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 ...

Core Insights - The company reported a strong finish to 2025, with fourth-quarter net income of $12.9 million, or $1.30 in diluted earnings per share, representing a 33% year-over-year increase [1][3] - The results exceeded guidance despite a larger provision for credit losses due to stronger-than-expected portfolio growth [1] - Management emphasized investments in technology, data analytics, and credit risk management to enhance digital origination and servicing [1] Financial Performance - Fourth-quarter revenue reached a record $170 million, up 10% year-over-year, with net receivables increasing by $87 million [5][4] - Full-year net income was $44.4 million, an 8% increase from 2024, with ending net receivables rising 13% to $2.1 billion [6][3] - Originations for the fourth quarter totaled a record $537 million, up 13% year-over-year, contributing to a full-year total of $2.0 billion, a 19% increase from 2024 [5][7] Credit Metrics - Credit metrics showed improvement, with the 30+ day delinquency rate at 7.5%, a 20 basis point improvement year-over-year [9] - The annualized net credit loss rate improved by 30 basis points year-over-year in Q4, and by 70 basis points for the full year [9][10] - The allowance for credit losses increased by $8.9 million in Q4 to support portfolio growth, maintaining an allowance rate of 10.3% [10] 2026 Outlook - For 2026, the company targets at least 10% growth in ending net receivables and 20-25% growth in net income [3][12] - Management expects net income to be significantly higher in the second half of 2026 compared to the first half, consistent with seasonal patterns [12] - The impact of higher tax refunds is anticipated to improve collections and delinquencies in Q1, although ending net receivables may contract sequentially [13] Capital Returns - The board declared a $0.30 per share dividend for the first quarter and repurchased approximately 197,000 shares in Q4 at an average price of $38.07 [15] - For the full year, about 702,000 shares were repurchased at an average price of $34.12 [15] Operational Efficiency - The annualized operating expense ratio was 12.4% in Q4, an improvement of 160 basis points year-over-year, while the full-year ratio was 13.1%, improving 70 basis points [8] - Management maintained discipline on expenses while continuing to invest in growth initiatives [8]

Financial Data and Key Metrics Changes - In Q4 2025, the company generated net income of $12.9 million, or $1.30 diluted earnings per share, representing a 33% year-over-year increase [6] - For the full year 2025, net income reached $44.4 million, an 8% increase compared to 2024 [7] - Ending net receivables grew by $248 million, or 13% year-over-year, aligning with the growth guidance of at least 10% [7] - The annualized operating expense ratio was 12.4% in Q4, an improvement of 160 basis points year-over-year [10] Business Line Data and Key Metrics Changes - Total Q4 originations were $537 million, up 13% year-over-year, driven by strong performance from digital leads and the auto-secured product [17] - The auto-secured portfolio grew by 42% year-over-year, representing a larger portion of the overall portfolio [11] Market Data and Key Metrics Changes - The 30+ day delinquency rate improved by 20 basis points year-over-year to 7.5% [19] - The annualized net credit loss rate improved by 30 basis points year-over-year in Q4, and by 70 basis points for the full year compared to 2024 [20] Company Strategy and Development Direction - The company aims to continue portfolio growth, particularly in the auto-secured segment, and expand its physical footprint in attractive markets [11][12] - Investments in technology, data analytics, and credit risk management are prioritized to enhance risk-adjusted returns [12] - A bank partnership initiative is in development to improve market entry speed and product uniformity [13] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the consumer's resilience and adaptability, indicating a healthy economic environment [17][50] - For 2026, the company expects net receivables growth of at least 10% and net income growth in the range of 20%-25% [14] Other Important Information - The company returned $36 million to shareholders through dividends and share repurchases in 2025 [10] - A dividend of $0.30 per common share was declared for Q1 2026 [23] Q&A Session Summary Question: Details on bank partnerships and potential to become a bank - Management discussed ongoing efforts in developing bank partnerships to enhance market entry and product uniformity, but no immediate plans to become a bank [29][30] Question: Guidance on credit reserves and expenses - Management indicated a shift to a full-year view for guidance, emphasizing long-term value creation rather than short-term precision [33][34] Question: Same store receivable growth versus store expansion - Management noted improvements in efficiency per branch and indicated that both same store growth and geographic expansion are key growth levers [42] Question: Graduation program and loan sizes - Management confirmed a balanced approach to growth, continuing to offer smaller loans while also expanding larger loan offerings [46] Question: Macro outlook and customer acquisition costs - Management expressed optimism about loan demand and indicated that marketing efficiency has improved, with plans to reinvest in growth [55][56]

Financial Data and Key Metrics Changes - In Q4 2025, the company generated net income of $12.9 million, or $1.30 diluted earnings per share, representing a 33% year-over-year increase [6] - For the full year 2025, net income reached $44.4 million, an 8% increase compared to 2024 [7] - Ending net receivables grew by $248 million, or 13% year-over-year, closing the year with a loan portfolio of $2.1 billion [7] - The annualized operating expense ratio was 12.4% in Q4, an improvement of 160 basis points year-over-year [10] Business Line Data and Key Metrics Changes - Total Q4 originations were $537 million, up 13% year-over-year, driven by strong performance from digital leads and the auto-secured product [17] - The auto-secured portfolio grew by 42% year-over-year, representing a larger portion of the overall portfolio [11] Market Data and Key Metrics Changes - The 30+ day delinquency rate improved by 20 basis points year-over-year to 7.5% [19] - The annualized net credit loss (NCL) rate improved by 30 basis points year-over-year in Q4, and by 70 basis points for the full year compared to 2024 [20] Company Strategy and Development Direction - The company aims to continue portfolio growth, particularly in the auto-secured segment, and expand its physical footprint in attractive markets [11][12] - Investments in technology, data analytics, and credit risk management are prioritized to enhance risk-adjusted returns [12] - A bank partnership initiative is in development to improve market entry speed and product uniformity [13] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the consumer's resilience and adaptability, anticipating strong loan demand post-tax season [51] - For 2026, the company expects net receivables growth of at least 10% and net income growth in the 20%-25% range [14] Other Important Information - The company returned $36 million to shareholders through dividends and share repurchases in 2025 [10] - A dividend of $0.30 per common share was declared for Q1 2026 [23] Q&A Session Summary Question: Details on bank partnerships and potential to become a bank - Management discussed the benefits of bank partnerships for improving speed to market and product uniformity, but indicated it is too early to consider becoming a bank [29][30] Question: Guidance on credit reserves and expenses - Management shifted focus to a full-year view for guidance, emphasizing long-term value creation rather than short-term precision [33] Question: Same store receivable growth versus store expansion - Management noted improvements in efficiency per branch and indicated that both geographic expansion and same store growth are key levers [42] Question: Customer acquisition costs and marketing trends - Management highlighted improved marketing efficiency and indicated potential reinvestment in marketing to support growth [56] Question: Pricing strategy in relation to market rates - Management stated that pricing is aligned with market conditions and consumer ability to pay, with no programmatic extension of loan duration [61][65]

Financial Data and Key Metrics Changes - In Q4 2025, the company generated net income of $12.9 million, or $1.30 diluted earnings per share, representing a 33% year-over-year increase [5] - For the full year 2025, net income reached $44.4 million, an 8% increase compared to 2024 [6] - Ending net receivables grew by $248 million, or 13% year-over-year, aligning with the growth guidance of at least 10% [6] - The annualized operating expense ratio was 12.4% in Q4, an improvement of 160 basis points year-over-year [9] Business Line Data and Key Metrics Changes - Total originations in Q4 2025 were $537 million, up 13% year-over-year, driven by strong performance from digital leads and the auto-secured product [17] - The auto-secured portfolio grew by 42% year-over-year, representing a larger portion of the overall portfolio [10] Market Data and Key Metrics Changes - The 30+ day delinquency rate improved by 20 basis points year-over-year to 7.5% [19] - The annualized net credit loss rate improved by 30 basis points year-over-year in Q4 2025 [19] Company Strategy and Development Direction - The company aims to continue portfolio growth, particularly in the auto-secured segment, and expand its physical footprint by opening new branches [10][11] - Investments in technology, data analytics, and credit risk management are prioritized to enhance operational efficiency and customer experience [11][12] - A bank partnership initiative is being developed to improve market entry speed and product uniformity [12] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the consumer's resilience and adaptability, anticipating continued loan demand despite seasonal impacts from tax refunds [17][51] - For 2026, the company expects net receivables growth of at least 10% and net income growth in the range of 20%-25% [14] Other Important Information - The company returned $36 million to shareholders through dividends and share repurchases in 2025 [9] - A dividend of $0.30 per common share was declared for Q1 2026 [23] Q&A Session Summary Question: Details on bank partnerships and potential for becoming a bank - Management discussed the benefits of bank partnerships for improving market speed and product uniformity, but indicated no immediate plans to become a bank [30][31] Question: Guidance on credit reserves and expenses - Management shifted focus to a full-year view for guidance, emphasizing long-term value creation rather than short-term precision [34] Question: Same store receivable growth versus store expansion - Management noted efficiency improvements in loan balances per branch and indicated that both same store growth and geographic expansion are key growth levers [42] Question: Graduation program for loans - Management confirmed a balanced approach to growth, continuing to offer smaller loans while also expanding larger loan offerings [45] Question: Macro outlook and loan demand - Management expressed optimism about the macroeconomic environment, citing healthy consumer conditions and anticipated strong loan demand post-tax season [49][51] Question: Customer acquisition costs and marketing trends - Management highlighted improved marketing efficiency and indicated potential reinvestment in marketing to support growth [54]

4Q 25 Earnings Presentation February 4, 2026 Legal Disclosures This document contains summarized information concerning Regional Management Corp. (the "Company") and the Company's business, operations, financial performance, and trends. No representation is made that the information in this document is complete. For additional financial, statistical, and business information, please see the Company's most recent Annual Report on Form 10-K and Quarterly Reports on Form 10-Q filed with the U.S. Securities and ...

Quick Read Credit card interest rates reached nearly 21% as of Q3 2025. Paying off 21% debt delivers a guaranteed 21% return through avoided interest charges. Credit cards charge 17 percentage points above the Federal Funds Rate. Investors rethink 'hands off' investing and decide to start making real money Consumer finance expert Clark Howard has long maintained a straightforward position on credit card debt: it's a financial emergency demanding immediate attention. His reasoning centers on a mat ...

| 序号 | 当事人名称 | 行改处罚 决定书文号 | 违法行为英烈 | 行政处罚内容 | 作出行政处罚 决定机关名称 | | --- | --- | --- | --- | --- | --- | | | 中信消费会驻有限公司 | 银京 同决字(2026) 1号 | 1、异议处理超用: 未按照规定对异议进行书面回复: 3、未按照规定对异议信息进行标注: 1、未准确报送个人信用信息。 | 面款1.050.000元, | 中国人民银行北京市分 | | 2 | 赵某丹(中信消费金融 有限公司风险管理部) | 银京罚决字 (2026) 2号 1、青议处理超屏; | 对中信消费金融有限公司下列行为负有 直接责任: | 可货96.000元。 | 中国人民银行北京市分 | | | | 2. | 来按照规定对异议进行书面回复: 3、未按照规定对异议信息进行标注。 | | | 近日，中国人民银行北京市分行发布行政处罚决定信息公示表（银京罚决字〔2026〕1-2号）显示，中信消金本次涉及的违法行为为以下四项：异议处理超 期、未按规定对异议进行书面回复、未按规定对异议信息进行标注、未准确报送个人信用信息，被罚款105万元。同时， ...

Core Insights - Diamond Hill Capital's "Large Cap Fund" reported a 1.41% return in Q4 2025, underperforming the Russell 1000 Value Index, which increased by 3.8% [1] - The information technology and communication services sectors led the market rally, driven by optimism surrounding AI [1] - The firm remains cautious about AI-driven market enthusiasm, favoring fundamentally stable, high-quality, cash-generative businesses [1] Company-Specific Insights - Capital One Financial Corporation (NYSE:COF) was highlighted as a significant contributor to the fund's performance, with a stock price of $223.68 as of February 2, 2026 [2] - COF experienced a -13.28% return in the past month but has risen 11.77% over the past twelve months, with a market capitalization of $142.201 billion [2] - The company outperformed in Q4 due to strong Q3 results, better-than-expected revenue and expense trends, and management's clarity on accelerating share buybacks [3] Hedge Fund Interest - Capital One Financial Corporation is not among the 30 most popular stocks among hedge funds, with 129 hedge fund portfolios holding COF at the end of Q3, down from 132 in the previous quarter [4] - While COF is acknowledged as a potential investment, the firm believes certain AI stocks present greater upside potential and less downside risk [4]

Group 1 - The core point of the article is that China Post Consumer Finance Co., Ltd. has obtained a patent for an "adaptive data scraping method, device, storage medium, and apparatus" with the authorization announcement number CN120892208B, and the application date is September 2025 [1] - China Post Consumer Finance Co., Ltd. was established in 2015 and is located in Guangzhou, primarily engaged in monetary financial services [1] - The company has a registered capital of 3 billion RMB [1] Group 2 - According to data analysis from Tianyancha, China Post Consumer Finance Co., Ltd. has participated in 1,591 bidding projects [1] - The company has 116 trademark information entries and 173 patent information entries [1] - Additionally, the company holds 10 administrative licenses [1]