 553 +2.2%
Performing Financing Receivable · Automobile Loan 2,436 2,053 +18.7%
Performing Financing Receivable · Automobile Loan 2,300 1,952 +17.8%
Performing Financing Receivable · Automobile Loan 109 81 +34.6%
Performing Financing Receivable · Automobile Loan 27 20 +35.0%
Performing Financing Receivable · Personal Loans 20,865 20,280 +2.9%
Performing Financing Receivable · Personal Loans 20,200 19,640 +2.9%
Performing Financing Receivable · Personal Loans 407 391 +4.1%
Performing Financing Receivable · Personal Loans 258 249 +3.6%
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts
Automobile Loan 2,467 2,078 +18.7%
Consumer Loan 23,897 22,911 +4.3%
Credit Card Receivables 936 643 +45.6%
Credit Card Receivables · Financial Asset Not Past Due 820 558 +47.0%
Credit Card Receivables · Financing Receivables Equal To Greater Than90 Days Past Due 66 48 +37.5%
Credit Card Receivables · Financing Receivables30 To59 Days Past Due 26 20 +30.0%
Credit Card Receivables · Financing Receivables60 To89 Days Past Due 24 17 +41.2%
Personal Loans 21,430 20,833 +2.9%
Unearned Premiums And Liability For Unpaid Claims And Claim Adjustment Expense -791 -766 -3.3%
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OMFC -791 -766 -3.3%
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts
Claim reserves -76 -81 +6.2%
Unearned premium reserves -715 -685 -4.4%
Financing Receivable Allowance For Credit Losses -2,865 -2,705 -5.9%
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OMFC -2,865 -2,705 -5.9%
OMFC · Variable Interest Entity Primary Beneficiary -1.6 -1.6 0.0%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary -1.6 -1.6 0.0%
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts
Consumer Loan -2,656 -2,567 -3.5%
Credit Card Receivables -209 -138 -51.4%
Notes Receivable Net 21,177 20,083 +5.4%
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OMFC 21,177 20,083 +5.4%
Restricted Cash And Cash Equivalents 699 684 +2.2%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level1 699 677 +3.2%
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OMFC 699 684 +2.2%
OMFC · Variable Interest Entity Primary Beneficiary 690 662 +4.2%
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Variable Interest Entity Primary Beneficiary 690 662 +4.2%
Show Fair Value By Measurement Basis breakouts
Carrying Reported Amount Fair Value Disclosure 699 684 +2.2%
Estimate Of Fair Value Fair Value Disclosure 699 684 +2.2%
Intangible Assets Net Excluding Goodwill 282 286 -1.4%
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OMFC 282 286 -1.4%
Show Finite-Lived And Indefinite-Lived Intangible Assets [Axis] breakouts
Trade Names 223 — —
Other Assets 1,252 1,318 -5.0%
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OMFC 1,252 1,317 -4.9%
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Variable Interest Entity Primary Beneficiary 41 40 +2.5%
Non-Current Liabilities
Long-Term Debt 22,694 21,438 +5.9%
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Medium Term Notes · Senior Notes 11,057 — —
Private Secured Term Funding 349 — —
Revolving Conduit Facilities 1 — —
Securitizations 11,114 — —
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OMFC 22,694 21,438 +5.9%
OMFC · Variable Interest Entity Primary Beneficiary 11.5 12.4 -7.3%
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Variable Interest Entity Primary Beneficiary 11.5 12.4 -7.3%
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Junior Subordinated Debt 173 — —
Total Liabilities 23,987 22,719 +5.6%
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OMFC 23,988 22,720 +5.6%
Other Liabilities
Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense 576 575 +0.2%
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Financial Guarantee Insurance Segment 279 259 +7.7%
Non-finance receivable related 297 316 -6.0%
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OMFC 576 575 +0.2%
Deferred And Accrued Income Taxes 35 20 +75.0%
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OMFC 36 20 +80.0%
Other Liabilities 682 686 -0.6%
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OMFC 682 687 -0.7%
OMFC · Variable Interest Entity Primary Beneficiary 30 31 -3.2%
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Variable Interest Entity Primary Beneficiary 30 31 -3.2%
Stockholders' Equity
Common Stock Value Outstanding 1 1 0.0%
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OMFC 5 5 0.0%
Additional Paid In Capital Common Stock 1,757 1,734 +1.3%
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OMFC 2,001 1,978 +1.2%
Accumulated Other Comprehensive Income -41 -81 +49.4%
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OMFC -41 -81 +49.4%
Retained Earnings 2,579 2,296 +12.3%
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OMFC 1,419 1,253 +13.2%
Total Stockholders' Equity 3,401 3,191 +6.6%
Show Equity Components breakouts
Accumulated Defined Benefit Plans Adjustment -2 -3 +33.3%
Accumulated Gain Loss Net Cash Flow Hedge Parent 12 17 -29.4%
Accumulated Net Unrealized Investment Gain Loss -41 -81 +49.4%
Accumulated Other Comprehensive Income -41 -81 +49.4%
Accumulated Other Comprehensive Income · OMFC -41 -81 +49.4%
Accumulated Translation Adjustment -7 -13 +46.2%
Additional Paid In Capital 1,757 1,734 +1.3%
Additional Paid In Capital · OMFC 2,001 1,978 +1.2%
Aoci Liability For Future Policy Benefit Parent -3 -1 -200.0%
Common Stock 1 1 0.0%
Common Stock · OMFC 5 5 0.0%
Retained Earnings 2,579 2,296 +12.3%
Retained Earnings · OMFC 1,419 1,253 +13.2%
Treasury Stock Common -895 -759 -17.9%
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OMFC 3,384 3,155 +7.3%
Total Liabilities & Equity 27,388 25,910 +5.7%
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OMFC 27,372 25,875 +5.8%
Treasury Stock Value -895 -759 -17.9%

Cash Flow Statement

Cash Flow Statement
Metric FY 2025 FY 2024 YoY
Operating Activities
Depreciation And Amortization 287 277 +3.6%
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OMFC 287 277 +3.6%
Deferred Income Taxes 43 -42 +202.4%
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OMFC 43 -42 +202.4%
Stock-Based Compensation 36 30 +20.0%
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OMFC 36 30 +20.0%
Other Non-Cash Items -4 -1 -300.0%
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OMFC -4 -1 -300.0%
Increase Decrease In Operating Capital -13 -125 +89.6%
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OMFC -14 -125 +88.8%
Net Cash from Operations 3,132 2,699 +16.0%
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OMFC 3,130 2,699 +16.0%
Investing Activities
Payments For Proceeds From Loans Receivable -4,245 -3,806 -11.5%
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OMFC -4,245 -3,806 -11.5%
Proceeds From Sale Of Finance Receivables 1,096 574 +90.9%
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OMFC 1,096 574 +90.9%
Purchases of Investments -321 -272 -18.0%
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OMFC -321 -272 -18.0%
Proceeds From Sale And Maturity Of Available For Sale Securities 393 373 +5.4%
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OMFC 393 373 +5.4%
Payments To Acquire Other Investments -9 -12 +25.0%
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OMFC -9 -12 +25.0%
Proceeds From Sale And Maturity Of Other Investments 22 19 +15.8%
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OMFC 22 19 +15.8%
Other Investing Activities -97 -78 -24.4%
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OMFC -97 -78 -24.4%
Net Cash from Investing -3,161 -3,266 +3.2%
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OMFC -3,161 -3,266 +3.2%
Financing Activities
Proceeds From Debt Net Of Issuance Costs 7,972 4,388 +81.7%
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OMFC 7,972 4,388 +81.7%
Repayments Of Long Term Debt -6,824 -3,687 -85.1%
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OMFC -6,824 -3,687 -85.1%
Payments Of Dividends -499 -498 -0.2%
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OMFC -615 -560 -9.8%
Tax Withholding for Share Compensation -13 -11 -18.2%
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OMFC -13 -11 -18.2%
Net Cash from Financing 500 161 +210.6%
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OMFC 520 130 +300.0%
Share Repurchases -141 -35 -302.9%
Proceeds From Sale Of Treasury Stock 5 4 +25.0%
Supplemental
Interest Paid -1,236 -1,144 -8.0%
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OMFC -1,236 -1,144 -8.0%
Income Tax Paid Federal After Refund Received -96 -177 +45.8%
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OMFC -96 -177 +45.8%
Income Tax Paid State And Local After Refund Received -26 -37 +29.7%
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OMFC -26 -37 +29.7%
Income Tax Paid Foreign After Refund Received -5 -5 0.0%
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OMFC -5 -5 0.0%
Income Taxes Paid -127 -219 +42.0%
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OMFC -127 -219 +42.0%
Operating Lease Payments -60 -58 -3.4%
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OMFC -60 -58 -3.4%
Right Of Use Asset Obtained In Exchange For Operating Lease Liability 22 47 -53.2%
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OMFC 22 47 -53.2%
Other Cash Flow
Net Change in Cash 471 -406 +216.0%
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OMFC 489 -437 +211.9%
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 1,613 1,142 +41.2%
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OMFC 1,597 1,108 +44.1%

Values in millions USD. Source: SEC EDGAR 10-K filing.

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