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OneMain Holdings, Inc. Posts Impressive Financial Results for Q4 2025

OneMain Holdings, Inc. (NYSE: OMF), a leader in providing credit to nonprime consumers, recently unveiled its financial performance for the fourth quarter of 2025. The report highlighted a substantial increase in income, indicating the company’s strength in the financial sector.

Financial Highlights

For the fourth quarter of 2025, OneMain reported a pretax income of $249 million, a marked increase compared to $164 million from the same period last year. The net income also soared to $204 million, compared to $126 million recorded in the previous year. The earnings per diluted share reached $1.72, a growth from $1.05 in the same quarter of the previous year.

For the year 2025, the total net income was $783 million, which is a notable jump from $509 million in 2024. This translates to earnings per diluted share of $6.56, compared to $4.24 the prior year, reflecting OneMain's robust performance amid economic challenges.

Dividends and Shareholder Value

On February 5, 2026, OneMain declared a quarterly dividend of $1.05 per share, to be payable on February 23, 2026, for those holding shares at the close of business on February 17, 2026. The company’s commitment to returning value to shareholders is evident in its share repurchase program, where approximately 1.2 million shares were repurchased for $70 million during the quarter.

CEO Doug Shulman expressed enthusiasm over the results, stating, “2025 was a fantastic year marked by outstanding revenue and earnings growth that positions us well for the future.” He attributed the growth to a disciplined approach to credit and sustained investments in innovation while remaining dedicated to customer satisfaction.

Consumer and Insurance Segment Performance

OneMain's Consumer and Insurance (CI) segment also reported impressive figures. The CI adjusted pretax income hit $250 million in Q4, compared to $185 million last year. Adjusted net income for the quarter was $188 million, a significant increase from $139 million year-over-year. The adjusted earnings per diluted share stood at $1.59, up from $1.16 in the previous year.

Full year 2025 performance further underscored the segment's strength, with adjusted net income at $795 million, exceeding $587 million from 2024.

Managed receivables reached $26.3 billion, reflecting a 6% increase year-over-year, fueled by growth in consumer loan originations totaling $3.6 billion, a noteworthy increase from $3.5 billion in Q4 2024.

Total revenue for the fourth quarter was $1.6 billion, an 8% increase compared to $1.5 billion in the prior year, attributed to interest income growth and portfolio yield improvements.

Community Commitment and Future Outlook

OneMain is committed to being a positive force in the communities it serves, focusing on enhancing financial well-being for hardworking Americans through a personalized approach. Looking ahead, the company anticipates continued success driven by its long-term strategies and commitment to shareholder value.

In summary, OneMain Holdings has demonstrated remarkable growth in a challenging market, reinforcing its position as a leader in providing responsible credit solutions to nonprime consumers. With solid financial metrics and a strategic vision for the future, OneMain appears well-positioned for continuing success in 2026 and beyond.