OneMain Holdings, Inc.
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OMF Q1 2026 request
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| Metric | Q1 2026 | Q1 2025 | YoY |
|---|---|---|---|
| Interest And Dividend Income Operating | 1,387 | 1,308 | +6.0% |
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| Consumer and Insurance · Operating Segments | 1,383 | 1,301 | +6.3% |
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| OMFC | 1,387 | 1,308 | +6.0% |
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| Corporate Non Segment | 1 | 1 | 0.0% |
| Material Reconciling Items | 3 | 6 | -50.0% |
| Interest Expense Borrowings | 322 | 312 | +3.2% |
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| Consumer and Insurance · Operating Segments | 322 | 311 | +3.5% |
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| OMFC | 322 | 312 | +3.2% |
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| Variable Interest Entity Primary Beneficiary | 146 | 159 | -8.2% |
| Interest Income Expense Net | 1,065 | 996 | +6.9% |
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| OMFC | 1,065 | 996 | +6.9% |
| Provision For Loan Losses Expensed | 465 | 456 | +2.0% |
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| Consumer and Insurance · Operating Segments | 465 | 456 | +2.0% |
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| OMFC | 465 | 456 | +2.0% |
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| Consumer Loan | 419 | 409 | +2.4% |
| Credit Card Receivables | 46 | 47 | -2.1% |
| Interest Income Expense After Provision For Loan Loss | 600 | 540 | +11.1% |
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| Consumer and Insurance · Operating Segments | 596 | 534 | +11.6% |
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| OMFC | 600 | 540 | +11.1% |
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| Corporate Non Segment | 1 | 1 | 0.0% |
| Material Reconciling Items | 3 | 5 | -40.0% |
| Insurance Services Revenue | 112 | 110 | +1.8% |
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| OMFC | 112 | 110 | +1.8% |
| Investment Income Nonoperating | 23 | 26 | -11.5% |
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| OMFC | 23 | 26 | -11.5% |
| Gain Loss On Sale Of Notes Receivable | 16 | 16 | 0.0% |
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| OMFC | 16 | 16 | 0.0% |
| Gain Loss On Repurchase Of Debt Instrument | -3 | -5 | +40.0% |
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| OMFC | -3 | -5 | +40.0% |
| Noninterest Income Other | 49 | 41 | +19.5% |
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| OMFC | 49 | 41 | +19.5% |
| Noninterest Income | 197 | 188 | +4.8% |
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| Consumer and Insurance · Operating Segments | 195 | 186 | +4.8% |
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| OMFC | 197 | 188 | +4.8% |
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| Corporate Non Segment | 2 | 2 | 0.0% |
| Labor And Related Expense | 240 | 218 | +10.1% |
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| Consumer and Insurance · Operating Segments | 239 | 217 | +10.1% |
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| OMFC | 240 | 218 | +10.1% |
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| Corporate Non Segment | 1 | 1 | 0.0% |
| Other Noninterest Expense | 209 | 186 | +12.4% |
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| Consumer and Insurance · Operating Segments | 207 | 184 | +12.5% |
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| OMFC | 209 | 186 | +12.4% |
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| Corporate Non Segment | 2 | 1 | +100.0% |
| Policyholder Benefits And Claims Incurred Net | 52 | 49 | +6.1% |
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| Consumer and Insurance · Operating Segments | 52 | 49 | +6.1% |
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| OMFC | 52 | 49 | +6.1% |
| Noninterest Expense | 501 | 453 | +10.6% |
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| OMFC | 501 | 453 | +10.6% |
| Income Before Taxes | 296 | 275 | +7.6% |
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| Consumer and Insurance · Operating Segments | 293 | 270 | +8.5% |
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| OMFC | 296 | 275 | +7.6% |
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| Material Reconciling Items | 3 | 4 | -25.0% |
| Income Tax Expense (Benefit) | 70 | 62 | +12.9% |
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| OMFC | 70 | 62 | +12.9% |
| Net Income | 226 | 213 | +6.1% |
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| Retained Earnings | 226 | 213 | +6.1% |
| Retained Earnings · OMFC | 226 | 213 | +6.1% |
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| OMFC | 226 | 213 | +6.1% |
| Wtd Avg Shares (Basic) | 116,724,709 | 119,399,008 | -2.2% |
| Wtd Avg Shares (Diluted) | 117,272,604 | 119,969,713 | -2.2% |
| EPS (Basic) | 1.93 | 1.79 | +7.8% |
| EPS (Diluted) | 1.93 | 1.78 | +8.4% |
| Comprehensive Income | 214 | 229 | -6.6% |
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| OMFC | 214 | 229 | -6.6% |
| Other Comprehensive Income | -12 | 16 | -175.0% |
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| Accumulated Other Comprehensive Income | -12 | 16 | -175.0% |
| Accumulated Other Comprehensive Income · OMFC | -12 | 16 | -175.0% |
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| OMFC | -12 | 16 | -175.0% |
| Liability For Unpaid Claims And Claims Adjustment Expense Incurred Claims1 | 51 | 46 | +10.9% |
Balance Sheet
| Metric | Q1 2026 | Q1 2025 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents | 834 | 627 | +33.0% |
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| OMFC | 793 | 608 | +30.4% |
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| Variable Interest Entity Primary Beneficiary | 5 | 7 | -28.6% |
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| Goodwill | 1,474 | 1,474 | 0.0% |
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| OMFC | 1,474 | 1,474 | 0.0% |
| Total Assets | 27,018 | 26,029 | +3.8% |
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| Consumer and Insurance · Operating Segments | 25,869 | 24,889 | +3.9% |
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| OMFC | 26,977 | 26,009 | +3.7% |
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| Corporate Non Segment | 6 | 11 | -45.5% |
| Material Reconciling Items | 1,143 | 1,129 | +1.2% |
| Other Assets | |||
| Marketable Securities | 1,614 | 1,670 | -3.4% |
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| OMFC | 1,614 | 1,670 | -3.4% |
| Notes Receivable Gross | 24,447 | 23,328 | +4.8% |
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| OMFC | 24,447 | 23,328 | +4.8% |
| OMFC · Variable Interest Entity Primary Beneficiary | 13.5 | 13.4 | +0.7% |
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| Variable Interest Entity Primary Beneficiary | 13.5 | 13.4 | +0.7% |
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| Nonperforming Financing Receivable · Automobile Loan | 31 | 21 | +47.6% |
| Nonperforming Financing Receivable · Personal Loans | 564 | 519 | +8.7% |
| Performing Financing Receivable · Automobile Loan | 2,515 | 2,162 | +16.3% |
| Performing Financing Receivable · Automobile Loan | 2,404 | 2,077 | +15.7% |
| Performing Financing Receivable · Automobile Loan | 90 | 67 | +34.3% |
| Performing Financing Receivable · Automobile Loan | 21 | 18 | +16.7% |
| Performing Financing Receivable · Personal Loans | 20,354 | 19,950 | +2.0% |
| Performing Financing Receivable · Personal Loans | 19,802 | 19,408 | +2.0% |
| Performing Financing Receivable · Personal Loans | 332 | 330 | +0.6% |
| Performing Financing Receivable · Personal Loans | 220 | 212 | +3.8% |
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| Automobile Loan | 2,546 | 2,183 | +16.6% |
| Consumer Loan | 23,464 | 22,652 | +3.6% |
| Credit Card Receivables | 983 | 676 | +45.4% |
| Credit Card Receivables · Financial Asset Not Past Due | 868 | 590 | +47.1% |
| Credit Card Receivables · Financing Receivables Equal To Greater Than90 Days Past Due | 68 | 51 | +33.3% |
| Credit Card Receivables · Financing Receivables30 To59 Days Past Due | 24 | 19 | +26.3% |
| Credit Card Receivables · Financing Receivables60 To89 Days Past Due | 23 | 16 | +43.8% |
| Personal Loans | 20,918 | 20,469 | +2.2% |
| Unearned Premiums And Liability For Unpaid Claims And Claim Adjustment Expense | -771 | -747 | -3.2% |
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| OMFC | -771 | -747 | -3.2% |
| Financing Receivable Allowance For Credit Losses | -2,819 | -2,688 | -4.9% |
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| OMFC | -2,819 | -2,688 | -4.9% |
| OMFC · Variable Interest Entity Primary Beneficiary | -1.5 | -1.5 | 0.0% |
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| Variable Interest Entity Primary Beneficiary | -1.5 | -1.5 | 0.0% |
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| Consumer Loan | -2,607 | -2,536 | -2.8% |
| Credit Card Receivables | -212 | -152 | -39.5% |
| Notes Receivable Net | 20,857 | 19,893 | +4.8% |
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| OMFC | 20,857 | 19,893 | +4.8% |
| Restricted Cash And Cash Equivalents | 728 | 736 | -1.1% |
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| Fair Value Inputs Level1 | 728 | — | — |
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| OMFC | 728 | 736 | -1.1% |
| OMFC · Variable Interest Entity Primary Beneficiary | 717 | — | — |
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| Variable Interest Entity Primary Beneficiary | 717 | — | — |
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| Carrying Reported Amount Fair Value Disclosure | 728 | — | — |
| Estimate Of Fair Value Fair Value Disclosure | 728 | — | — |
| Intangible Assets Net Excluding Goodwill | 281 | 285 | -1.4% |
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| OMFC | 281 | 285 | -1.4% |
| Other Assets | 1,230 | 1,344 | -8.5% |
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| OMFC | 1,230 | 1,343 | -8.4% |
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| Variable Interest Entity Primary Beneficiary | 42 | 41 | +2.4% |
| Non-Current Liabilities | |||
| Long-Term Debt | 22,396 | — | — |
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| Medium Term Notes · Senior Notes | 10,637 | — | — |
| Private Secured Term Funding | 349 | — | — |
| Revolving Conduit Facilities | 1 | — | — |
| Securitizations | 11,236 | — | — |
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| OMFC | 22,396 | — | — |
| OMFC · Variable Interest Entity Primary Beneficiary | 11.6 | — | — |
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| Variable Interest Entity Primary Beneficiary | 11.6 | — | — |
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| Junior Subordinated Debt | 173 | — | — |
| Total Liabilities | 23,641 | 22,749 | +3.9% |
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| OMFC | 23,639 | 22,748 | +3.9% |
| Other Liabilities | |||
| Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense | 566 | 567 | -0.2% |
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| OMFC | 566 | 567 | -0.2% |
| Deferred And Accrued Income Taxes | 55 | 19 | +189.5% |
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| OMFC | 56 | 19 | +194.7% |
| Other Liabilities | 624 | 669 | -6.7% |
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| OMFC | 621 | 668 | -7.0% |
| OMFC · Variable Interest Entity Primary Beneficiary | 29 | 29 | 0.0% |
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| Variable Interest Entity Primary Beneficiary | 29 | 29 | 0.0% |
| 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 | 1,750 | 1,734 | +0.9% |
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| OMFC | 1,994 | 1,978 | +0.8% |
| Accumulated Other Comprehensive Income | -53 | -65 | +18.5% |
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| OMFC | -53 | -65 | +18.5% |
| Retained Earnings | 2,680 | 2,384 | +12.4% |
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| OMFC | 1,392 | 1,343 | +3.6% |
| Total Stockholders' Equity | 3,377 | 3,280 | +3.0% |
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| Accumulated Defined Benefit Plans Adjustment | -2 | -3 | +33.3% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent | 11 | 16 | -31.2% |
| Accumulated Net Unrealized Investment Gain Loss | -53 | -65 | +18.5% |
| Accumulated Other Comprehensive Income | -53 | -65 | +18.5% |
| Accumulated Other Comprehensive Income · OMFC | -53 | -65 | +18.5% |
| Accumulated Translation Adjustment | -8 | -13 | +38.5% |
| Additional Paid In Capital | 1,750 | 1,734 | +0.9% |
| Additional Paid In Capital · OMFC | 1,994 | 1,978 | +0.8% |
| Aoci Liability For Future Policy Benefit Parent | -1 | — | — |
| Common Stock | 1 | 1 | 0.0% |
| Common Stock · OMFC | 5 | 5 | 0.0% |
| Retained Earnings | 2,680 | 2,384 | +12.4% |
| Retained Earnings · OMFC | 1,392 | 1,343 | +3.6% |
| Treasury Stock Common | -1,001 | -774 | -29.3% |
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| OMFC | 3,338 | 3,261 | +2.4% |
| Total Liabilities & Equity | 27,018 | 26,029 | +3.8% |
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| OMFC | 26,977 | 26,009 | +3.7% |
| Treasury Stock Value | -1,001 | -774 | -29.3% |
Cash Flow Statement
| Metric | YTD Q1 2026 | YTD Q1 2025 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Depreciation And Amortization | 74 | 70 | +5.7% |
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| OMFC | 74 | 70 | +5.7% |
| Deferred Income Taxes | 29 | 15 | +93.3% |
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| OMFC | 29 | 15 | +93.3% |
| Stock-Based Compensation | 11 | 10 | +10.0% |
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| OMFC | 11 | 10 | +10.0% |
| Other Non-Cash Items | -3 | -1 | -200.0% |
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| OMFC | -3 | -1 | -200.0% |
| Increase Decrease In Operating Capital | -50 | -87 | +42.5% |
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| OMFC | -53 | -89 | +40.4% |
| Net Cash from Operations | 739 | 665 | +11.1% |
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| OMFC | 736 | 663 | +11.0% |
| Investing Activities | |||
| Payments For Proceeds From Loans Receivable | -526 | -552 | +4.7% |
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| OMFC | -526 | -552 | +4.7% |
| Proceeds From Sale Of Finance Receivables | 362 | 274 | +32.1% |
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| OMFC | 362 | 274 | +32.1% |
| Purchases of Investments | -115 | -109 | -5.5% |
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| OMFC | -115 | -109 | -5.5% |
| Proceeds From Sale And Maturity Of Available For Sale Securities | 74 | 74 | 0.0% |
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| OMFC | 74 | 74 | 0.0% |
| Payments To Acquire Other Investments | -3 | -2 | -50.0% |
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| OMFC | -3 | -2 | -50.0% |
| Proceeds From Sale And Maturity Of Other Investments | 4 | 5 | -20.0% |
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| OMFC | 4 | 5 | -20.0% |
| Other Investing Activities | -23 | -21 | -9.5% |
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| OMFC | -23 | -21 | -9.5% |
| Net Cash from Investing | -227 | -331 | +31.4% |
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| OMFC | -227 | -331 | +31.4% |
| Financing Activities | |||
| Proceeds From Debt Net Of Issuance Costs | 1,101 | 1,485 | -25.9% |
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| OMFC | 1,101 | 1,485 | -25.9% |
| Repayments Of Long Term Debt | -1,412 | -1,447 | +2.4% |
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| OMFC | -1,412 | -1,447 | +2.4% |
| Payments Of Dividends | -128 | -126 | -1.6% |
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| OMFC | -256 | -124 | -106.5% |
| Tax Withholding for Share Compensation | -18 | -10 | -80.0% |
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| OMFC | -18 | -10 | -80.0% |
| Net Cash from Financing | -563 | -113 | -398.2% |
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| OMFC | -585 | -96 | -509.4% |
| Share Repurchases | -107 | -16 | -568.8% |
| Proceeds From Sale Of Treasury Stock | 1 | 1 | 0.0% |
| Other Cash Flow | |||
| Net Change in Cash | -51 | 221 | -123.1% |
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| OMFC | -76 | 236 | -132.2% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 1,562 | 1,363 | +14.6% |
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| OMFC | 1,521 | 1,344 | +13.2% |
Values in millions USD. Source: SEC EDGAR 10-Q filing.