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OneMain (OMF) investor relations material
OneMain Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Q3 2025 net income was $199 million, up from $157 million in Q3 2024, with diluted EPS rising to $1.67 and adjusted EPS to $1.90; capital generation increased 29% to $272 million.
Managed receivables grew 6% year-over-year to $25.9 billion, with originations up 5% to $3.9 billion and customer accounts reaching 3.7 million.
Product innovation and expanded data analytics drove growth, with notable milestones in credit card and auto finance segments.
Maintained conservative underwriting and high-quality growth despite macroeconomic uncertainty.
Financial highlights
Total revenue for Q3 2025 was $1.6 billion, up 9% year-over-year; interest income grew 9% to $1.4 billion.
Adjusted net income was $227 million, up from $151 million; C&I adjusted pretax income was $303 million, up from $202 million.
Consumer loan yield was 22.6%, and credit card revenue yield rose to 32.4%.
Interest expense increased 6–7% year-over-year, reflecting higher average debt and cost of funds.
Operating expenses rose 8–9% year-over-year, mainly from higher salaries, benefits, and strategic investments.
Outlook and guidance
Full-year managed receivables growth guidance narrowed to 6–8%, with revenue growth expected at approximately 9%, above previous guidance.
C&I net charge-offs expected between 7.5% and 7.8%, at the lower end of the initial range.
Operating expense ratio expected to remain at 6.6% for the year.
Capital generation in 2025 projected to significantly exceed 2024.
Commitment to quarterly dividends of $1.05 per share for the foreseeable future, subject to Board review.
Why are delinquencies rising while NCOs improve?
What's the strategy for the new $1B buyback?
Detail strategic investments driving op-ex growth.
What factors would prompt loosening underwriting?
What guides the quarterly pace of share repurchases?
ILC charter: What new customer segments does it enable?
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Frequently asked questions
OneMain Holdings, Inc. is a financial services holding company. The Company provides secured, unsecured and installment loans to consumers for the purchase of used vehicles and the repair and improvement of existing vehicles. OneMain also offers financing for individuals, including students, seeking to refinance existing student loans into fixed-rate, long-term loans. In addition, it offers insurance products consisting of personal property casualty and homeowners lines of insurance coverage in 17 states in the United States. It also conducts business as OneMain Financial owned by OneMain Consumer Loan Holdings, Inc.
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