OneMain (NYSE:OMF) Q4 2025 Earnings call February 05, 2026 09:00 AM ET Speaker5Good morning, everyone. Welcome to today's OneMain Financial fourth quarter 2025 earnings conference call and webcast. Hosting the call today from OneMain is Peter Poillon, Head of Investor Relations. Today's call is being recorded. At this time, all participants have been placed in a listen-only mode, and the floor will be open for your questions following the presentation. If you would like to ask a question at that time, pleas ...

Group 1 - The article discusses the importance of enabling Javascript and cookies in browsers to prevent access issues [1] - It highlights that users with ad-blockers may face restrictions when trying to access content [1]

4Q25 Financial Results NYSE: OMF | February 5, 2026 Important Information The following slides are part of a presentation by OneMain Holdings, Inc. (the "Company") in connection with reporting quarterly financial results and are intended to be viewed as part of that presentation. No representation is made that the information in these slides is complete. For additional financial, statistical, and business-related information, as well as information regarding business and segment trends, see the earnings rel ...

OneMain Holdings (OMF) came out with quarterly earnings of $1.59 per share, beating the Zacks Consensus Estimate of $1.55 per share. This compares to earnings of $1.16 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +2.47%. A quarter ago, it was expected that this consumer finance company would post earnings of $1.58 per share when it actually produced earnings of $1.9, delivering a surprise of +20.25%.Over the last four quart ...

NEW YORK, Feb. 5, 2026 /PRNewswire/ -- OneMain Holdings, Inc. (NYSE: OMF), the leader in offering nonprime consumers responsible access to credit, today reported pretax income of $249 million and net income of $204 million for the fourth quarter of 2025, compared to $164 million and $126 million, respectively, in the prior year quarter. Earnings per diluted share were $1.72 in the fourth quarter of 2025, compared to $1.05 in the prior year quarter. Managed receivables, which includes loans serviced for our ...

ONEMAIN HOLDINGS, INC. REPORTS FOURTH QUARTER 2025 RESULTS New York, NY, February 5, 2026 - OneMain Holdings, Inc. (NYSE: OMF), the leader in offering nonprime consumers responsible access to credit, today reported pretax income of $249 million and net income of $204 million for the fourth quarter of 2025, compared to $164 million and $126 million, respectively, in the prior year quarter. Earnings per diluted share were $1.72 in the fourth quarter of 2025, compared to $1.05 in the prior year quarter. Net in ...

NEW YORK, Feb. 3, 2026 /PRNewswire/ -- OneMain Holdings, Inc. (NYSE: OMF), the leader in offering nonprime consumers responsible access to credit, announced today that Doug Shulman, Chairman and CEO, will present at the Bank of America 2026 Financial Services Conference at 11:20 a.m. Eastern on Wednesday, February 11. Webcast Information The general public is invited to listen to the live audio webcast through the Investor Relations section of OneMain's website at http://investor.onemainfinancial.com. Abou ...

Core Insights - Two key players in the consumer finance space targeting underserved credit segments are Pagaya Technologies Ltd. (PGY) and OneMain Holdings, Inc. (OMF) with differing operating models and revenue streams [1] Pagaya Technologies Ltd. (PGY) - Pagaya operates on an AI-powered, capital-light platform, partnering with banks and lenders rather than holding large loan books [2] - The company has expanded its offerings from personal lending to include auto loans and point-of-sale financing, spreading risk across multiple asset classes [4] - PGY has established relationships with over 135 institutional investors and utilizes forward-flow agreements to enhance funding predictability [4][6] - In 2025, PGY achieved three consecutive quarters of positive GAAP net income, with a net income of $47.1 million compared to a net loss of $163.5 million in the prior year [7] - Credit-related impairment losses improved significantly, declining by over $95 million year-over-year, reflecting better-performing loan vintages and improved AI-driven underwriting accuracy [8] - PGY's return on equity (ROE) stands at 44.45%, indicating higher efficiency in generating profits compared to OMF's 22.70% [21] - Revenue growth estimates for PGY indicate increases of 28.4% and 19.2% for 2025 and 2026, respectively, with earnings growth estimates of 273.5% and 10% for the same years [24] OneMain Holdings, Inc. (OMF) - OMF provides unsecured and secured personal installment loans through 1,300 locations across 47 states, focusing on debt consolidation and other large personal needs [10] - The company has experienced a revenue growth CAGR of 3.6% from 2019 to 2024, with continued momentum in 2025 [11] - OMF employs rigorous underwriting supported by centralized data analytics, maintaining a strong record of managing credit performance [12] - The company has raised dividends eight times since 2019, with a recent increase of 1% announced in October 2025, and has a $1 billion share repurchase program in place [13] - Revenue growth estimates for OMF indicate increases of 8.9% and 7.5% for 2025 and 2026, respectively, with earnings growth estimates of 36% and 19.1% for the same years [26] Comparative Analysis - In the past year, PGY's stock has surged by 117.1%, while OMF's stock has gained 19%, indicating stronger investor sentiment towards PGY [15] - PGY is trading at a trailing 12-month price-to-book (P/B) ratio of 3.02X, compared to OMF's 2.30X, suggesting PGY is more expensive in terms of valuation [19] - PGY's AI-driven model shows stronger earnings growth prospects than OMF's traditional lending approach [9] - PGY's compelling growth trajectory and capital-efficient funding strategy position it as a high-upside investment opportunity compared to OMF's established marketplace model [30][31]

Core Viewpoint - Deutsche Bank has released a report on the outlook for the U.S. consumer finance sector in 2026, focusing on the earnings guidance of seven companies, which is expected to have a greater impact on stock prices than the actual Q4 performance [1] Group 1: Company-Specific Guidance - American Express (AXP): Deutsche Bank expects a short-term revenue growth slowdown to 8.5% for FY2026, below the market expectation of 9.0%, with diluted EPS projected at $17.75, slightly above the consensus of $17.56 [2] - Synchrony Financial (SYF): Projected loan receivables growth of 4.75% for 2026, exceeding the market expectation of 3.14%, but net revenue forecasted at $15.7 billion, below the market's $16.5 billion [2] - Ally Financial (ALLY): Expected average earning assets growth of 1.7% in 2026, with net interest margin rising to 3.72%, slightly above the market expectation of 3.70% [3] - OneMain Holdings (OMF): Projected management receivables growth of 6.55% for 2026, below the market expectation of 8.00%, with revenue growth of 6.15%, also slightly below the consensus [3] - SoFi Technologies (SOFI): Management reiterated EPS guidance of $0.55-$0.80 for 2026, with a midpoint forecast of $0.67, significantly above the market consensus of $0.58 [4] - Navient Corp (NAVI): Expected NIM for private education loans to rise to 2.81% in 2026, with core EPS projected at $1.15, benefiting from market opportunities due to the cancellation of the GRAD PLUS program [5] Group 2: Market Trends and Influences - The guidance from these companies is expected to influence stock prices more than their Q4 actual performance, highlighting the importance of forward-looking statements in the consumer finance sector [1] - The report indicates that the consumer finance sector is experiencing varying growth rates, with some companies facing challenges due to market saturation and regulatory changes [2][3][4]

Core Insights - OneMain Holdings, Inc. (NYSE:OMF) is recognized among the 15 Dividend Growth Stocks with the highest growth rates [1] - JPMorgan downgraded OneMain's rating to Underweight from Neutral, while increasing the price target to $65 from $59, reflecting concerns over borrower pressures [2] - TPG Inc. is significantly expanding its loan purchases from OneMain, indicating a shift in consumer lending dynamics [4] Group 1: Company Performance and Ratings - JPMorgan analyst Richard Shane expressed concerns that OneMain's customer base may face increased pressure due to high prices and muted wage growth [3] - The overall economic environment is challenging for OneMain's borrowers, despite potential support for wages from tighter immigration policies [3] Group 2: Loan Purchases and Agreements - TPG is expected to purchase approximately $2.4 billion of OneMain's loans through a forward-flow agreement, which will continue until June 2028 [5] - This new agreement adds to the previously established $1.3 billion deal, highlighting TPG's commitment to expanding its involvement in consumer lending [5] - Forward-flow arrangements allow OneMain to offload loans more quickly, thereby freeing up capital for additional lending [6] Group 3: Company Overview - OneMain Holdings, Inc. is a financial services holding company that specializes in personal loans, auto financing, and credit cards, along with optional add-on products and financial wellness programs [7]