It also makes growth capital and general refinancing. It prefers to invest in companies engaged in basic and growth manufacturing, business services, consumer products, healthcare products and services, and information technology sectors.The company specializes in providing financing solutions for the middle market and appears poised to reach new highs, while garnering a Buy rating from 12 analysts. This company is a high-yielding business development company (BDC) with a substantial 9.56% dividend yield. A ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-36129 (OneMain Holdings, Inc.) 001-06155 (OneMain Finance Corporation) ONEMAIN HOLDINGS, INC. ONEMAIN FINANCE CORPORATION (E ...

Financial Data and Key Metrics Changes - Capital generation was $272 million, up 29% year over year [4] - C&I adjusted earnings were $1.90 per share, up 51% [4] - Total revenue grew 9% to $1.6 billion, with interest income also increasing by 9% [18] - Managed receivables ended the quarter at $25.9 billion, up $1.6 billion or 6% from a year ago [16] - Third quarter GAAP net income was $199 million, or $1.67 per diluted share, up 27% from the previous year [15] Business Line Data and Key Metrics Changes - Originations increased by 5% year over year, totaling $3.9 billion [16] - Credit card receivables reached $834 million, with over 1 million credit card customers [9] - Auto finance receivables were over $2.7 billion, up about $100 million from the last quarter [10] - Consumer loan yield was 22.6%, flat from the second quarter but up 49 basis points year over year [17] Market Data and Key Metrics Changes - 30-plus day delinquency rate was 5.41%, down 16 basis points year over year [5] - C&I net charge-offs were 7%, down 51 basis points compared to the previous year [5] - Consumer loan net charge-offs were 6.7%, down 66 basis points year over year [23] Company Strategy and Development Direction - The company is focused on innovation across products, digital experience, and data science to drive growth [31] - A conservative underwriting posture is maintained while exploring growth opportunities in high credit quality segments [17][38] - The company plans to increase its dividend by $0.01 quarterly, reflecting confidence in business strength [14] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the health of the consumer and the stability of the non-prime market [32][34] - There is a cautious optimism regarding macroeconomic factors, with expectations for continued year-over-year improvement in credit metrics [36] - The company anticipates capital generation in 2025 will significantly exceed 2024, reflecting strong business momentum [30] Other Important Information - The company has been recognized as one of America's top 100 most loved workplaces for 2025 [12] - A $1 billion share repurchase program was approved, indicating confidence in the company's capital generation [14] - The company has expanded its whole loan sale forward flow agreement, enhancing capital and funding flexibility [27] Q&A Session Summary Question: What is the current health of the non-prime consumer? - Management noted that they are not seeing negative trends in auto credit and that consumers are holding up well, with stable disposable income [32][33] Question: Can you provide insights on the direction of delinquencies? - Management expects continued year-on-year improvement in consumer loan net charge-offs and believes delinquencies are in line with expectations [36] Question: What is the company's stance on underwriting standards? - The company maintains a conservative underwriting posture and is focused on booking loans that meet risk-adjusted return thresholds [38] Question: How is the company managing funding costs? - Funding costs have come in lower than expected due to successful bond issuances and proactive debt management [41][42] Question: What are the company's plans regarding share buybacks? - The company anticipates increasing buybacks as excess capital generation grows, with a $1 billion program approved through 2028 [44] Question: How does the competitive environment look for originations? - The company sees a constructive competitive environment, with originations up 10% year-to-date, and pricing has remained stable [48][49]

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Financial Performance - Originations reached $3.9 billion, a 5% year-over-year increase[13] - Capital Generation increased to $272 million, up 29% year-over-year[14] - Managed Receivables totaled $25.9 billion, reflecting a 6% year-over-year growth[15] - Consumer & Insurance (C&I) Adjusted Diluted EPS increased significantly to $1.90, a 51% year-over-year increase[17] Portfolio Quality - C&I Net Charge-offs decreased by 51 basis points year-over-year to 70%[17] - Consumer Loan Net Charge-offs decreased by 66 basis points year-over-year to 67%[17] - The company's 30+ delinquency rate was 541%, down 16bps year-over-year[47,50] New Products & Receivables - Credit Card Receivables grew to $834 million[16] - Auto Managed Receivables reached $2.7 billion[15] - BrightWay credit card rollout saw 11% quarter-over-quarter receivables growth[38] Capital Allocation - The company declared a dividend of $105 per share, an increase from $104[17] - The dividend yield is approximately 7% based on the closing share price on October 29, 2025[17] - The board authorized a $1 billion share repurchase program through December 31, 2028[17]

OneMain Holdings (OMF) came out with quarterly earnings of $1.9 per share, beating the Zacks Consensus Estimate of $1.58 per share. This compares to earnings of $1.26 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +20.25%. A quarter ago, it was expected that this consumer finance company would post earnings of $1.25 per share when it actually produced earnings of $1.45, delivering a surprise of +16%.Over the last four quarter ...

Financial Performance - OneMain reported pretax income of $263 million and net income of $199 million for Q3 2025, compared to $207 million and $157 million in the prior year quarter, respectively[1]. - Earnings per diluted share increased to $1.67 in Q3 2025 from $1.31 in the prior year quarter[1]. - Total revenue for Q3 2025 was $1.6 billion, up 9% from $1.5 billion in the prior year quarter[8]. - For Q3 2025, OneMain Holdings reported net income of $199 million, an increase from $167 million in Q2 2025, reflecting a 19.2% quarter-over-quarter growth[26]. - OneMain's diluted EPS for Q3 2025 was $1.67, compared to $1.40 in Q2 2025, reflecting a 19.3% increase[26]. - The company reported a return on assets of 3.0% for Q3 2025, an improvement from 2.5% in Q2 2025[26]. - The company reported a net loss on repurchases and repayments of debt amounting to $39 million for Q3 2025, compared to $20 million in Q2 2025[30]. - OneMain Holdings' total other revenues for Q3 2025 were $200 million, up from $195 million in Q2 2025[32]. Consumer and Insurance Segment - The Consumer and Insurance segment adjusted pretax income was $303 million, up from $202 million in the prior year quarter, with adjusted net income rising to $227 million from $151 million[5]. - The adjusted pretax income (non-GAAP) for the Consumer & Insurance segment was $303 million for Q3 2025, compared to $231 million in Q2 2025, reflecting a 31.1% increase[32]. - The adjusted net income (non-GAAP) for Q3 2025 was $227 million, compared to $173 million in Q2 2025, representing a 31.2% increase[32]. Loan and Receivables Performance - Managed receivables reached $25.9 billion, a 6% increase from $24.3 billion a year earlier[7]. - Consumer loan originations totaled $3.9 billion, reflecting a 5% increase from $3.7 billion in the prior year quarter[8]. - OneMain's net finance receivables reached $24.465 billion as of September 30, 2025, up from $23.870 billion in Q2 2025, representing a 2.5% increase[28]. - The total net finance receivables reached $24,490 million as of September 30, 2025, up from $23,901 million in the previous quarter, indicating a growth of 2.5%[34]. - Average net receivables for Q3 2025 increased to $24,238 million, compared to $23,634 million in Q2 2025, representing a growth of 2.6%[35]. - Origination volume for consumer loans in Q3 2025 was $3,889 million, slightly down from $3,907 million in Q2 2025, indicating stable lending activity[37]. Expenses and Loss Provisions - Operating expenses increased to $427 million, up 8% from $396 million in the prior year quarter, due to receivable growth and strategic investments[11]. - The provision for finance receivable losses was $488 million, down $24 million compared to the prior year period[9]. - The provision for finance receivable losses was $488 million for Q3 2025, slightly down from $511 million in Q2 2025[32]. - Net charge-offs for Q3 2025 were $427 million, a decrease from $445 million in Q2 2025, showing a 4.0% improvement[26]. - Net charge-offs for Q3 2025 totaled $428 million, a decrease from $446 million in Q2 2025, showing a reduction in loan defaults[35]. - Gross charge-offs for consumer loans in Q3 2025 were $480 million, down from $496 million in Q2 2025, indicating a positive trend in loan performance[37]. - Net charge-off ratio for consumer loans in Q3 2025 was 6.67%, a decrease from 7.19% in Q2 2025, reflecting improved loan quality[37]. Shareholder Returns and Equity - The company declared a quarterly dividend of $1.05 per share, a 1% increase from the previous dividend of $1.04[2]. - OneMain repurchased approximately 540 thousand shares for $32 million during the quarter, with a new $1.0 billion share repurchase program approved[3]. - Total shareholders' equity increased to $3.378 billion as of September 30, 2025, from $3.326 billion in Q2 2025, a rise of 1.6%[29]. Asset Management - The company’s total assets reached $26.985 billion as of September 30, 2025, compared to $26.628 billion at the end of Q2 2025, marking a 1.3% increase[28]. - The allowance for finance receivable losses stood at $2.815 billion as of September 30, 2025, up from $2.754 billion in Q2 2025, indicating a 2.2% increase[28]. - The allowance for finance receivable losses stood at $2,818 million, with an allowance ratio of 11.51% as of September 30, 2025[34]. - The company maintained undrawn conduit facilities of $5.999 billion as of September 30, 2025, unchanged from Q2 2025[29]. Future Outlook - Total revenue for the fiscal year 2024 is projected to be higher than the previous year, driven by strategic market expansions and new product offerings[35].

Accessibility StatementSkip Navigation NEW YORK, Oct. 31, 2025 /PRNewswire/ -- OneMain Holdings, Inc. (NYSE: OMF), the leader in offering nonprime consumers responsible access to credit, today reported pretax income of $263 million and net income of $199 million for the third quarter of 2025, compared to $207 million and $157 million, respectively, in the prior year quarter. Earnings per diluted share were $1.67 in the third quarter of 2025, compared to $1.31 in the prior year quarter. On October 31, 2025 ...

OneMain Holdings is one of those companies Benjamin Graham would consider buyable. They have a 100-year history, transparent management and reporting, trade at a tolerable forward PE of 9, and pay a 7% dividend. Stable management, safe dividends, transparent reporting, decent valuation, andPhD in Law and Economics, with a dissertation focusing on corporate wrongdoing. Longstanding interest in the stock-market, focusing primarily on US small to mid caps, both long and short.I will write about what peaks my i ...

Core Viewpoint - OneMain Holdings is considered a buyable company due to its 100-year history, transparent management, and a forward PE of 9, along with a 7% dividend yield [1] Group 1: Company Overview - OneMain Holdings has a long-standing history of 100 years, indicating stability and reliability in its operations [1] - The company is characterized by transparent management and reporting practices, which enhances investor confidence [1] Group 2: Financial Metrics - The forward price-to-earnings (PE) ratio is noted to be 9, which is considered tolerable and suggests decent valuation [1] - OneMain Holdings offers a dividend yield of 7%, providing a stable income stream for investors [1] Group 3: Analyst Perspective - The analysis emphasizes a focus on value, growth, secular trends, and accounting practices, indicating a comprehensive approach to evaluating investment opportunities [1]