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NEW YORK, July 8, 2026 /PRNewswire/ -- OneMain Holdings, Inc. (NYSE: OMF), the leader in offering nonprime consumers responsible access to credit, plans to report its second quarter 2026 results before the market opens on Wednesday, July 29, 2026. The earnings release will be available on OneMain's investor relations website at http://investor.onemainfinancial.com. A conference call to discuss the company's results, outlook and related matters will be held that morning at 9:00 a.m. Eastern. The general public is invited to listen to the call by dialing 877-407-0792 (U.S. domestic) or 201-689-8263 (international), and using conference ID 13761044, or via a live audio webcast through our investor relations website. For those unable to listen to the live broadcast, a replay will be available on our website after the event. About OneMain Holdings, Inc. OneMain Financial (NYSE: OMF) is the leader in offering nonprime consumers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. We empower our customers to solve today's problems and reach a better financial future through personalized solutions across 48 states, available online and in more than 1,300 locations. OneMain is committed to making a positive impact on the people and the communities we serve. For additional information, please visit www.OneMainFinancial.com. ContactsInvestor Contact:Peter R Poillon, [email protected] View original content to download multimedia:https://www.prnewswire.com/news-releases/onemain-holdings-announces-date-of-second-quarter-2026-earnings-release-and-conference-call-302820039.html

The end of the earnings season is always a good time to take a step back and see who shined (and who didn’t). Let’s take a look at how personal loan stocks fared in Q1, starting with OneMain (NYSE:OMF). Personal loan providers offer unsecured credit for various consumer needs. The sector benefits from digital application processes, increasing consumer comfort with online financial services, and opportunities in underserved credit segments. Headwinds include credit risk management in unsecured lending, regulatory oversight of lending practices, and intense competition affecting margins from both traditional and fintech lenders. The 9 personal loan stocks we track reported a strong Q1. As a group, revenues beat analysts’ consensus estimates by 7% while next quarter’s revenue guidance was 0.7% above. Luckily, personal loan stocks have performed well with share prices up 24% on average since the latest earnings results. Dating back to 1912 and formerly known as Springleaf, OneMain Holdings (NYSE:OMF) provides personal loans, auto financing, and credit cards to nonprime consumers who have limited access to traditional banking services. OneMain reported revenues of $1.26 billion, up 6.6% year on year. This print was in line with analysts’ expectations, but overall, it was a mixed quarter for the company with a beat of analysts’ EPS estimates. "We delivered a very good start to 2026, executing on our growth initiatives while maintaining our disciplined credit approach and balance sheet management," said Doug Shulman, Chairman and CEO of OneMain. OneMain delivered the slowest revenue growth of the whole group. Interestingly, the stock is up 5.2% since reporting and currently trades at $61.85. Is now the time to buy OneMain? Access our full analysis of the earnings results here, it’s free. Founded in 2016 as an alternative to traditional credit cards for younger shoppers, Sezzle (NASDAQ:SEZL) provides a payment platform that allows consumers to split purchases into four interest-free installments over six weeks at participating retailers. Sezzle reported revenues of $135.5 million, up 29.2% year on year, outperforming analysts’ expectations by 5.3%. The business had a stunning quarter with full-year EPS guidance exceeding analysts’ expectations and an impressive beat of analysts’ EBITDA estimates. The market seems happy with the results as the stock is up 96.9% since...

Over the last six months, OneMain’s shares have sunk to $61.85, producing a disappointing 9% loss - a stark contrast to the S&P 500’s 6.1% gain. This might have investors contemplating their next move. Is now the time to buy OneMain, or should you be careful about including it in your portfolio? Check out our in-depth research report to see what our analysts have to say, it’s free. Despite the more favorable entry price, we’re cautious about OneMain. Here are three reasons you should be careful with OMF, plus one stock we’d rather own. A company’s long-term sales performance is one signal of its overall quality. Any business can put up a good quarter or two, but the best consistently grow over the long haul. Over the last five years, OneMain grew its revenue at a tepid 5.3% compounded annual growth rate. This was below our standard for the financials sector. We track the long-term change in earnings per share (EPS) because it highlights whether a company’s growth is profitable. Sadly for OneMain, its EPS declined by 5.5% annually over the last five years while its revenue grew by 5.3%. This tells us the company became less profitable on a per-share basis as it expanded. OneMain reported $1.56 billion of cash and $22.4 billion of debt on its balance sheet in the most recent quarter. As investors in high-quality companies, we primarily focus on whether a company’s profits can support its debt. With $1.40 billion of EBITDA over the last 12 months, we view OneMain’s 14.9× net-debt-to-EBITDA ratio as inadequate. The company’s lacking profits relative to its borrowings give it little breathing room, raising red flags. OneMain isn’t a terrible business, but it isn’t one of our picks. After the recent drawdown, the stock trades at 7.9× forward P/E (or $61.85 per share). While this valuation is optically cheap, the potential downside is big given its shaky fundamentals. We’re pretty confident there are superior stocks to buy right now. We’d suggest looking at one of our top software and edge computing picks. ONE MORE THING: Top 6 Stocks for This Week. This market is separating quality stocks from expensive ones fast. AI is taking down whole sectors with no warning. In a rotation this fast, you need more than a list of good companies. Our AI system flagged Palantir before it ran 1,662%. AppLovin before it ran 753%. Nvidia before it ran 1,178%. Each week it produces 6...

OneMain’s first quarter results were shaped by ongoing growth in its personal loans, auto finance, and credit card businesses, with management emphasizing disciplined underwriting and conservative credit practices in a still-uncertain environment. CEO Douglas Shulman highlighted customer resilience, noting, “Our customers remain resilient, and we are confident in our ability to execute our 2026 financial plan as we operate from a position of strength.” Receivables growth was supported by focused loan origination strategies, expanding partnerships, and increased adoption of digital tools, while credit performance tracked in line with company expectations. Is now the time to buy OMF? Find out in our full research report (it’s free). Revenue: $1.26 billion vs analyst estimates of $1.26 billion (6.6% year-on-year growth, in line) Adjusted EPS: $1.95 vs analyst estimates of $1.86 (4.9% beat) Adjusted EBITDA: $384 million (30.5% margin, 6.7% year-on-year growth) Operating Margin: 23.7%, in line with the same quarter last year Market Capitalization: $6.43 billion While we enjoy listening to the management's commentary, our favorite part of earnings calls are the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention. John Douglas Hecht (Jefferies): Asked about updates on the bank application process; CEO Douglas Shulman reiterated optimism but noted timing remains uncertain, with ongoing regulator discussions. Moshe Ari Orenbuch (TD Cowen): Inquired about back-book delinquencies and credit card profitability; CFO Jeannette Osterhout explained that older loans are still underperforming but should improve as they roll off, while the card business is now scaling profitably. Aaron Cyganovich (Truist): Queried whether competitive dynamics or consumer health are holding back personal loan growth; Shulman said loan originations are based on strict profitability thresholds and that consumer resilience remains strong, with no signs of distress from rising oil prices. Mihir Bhatia (Bank of America): Questioned the drivers behind higher charge-offs and recoveries; Osterhout pointed to normalization in roll rates and improved internal recovery efforts, expecting stable trends ahead. John Pancari (Evercore ISI): Asked for an update on the Sta...

OneMain Holdings’ OMF first-quarter 2026 adjusted earnings of $1.95 per share in the consumer and insurance (C&I) segment surpassed the Zacks Consensus Estimate of $1.92. Moreover, the bottom line increased 13.4% from the year-ago quarter. Results were primarily driven by an increase in net interest income (NII) and other revenues. However, higher total other expenses and provisions hurt the results to an extent. A sequential decline in net finance receivables was another negative for the company. Probably, because of these, shares of the company lost 3.7% following the earnings release. After considering non-recurring items, net income (on a GAAP basis) was $226 million, up 6.1% from the prior-year quarter. NII rose 6.9% from the prior-year quarter to $1.07 billion. Total other revenues were $197 million, up 4.8% from the prior-year quarter. The rise was driven by an increase in insurance fees and other income. Total other expenses rose 10.6% year over year to $501 million on account of higher operating expenses and an increase in costs related to insurance policy benefits and claims. The provision for finance receivable losses was $465 million, up 2% from the prior-year quarter. In the reported quarter, OneMain Holdings recorded net charge-offs of $511 million, up 8% from the prior-year quarter. The company reported 30-89-day delinquencies of $666 million, up 5.7% from the prior-year quarter. The allowance ratio of 11.53% was up from 11.52% in the prior-year quarter. As of March 31, 2026, net finance receivables amounted to $24.4 billion, down 1.6% from the prior-quarter end. Long-term debt declined 1.3% from the prior-quarter end to $22.4 billion. In the reported quarter, the company repurchased 1.9 million shares of common stock for $105 million. Rising expenses due to higher compensation and other operating expenses are expected to continue to hamper OneMain Holdings’ profitability. Weakening asset quality remains another major near-term headwind. Nevertheless, the company’s efforts to grow credit card and auto finance loans alongside acquisitions are expected to support its financials. OneMain Holdings, Inc. price-consensus-eps-surprise-chart | OneMain Holdings, Inc. Quote Currently, OneMain Holdings carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here. Ally Financial’s ALLY first-quarter 2026...

OneMain posted a strong start to 2026 with GAAP EPS of $1.93, managed receivables of $26.1 billion (up 6% YoY), total revenue up 6%, and $194 million of capital generation in the quarter. Credit metrics were broadly stable: 30–89 day delinquency was 2.62% (down 1 bp YoY, with a 48 bp sequential improvement), C&I net charge-offs were seasonally elevated at 8.4%, and management reiterated full‑year C&I net charge‑off guidance of 7.4%–7.9%. The company is scaling new businesses and capital actions — credit card receivables rose ~45% to just under $1 billion and the card business is now profitable, funding was strengthened via an $850 million ABS issuance, net leverage was 5.4x, and management favors incremental capital returns through share repurchases alongside a $4.20 annual dividend. Interested in OneMain Holdings, Inc.? Here are five stocks we like better. Get Paid While You Wait - OneMain's Juicy Dividends OneMain (NYSE:OMF) reported what management described as a strong start to 2026, with first-quarter results that company leaders said were in line with expectations as receivables and revenue rose and credit metrics remained stable. Chairman and CEO Doug Shulman told investors the company was “quite pleased with the financial results of the quarter,” adding that OneMain’s customers “remain resilient” and that the company is confident in its ability to execute its 2026 financial objectives while maintaining “a conservative underwriting posture.” Shulman said capital generation totaled $194 million during the quarter. CFO Jenny Osterhout reported GAAP net income per diluted share of $1.93, up from $1.78 in the first quarter of 2025, while C&I adjusted net income per diluted share was $1.95, up from $1.72 a year earlier. → Meta Posted Its Best Sales Growth Since 2021—So Why Did Shares Fall? 3 Still-Young Stocks Among 2021's Price Leaders Managed receivables ended the quarter at $26.1 billion, up $1.5 billion, or 6%, year-over-year. Osterhout said originations were $3.1 billion, a 3% increase from the prior-year quarter. Total revenue was $1.6 billion, up 6% compared to the first quarter of 2025, with interest income of $1.4 billion also up 6% on receivables growth and yield improvements. Other revenue of $198 million increased 4%, which Osterhout attributed primarily to higher servicing fees on a growing third-party serviced portfolio and higher credit card...

This article first appeared on GuruFocus. Capital Generation: $194 million in the quarter. C&I Adjusted Earnings: $1.95 per share, up 13% year-over-year. Total Revenue Growth: 6% year-over-year. Receivables Growth: 6% year-over-year, ending at $26.1 billion. Auto Finance Receivables: Grew 14% year-over-year to $2.8 billion. Credit Card Receivables: Increased 45% year-over-year to just under $1 billion. Net Charge-Offs: C&I net charge-offs at 8.4%; Consumer loan net charge-offs at 8%. Interest Income: $1.4 billion, up 6% from the previous year. Interest Expense: $322 million, up 4% year-over-year. Operating Expenses: $437 million, up 9% year-over-year. GAAP Net Income per Diluted Share: $1.93, up 8% from the previous year. Loan Loss Reserve Ratio: 11.5%, flat year-over-year. Share Repurchases: 1.9 million shares for $105 million in the first quarter. Warning! GuruFocus has detected 4 Warning Sign with OMF. Is OMF fairly valued? Test your thesis with our free DCF calculator. Release Date: May 01, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. OneMain Holdings Inc (NYSE:OMF) reported a strong financial performance for the first quarter of 2026, with capital generation of $194 million and C&I adjusted earnings per share up 13% year-over-year. The company achieved a 6% year-over-year growth in total revenue and receivables, supported by high-quality personal loan originations and contributions from newer businesses like auto finance and credit card. Credit performance was robust, with improvements in delinquency rates and strong recoveries, aligning with expectations. The auto finance business saw a 14% year-over-year growth in receivables, outperforming the broader industry, and the credit card business experienced a 45% increase in receivables. OneMain Holdings Inc (NYSE:OMF) is leveraging AI to enhance operational efficiency, improve customer service, and drive better outcomes in insurance recovery and product development. The back book of loans, representing 5% of the portfolio, continues to contribute disproportionately to delinquencies, posing a challenge to overall credit metrics. Despite improvements, the credit card portfolio still pressures the overall reserve rate due to its higher yield and loss content. Operating expenses increased by 9% year-over-year, driven by investments in growth initiat...

Performance was driven by focused initiatives in high-quality personal loan originations and significant contributions from scaling auto finance and credit card businesses. Management attributes credit stability to a persistent conservative underwriting posture, including a 30% peak loss stress overlay maintained since 2022. Operational efficiency is being enhanced through the deployment of agentic AI for insurance recovery negotiations and internal AI tools to streamline branch productivity. Strategic positioning focuses on shifting the portfolio mix toward lower-risk customers, particularly in the credit card segment where yields and loss trends improved simultaneously. The company is utilizing bank data sharing to offer better loan terms and refine credit models, resulting in improved credit outcomes for participating customers. Management views the branch network as a competitive 'secret sauce' for the nonprime segment, providing personalized advisory services that digital-only competitors lack. Full-year 2026 guidance assumes a relatively steady macroeconomic environment and the company remains confident in its outlook despite recent changes such as higher gas prices. Management expects C&I net charge-offs to decline significantly in the second half of 2026, following the seasonal peak in the first half and the improvement in early delinquencies already observed. The company anticipates share repurchases will adjust to more moderate levels in upcoming quarters as capital is redeployed to support higher seasonal growth. Revenue yield is expected to remain stable throughout the year, as proactive pricing optimizations offset the mix-shift headwind from the lower-yielding auto business. Strategic initiatives in the credit card business are projected to drive the segment toward increased profitability as it scales beyond the $1 billion receivable milestone. The 'back book' remains a headwind, with a contribution to delinquency expected to be approximately two times, or slightly more than two times, what was expected pre-pandemic. Geopolitical tensions and their impact on energy prices are identified as the primary current macro risks, though they have not yet materially impacted portfolio performance. The credit card portfolio adds approximately 40 basis points to the overall reserve rate, a pressure expected to increase slightly as the high-yield, high-los...

For the quarter ended March 2026, OneMain Holdings (OMF) reported revenue of $1.07 billion, up 6.9% over the same period last year. EPS came in at $1.95, compared to $1.72 in the year-ago quarter. The reported revenue represents a surprise of -0.58% over the Zacks Consensus Estimate of $1.07 billion. With the consensus EPS estimate being $1.92, the EPS surprise was +1.75%. While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health. As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately. Here is how OneMain performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Net charge-off ratio (Consumer and Insurance Segment): 8% versus the two-analyst average estimate of 8%. Net Interest Income: $1.07 billion versus $1.07 billion estimated by three analysts on average. Other income: $49 million versus the three-analyst average estimate of $62.39 million. Investment: $23 million versus the three-analyst average estimate of $25.24 million. Net interest income after provision for finance receivable losses: $600 million versus the three-analyst average estimate of $585.65 million. Total other revenues: $197 million compared to the $200.41 million average estimate based on three analysts. Insurance: $112 million compared to the $112.78 million average estimate based on three analysts. View all Key Company Metrics for OneMain here>>> Shares of OneMain have returned +8.7% over the past month versus the Zacks S&P 500 composite's +10.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report OneMain Holdings, Inc. (OMF) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

EVANSVILLE, Ind. (AP) — EVANSVILLE, Ind. (AP) — OneMain Holdings Inc. (OMF) on Friday reported first-quarter profit of $226 million. The Evansville, Indiana-based company said it had profit of $1.93 per share. Earnings, adjusted for non-recurring costs, came to $1.95 per share. The results topped Wall Street expectations. The average estimate of six analysts surveyed by Zacks Investment Research was for earnings of $1.92 per share. The consumer finance company posted revenue of $1.39 billion in the period. Its adjusted revenue was $1.07 billion, meeting Street forecasts. _____ This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on OMF at https://www.zacks.com/ap/OMF

Image source: The Motley Fool. Friday, May 1, 2026 at 9 a.m. ET Chairman and Chief Executive Officer — Douglas H. Shulman Chief Financial Officer — Jeannette E. Osterhout Head of Investor Relations — Peter R. Poillon Need a quote from a Motley Fool analyst? Email [email protected] Operator: Good morning, everyone. Welcome to the OneMain Holdings, Inc. First Quarter 2026 Earnings Conference Call and Webcast. Hosting the call today from OneMain Holdings, Inc. is Peter R. Poillon, Head of Investor Relations. Today's call is being recorded. At this time, all participants have been placed in a listen-only mode. The floor will be opened for your questions following the presentation. If at any point your question has been answered, you may remove yourself from the queue by pressing star 2. We do ask that you please limit yourself to one question and one follow-up. Also, please pick up your handset to allow for optimal sound quality. Lastly, if you require operator assistance today, please press star 0 at any time. It is now my pleasure to turn the floor over to Mr. Peter R. Poillon. Please go ahead, sir. Peter R. Poillon: Good morning, everyone, and thank you for joining us. Let me begin by directing you to Page 2 of the first quarter 2026 investor presentation, which contains important disclosures concerning forward-looking statements and the use of non-GAAP measures. The presentation can be found in the Investor Relations section of the OneMain Holdings, Inc. website. Our discussion today will contain certain forward-looking statements reflecting management's current beliefs about the company's future, financial performance, and business prospects. These forward-looking statements are subject to inherent risks and uncertainties and speak only as of today. Factors that could cause actual results to differ materially from these forward-looking statements are set forth in our earnings press release. We caution you not to place undue reliance on forward-looking statements. If you are listening via replay at some point after today, we remind you that the remarks made herein are as of today, May 1, and have not been updated subsequent to this call. Our call this morning will include formal remarks from Douglas H. Shulman, our Chairman and Chief Executive Officer, and Jeannette E. Osterhout, our Chief Financial Officer. After the conclusion of our formal remarks, we will cond...

1Q 2026 Diluted EPS of $1.93 1Q 2026 C&I adjusted diluted EPS of $1.95 1Q 2026 Managed receivables of $26.1 billion Declared quarterly dividend of $1.05 per share NEW YORK, May 1, 2026 /PRNewswire/ -- OneMain Holdings, Inc. (NYSE: OMF), the leader in offering nonprime consumers responsible access to credit, today reported pretax income of $296 million and net income of $226 million for the first quarter of 2026, compared to $275 million and $213 million, respectively, in the prior year quarter. Earnings per diluted share were $1.93 in the first quarter of 2026, compared to $1.78 in the prior year quarter. On May 1, 2026, OneMain declared a quarterly dividend of $1.05 per share, payable on May 15, 2026, to record holders of the Company's common stock as of the close of business on May 11, 2026. During the quarter, the Company repurchased approximately 1.9 million shares of common stock for $105 million. "We delivered a very good start to 2026, executing on our growth initiatives while maintaining our disciplined credit approach and balance sheet management," said Doug Shulman, Chairman and CEO of OneMain. "As we execute across our core loan business and newer products, we are driving revenue growth with good credit performance, reinforcing our ability to generate sustainable, attractive returns for shareholders." The following segment results are reported on a non-GAAP basis. Refer to the required reconciliations of non-GAAP to comparable GAAP measures at the end of this press release. Consumer and Insurance Segment ("C&I") C&I adjusted pretax income was $305 million and adjusted net income was $229 million for the first quarter of 2026, compared to $275 million and $207 million, respectively, in the prior year quarter. Adjusted earnings per diluted share were $1.95 for the first quarter of 2026, compared to $1.72 in the prior year quarter. Management runs the business based on capital generation, which it defines as C&I adjusted net income excluding the after-tax change in C&I allowance for finance receivable losses while still considering the current period C&I net charge-offs. Capital generation was $194 million for the first quarter of 2026, comparable to the prior year quarter. Managed receivables, which includes loans serviced for our whole loan sale partners and auto finance loans originated by third parties, were $26.1 billion at March 31, 2026, up 6%...