ONEMAIN HOLDINGS, INC. REPORTS FOURTH QUARTER 2025 RESULTS

Financial Performance - OneMain Holdings reported a pretax income of $249 million and a net income of $204 million for Q4 2025, an increase from $164 million and $126 million in the same quarter of the previous year [1][2] - For the full year 2025, net income reached $783 million, up from $509 million in 2024, with earnings per diluted share increasing to $6.56 from $4.24 [2][3] - The company declared a quarterly dividend of $1.05 per share, payable on February 23, 2026 [2] Consumer and Insurance Segment - The Consumer and Insurance segment reported an adjusted pretax income of $250 million and adjusted net income of $188 million for Q4 2025, compared to $185 million and $139 million in the prior year quarter [4][5] - For the full year 2025, adjusted net income for the segment was $795 million, up from $587 million in 2024 [5] Capital Generation - Capital generation for Q4 2025 was $225 million, an increase from $183 million in the prior year quarter, driven by receivable growth and yield improvement [6][7] - For the full year 2025, capital generation totaled $913 million, compared to $685 million in 2024 [7] Receivables and Loan Originations - Managed receivables reached $26.3 billion as of December 31, 2025, a 6% increase from $24.7 billion a year earlier [7][8] - Consumer loan originations totaled $3.6 billion in Q4 2025, up 3% from $3.5 billion in the prior year quarter [8] Revenue and Expenses - Total revenue for Q4 2025 was $1.6 billion, an 8% increase from $1.5 billion in the prior year quarter, with interest income also rising to $1.4 billion [8][10] - Operating expenses for Q4 2025 were $443 million, up 5% from $422 million in the prior year quarter, reflecting strategic investments and receivable growth [11] Funding and Liquidity - As of December 31, 2025, OneMain had principal debt balances of $23.0 billion, with $914 million in cash and cash equivalents [12][13] - The company has significant liquidity resources, including $1.1 billion of undrawn committed capacity from an unsecured corporate revolver and $11.8 billion of unencumbered receivables [13]