OneMain Holdings Reports Solid Third Quarter Growth in 2025 Financial Results
On October 31, 2025, OneMain Holdings, Inc. (NYSE: OMF) unveiled its financial report for the third quarter of 2025, revealing a robust performance in various metrics. The company reported a diluted earnings per share (EPS) of $1.67, which marks a significant increase from $1.31 during the same period the previous year. Notably, the adjusted diluted EPS for the Consumer and Insurance segment (CI) was even higher at $1.90, compared to $1.26 a year earlier.
In terms of financial health, OneMain's managed receivables reached an impressive $25.9 billion, reflecting a 6% rise from $24.3 billion a year ago. This increase is attributed to steady growth in consumer loan originations, which totaled $3.9 billion in the third quarter, up from $3.7 billion year-over-year.
Additionally, OneMain's total revenue rose to $1.6 billion, a 9% increase from the previous year’s $1.5 billion. Much of this growth can be traced back to a boost in interest income, which reached $1.4 billion, also up 9% from the prior quarter.
The company also announced a 1% hike in its quarterly dividend, raising it to $1.05 per share, with the payout scheduled for November 14, 2025. This decision aligns with OneMain's commitment to delivering value to its shareholders.
In efforts to enhance shareholder value, OneMain has approved a $1.0 billion share repurchase program set to expire on December 31, 2028, which is a continuation of a proactive financial strategy. To date, approximately 540,000 shares have been repurchased for $32 million.
CEO Doug Shulman remarked on the results, highlighting the company's focus on innovation and execution, which positions OneMain favorably for ongoing revenue growth and positive credit trends. He emphasized the company's ability to adapt amidst challenges, reinforcing a commitment to customer service and credit accessibility for nonprime consumers.
On the risk management front, the provision for finance receivable losses stood at $488 million, a decrease of $24 million from the same period last year. The delinquency ratios revealed slight improvements in credit quality, with both the 30+ days and 90+ days delinquency ratios at 5.55% and 2.35%, respectively, demonstrating effective credit management strategies in place.
OneMain's financial results reflect a thriving business model that caters to its target demographic of nonprime consumers, delivering responsible access to credit while maintaining a healthy balance sheet. Investors and stakeholders alike appear optimistic about the company’s trajectory following these third-quarter results, which underscore its commitment to fostering financial well-being among its clientele.
For further details, OneMain will host a conference call to discuss the quarter's results and future outlook on October 31, 2025, at 9:00 AM ET. Interested parties can participate either through a live audio webcast on their investor relations website or by dialing into the conference call.
As OneMain Holdings continues to navigate the complexities of the financial landscape, its proactive measures in loan origination and shareholder returns provide a strong indicator of its growth potential and resilience. The company remains dedicated to evolving with market conditions, promising a responsive approach to both customer needs and investor expectations as it moves toward the future.
In terms of financial health, OneMain's managed receivables reached an impressive $25.9 billion, reflecting a 6% rise from $24.3 billion a year ago. This increase is attributed to steady growth in consumer loan originations, which totaled $3.9 billion in the third quarter, up from $3.7 billion year-over-year.
Additionally, OneMain's total revenue rose to $1.6 billion, a 9% increase from the previous year’s $1.5 billion. Much of this growth can be traced back to a boost in interest income, which reached $1.4 billion, also up 9% from the prior quarter.
The company also announced a 1% hike in its quarterly dividend, raising it to $1.05 per share, with the payout scheduled for November 14, 2025. This decision aligns with OneMain's commitment to delivering value to its shareholders.
In efforts to enhance shareholder value, OneMain has approved a $1.0 billion share repurchase program set to expire on December 31, 2028, which is a continuation of a proactive financial strategy. To date, approximately 540,000 shares have been repurchased for $32 million.
CEO Doug Shulman remarked on the results, highlighting the company's focus on innovation and execution, which positions OneMain favorably for ongoing revenue growth and positive credit trends. He emphasized the company's ability to adapt amidst challenges, reinforcing a commitment to customer service and credit accessibility for nonprime consumers.
On the risk management front, the provision for finance receivable losses stood at $488 million, a decrease of $24 million from the same period last year. The delinquency ratios revealed slight improvements in credit quality, with both the 30+ days and 90+ days delinquency ratios at 5.55% and 2.35%, respectively, demonstrating effective credit management strategies in place.
OneMain's financial results reflect a thriving business model that caters to its target demographic of nonprime consumers, delivering responsible access to credit while maintaining a healthy balance sheet. Investors and stakeholders alike appear optimistic about the company’s trajectory following these third-quarter results, which underscore its commitment to fostering financial well-being among its clientele.
For further details, OneMain will host a conference call to discuss the quarter's results and future outlook on October 31, 2025, at 9:00 AM ET. Interested parties can participate either through a live audio webcast on their investor relations website or by dialing into the conference call.
As OneMain Holdings continues to navigate the complexities of the financial landscape, its proactive measures in loan origination and shareholder returns provide a strong indicator of its growth potential and resilience. The company remains dedicated to evolving with market conditions, promising a responsive approach to both customer needs and investor expectations as it moves toward the future.
Topics Financial Services & Investing）
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