Core Insights - OneMain Holdings (OMF) reported quarterly earnings of $1.45 per share, exceeding the Zacks Consensus Estimate of $1.25 per share, and up from $1.02 per share a year ago, representing an earnings surprise of +16.00% [1] - The company achieved revenues of $1.02 billion for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 2.00%, and an increase from $922 million year-over-year [2] - OneMain has consistently outperformed consensus EPS and revenue estimates over the last four quarters [2] Earnings Outlook - The future performance of OneMain's stock will largely depend on management's commentary during the earnings call and the sustainability of its immediate price movement based on recent earnings and future expectations [3][4] - The current consensus EPS estimate for the upcoming quarter is $1.52 on revenues of $1.04 billion, and for the current fiscal year, it is $6.18 on revenues of $4.09 billion [7] Industry Context - The Financial - Consumer Loans industry, to which OneMain belongs, is currently ranked in the bottom 31% of over 250 Zacks industries, indicating potential challenges ahead [8] - The performance of OneMain's stock may also be influenced by the overall outlook for the industry [8]

ONEMAIN HOLDINGS, INC. REPORTS SECOND QUARTER 2025 RESULTS New York, NY, July 25, 2025 - OneMain Holdings, Inc. (NYSE: OMF), the leader in offering nonprime consumers responsible access to credit, today reported pretax income of $214 million and net income of $167 million for the second quarter of 2025, compared to $92 million and $71 million, respectively, in the prior year quarter. Earnings per diluted share were $1.40 in the second quarter of 2025, compared to $0.59 in the prior year quarter. On July 25, ...

Core Insights - OneMain Holdings, Inc. reported strong financial results for Q2 2025, with pretax income of $214 million and net income of $167 million, significantly up from $92 million and $71 million in the same quarter last year [1][3] - The company declared a quarterly dividend of $1.04 per share, payable on August 13, 2025, and repurchased approximately 460 thousand shares for $21 million during the quarter [2][14] - The CEO highlighted the strength of the business model, disciplined underwriting, and strategic initiatives contributing to shareholder value [3] Financial Performance - Total revenue for Q2 2025 was $1.5 billion, a 10% increase from $1.4 billion in Q2 2024, driven by a 10% rise in interest income to $1.3 billion [7][8] - Operating expenses increased by 11% to $415 million, reflecting growth in receivables and strategic investments [9] - Managed receivables reached $25.2 billion, up 7% from $23.7 billion a year earlier, with consumer loan originations totaling $3.9 billion, a 9% increase [6][14] Segment Performance - The Consumer and Insurance Segment reported adjusted pretax income of $231 million and adjusted net income of $173 million for Q2 2025, compared to $163 million and $122 million in the prior year [4][5] - Capital generation for the segment was $222 million, up from $136 million in the previous year, driven by receivable growth and improved credit performance [5][16] - The adjusted earnings per diluted share for the Consumer and Insurance Segment was $1.45, compared to $1.02 in the prior year [4][32] Credit Quality Metrics - The 30+ days delinquency ratio for consumer loans was 5.17%, slightly improved from 5.45% a year ago, while the 90+ days delinquency ratio decreased to 2.12% from 2.33% [9][37] - Net charge-offs were reported at 7.19%, down from 8.29% in the previous year [9][37] Funding and Liquidity - As of June 30, 2025, the company had principal debt balances of $22.4 billion, with 57% secured, and $769 million in cash and cash equivalents [10][11] - The liquidity resources included $1.1 billion of undrawn committed capacity from an unsecured corporate revolver and $9.7 billion of unencumbered receivables [11][26]

Core Insights - OneMain Holdings (OMF) is expected to report quarterly earnings of $1.25 per share, reflecting a 22.6% increase year-over-year, with revenues projected at $1 billion, an 8.7% increase from the previous year [1] Earnings Estimates - Over the last 30 days, the consensus EPS estimate has been revised upward by 1.2%, indicating analysts' reassessment of their initial forecasts [2] - Changes in earnings estimates are crucial for predicting investor reactions, as empirical studies show a strong correlation between earnings estimate revisions and short-term stock price performance [3] Key Metrics Forecast - The 'Net charge-off ratio (Consumer and Insurance Segment)' is anticipated to be 7.8%, down from 8.3% in the same quarter last year [5] - The consensus estimate for 'Net Interest Income' is $1.00 billion, compared to $922 million reported in the same quarter last year [6] - 'Other income' is expected to reach $44.90 million, up from $39 million a year ago [6] - Analysts project 'Investment' income to be $24.26 million, down from $30 million in the previous year [6] - 'Net interest income after provision for finance receivable losses' is estimated at $469.27 million, compared to $347 million in the same quarter last year [7] - 'Total other revenues' are projected to be $185.87 million, up from $174 million a year ago [7] Stock Performance - OneMain shares have increased by 5.8% over the past month, closely mirroring the 5.9% increase of the Zacks S&P 500 composite [7]

Group 1: OneMain Holdings (OMF) Earnings Expectations - Wall Street anticipates a year-over-year increase in earnings for OneMain Holdings, with expected earnings of $1.25 per share, reflecting a +22.6% change, and revenues projected at $1 billion, up 8.7% from the previous year [3][12] - The earnings report is set to be released on July 25, and the stock may rise if actual results exceed expectations, while a miss could lead to a decline [2][12] - The consensus EPS estimate has been revised 1.22% higher in the last 30 days, indicating a reassessment by analysts [4] Group 2: Earnings Surprise Prediction - The Zacks Earnings ESP model indicates that the Most Accurate Estimate for OneMain is lower than the consensus estimate, resulting in an Earnings ESP of -0.89%, suggesting a bearish outlook [12] - A positive Earnings ESP is generally a strong predictor of an earnings beat, especially when combined with a Zacks Rank of 1, 2, or 3 [10] - OneMain currently holds a Zacks Rank of 3, making it challenging to predict a consensus EPS beat [12] Group 3: Historical Performance and Industry Context - OneMain has beaten consensus EPS estimates in the last four quarters, with a notable surprise of +10.97% in the last reported quarter [13][14] - In comparison, Enova International, a peer in the consumer loans industry, is expected to post earnings of $2.97 per share, indicating a +34.4% year-over-year change, with revenues projected at $751.04 million, up 19.5% [18][19] - Enova International has a positive Earnings ESP of +0.67% and a Zacks Rank of 2, suggesting a higher likelihood of beating consensus estimates [20]

Core Insights - Zacks Premium provides tools for investors to enhance their stock market strategies and confidence [1] - The Zacks Style Scores serve as complementary indicators to the Zacks Rank, helping investors identify stocks with high potential for market outperformance [2] Zacks Style Scores Overview - Stocks are rated A, B, C, D, or F based on value, growth, and momentum characteristics, with higher scores indicating better chances of outperforming the market [3] - The Style Scores are categorized into four types: Value Score, Growth Score, Momentum Score, and VGM Score [3][4][5][6] Value Score - Focuses on identifying undervalued stocks using financial ratios such as P/E, PEG, Price/Sales, and Price/Cash Flow [3] Growth Score - Concentrates on a company's financial health and future growth potential, analyzing projected and historical earnings, sales, and cash flow [4] Momentum Score - Targets stocks with upward or downward price trends, utilizing factors like one-week price change and monthly earnings estimate changes [5] VGM Score - Combines all three Style Scores to identify stocks with attractive value, strong growth forecasts, and promising momentum [6] Zacks Rank Integration - The Zacks Rank uses earnings estimate revisions to simplify portfolio building, with 1 (Strong Buy) stocks achieving an average annual return of +23.62% since 1988, significantly outperforming the S&P 500 [7] - There are over 800 stocks rated 1 or 2, making it essential to use Style Scores to narrow down choices [8] Stock Example: OneMain Holdings (OMF) - OneMain Holdings is a financial services company with a Zacks Rank of 3 (Hold) and a VGM Score of A [11] - The stock has a Momentum Style Score of A, with a 9% increase in shares over the past four weeks and a positive earnings surprise average of +8.7% [12]

Company Overview - OneMain Holdings, Inc. is a leader in providing nonprime consumers with responsible access to credit, dedicated to improving the financial well-being of hardworking Americans [3] - The company operates across 47 states, offering personalized solutions both online and in 1,300 locations [3] Upcoming Financial Results - OneMain Holdings plans to report its second quarter 2025 results before the market opens on July 25, 2025 [1] - The earnings release will be accessible on the company's investor relations website [1] Conference Call Details - A conference call to discuss the company's results and outlook will take place on the same day at 9:00 a.m. Eastern [2] - The public can listen to the call by dialing specific numbers or via a live audio webcast on the investor relations website [2] - A replay of the call will be available on the website for those unable to attend the live broadcast [2]

Core Insights - OneMain Holdings, Inc. (OMF) shares reached a 52-week high of $60.08, with a 47.8% increase over the past three months, outperforming the industry and S&P 500 Index [1][8] - The company's revenue has shown a five-year compound annual growth rate (CAGR) of 3.6%, driven by growth in net interest income [4] - OneMain Holdings has a trailing 12-month return on equity (ROE) of 19.30%, significantly higher than the industry average of 10.11% [11][12] Revenue Growth - The company aims to enhance margins by reducing Back Book over time and has strengthened its auto finance capabilities through the acquisition of Foursight [5] - OneMain Holdings is expected to continue top-line growth due to its diversified product base and efforts to expand credit card and auto finance businesses [4][5] Financial Position - As of March 31, 2025, OneMain Holdings had total debt of $22.2 billion and cash and cash equivalents of $1.4 billion, indicating a decent balance sheet position [9] - The company has a share repurchase program worth $1 billion, with $609.8 million remaining as of March 31, 2025 [11] Expense Trends - Total other expenses have seen a CAGR of 3% over the last five years, primarily due to rising salaries and benefits [15] - Elevated expenses are expected to persist as the company invests in new products and capabilities [16] Asset Quality Concerns - Provision for finance receivable losses has a CAGR of 9.1% over the past five years, indicating underwriting concerns [19] - The allowance ratio has consistently increased, suggesting challenges in asset quality that may hinder growth [21] Valuation Metrics - OMF stock has a P/E (F1) ratio of 9.68, below the industry average of 11.72, indicating it may be undervalued [22] - Despite the attractive valuation, analysts have revised earnings estimates lower for 2025 and 2026, reflecting concerns over growth potential [25]

4Q14 & FY 2014 Earnings Presentation Three Months and Year Ended December 31, 2014 Springleaf Holdings, Inc. (LEAF) March 12, 2015 Important Information The following pages are part of a presentation by Springleaf 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 pages is complete. For additional financial, statistical and business related information, as ...

Financial Performance & Metrics - The company's 2015 Core Consumer Operations revenue was 28.5% of average net receivables[9] - The company's 2015 Core Consumer Operations charge offs were 6.5% of average net receivables[9] - The company's 2015 Core Consumer Operations unlevered Return on Receivables was 11.4%[9] - The company's funding costs were 5% of average net receivables[9] - The company's taxes were 2.4% of average net receivables[9] - The company's Return on Receivables was 4.1%[9] - The company's target Return on Receivables is 4.75% - 5%[9] - The company's target leverage range is 5x - 7x[9] Market & Customer Base - The U S consumer credit market is $3.2 trillion[15] - The company's target consumer market is $2 trillion[16] - The company has 2.4 million+ current customers[11]