Here's What Key Metrics Tell Us About OneMain (OMF) Q4 Earnings

Core Insights - OneMain Holdings reported $1.01 billion in revenue for Q4 2024, a 10% year-over-year increase, with an EPS of $1.16 compared to $1.39 a year ago, indicating a positive revenue surprise of +1.47% over estimates [1] - The consensus EPS estimate was $1.12, resulting in an EPS surprise of +3.57% [1] Financial Performance Metrics - The net charge-off ratio for the Consumer and Insurance Segment was 7.6%, better than the three-analyst average estimate of 8.1% [4] - Insurance revenue was reported at $111 million, slightly below the average estimate of $113.15 million [4] - Net Interest Income reached $1.01 billion, exceeding the average estimate of $993.84 million [4] - Other income was reported at $42 million, above the average estimate of $40.66 million [4] - Investment income was $21 million, below the average estimate of $24.87 million [4] - Net interest income after provision for finance receivable losses was $486 million, surpassing the average estimate of $465.69 million [4] - Total other revenues were $160 million, below the average estimate of $181.08 million [4] - Gain on sales of finance receivables was $5 million, slightly below the average estimate of $6 million [4] Stock Performance - OneMain's shares returned +10.7% over the past month, outperforming the Zacks S&P 500 composite's +2.9% change [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]