OneMain Holdings, Inc. (OMF) Stock Analysis
Financial Services · Credit Services · NYSE
OneMain Holdings, Inc. (OMF) posted $4.97B in revenue for fiscal 2025 (up 9.5% year over year), at a 15.8% net margin, per its SEC filings.
Data last refreshed August 2, 2026 from SEC filings · how we compute this
The analyst's take on OneMain Holdings, Inc.
OneMain Holdings, Inc. has grown revenue from $0 to $4.97B over the last 10 fiscal years. The most recent year was up 9.5%.
Net margin sits at 15.8%, up 4.6 points year over year. It carries about $22.69B of total debt.
The one thing worth a second look in the filings is heavy debt load.
Synthesised from OneMain Holdings, Inc.'s SEC filings — descriptive, not advice. Ask the analyst your own question →
OneMain Holdings, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $4.20B | $4.28B | $4.54B | $4.97B |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $215.00M | $183.00M | $447.00M | $855.00M | $730.00M | $1.31B | $872.00M | $641.00M | $509.00M | $783.00M |
| Net margin | — | — | — | — | — | — | 20.8% | 15.0% | 11.2% | 15.8% |
Source: OneMain Holdings, Inc. SEC filings (10-K). 15 years of history available in the interactive view.
OneMain Holdings, Inc.: 2 potential red flags in the filings
Patterns in the filed statements worth a second look — computed and cited, not AI guesswork, and not a signal to sell. The kind of thing that hides in a 10-K.
- Heavy debt loadTotal debt of $22695M is 7.2× last year's operating cash flow — it would take years of cash flow to clear.
- Net margin shrinkingNet margin fell from 20.8% to 15.8% over ~3 years — profitability is compressing.
Explore 15 years of OneMain Holdings, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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OneMain Holdings, Inc. financial history by metric
About OneMain Holdings, Inc.
OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses in the United States. The company provides origination, underwriting, and servicing of consumer loans, consisting of personal loans and auto finance. It also offers secured auto financing; credit cards; optional credit insurance products, including life, disability, and involuntary unemployment insurance; optional non-credit insurance; guaranteed asset protection coverage as a waiver product or insurance; and membership plans. The company provides personal loans through its branch network, central operations, digital affiliates, and its website. The company was formerly known as Springleaf Holdings, Inc. and changed its name to OneMain Holdings, Inc. in November 2015. OneMain Holdings, Inc. was incorporated in 2013 and is based in Evansville, Indiana. OneMain Holdings, Inc. operates as a subsidiary of Omh (Ml), L.P.
OneMain Holdings, Inc. — frequently asked questions
What is OneMain Holdings, Inc.'s revenue?
OneMain Holdings, Inc. (OMF) reported revenue of $4.97B for fiscal year 2025, up 9.5% from the prior year, according to its SEC filings.
Is OneMain Holdings, Inc. profitable?
Yes. OMF earned net income of $783.00M in fiscal 2025, a net margin of 15.8%.
What is OMF's P/E ratio?
OneMain Holdings, Inc. trades at a price-to-earnings ratio of about 8.1 based on the latest data in our nightly-refreshed cache.
How much debt does OneMain Holdings, Inc. have?
As of fiscal year 2025, OMF carried roughly $22.69B in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is OneMain Holdings, Inc.'s market cap?
OneMain Holdings, Inc. (OMF) has a market capitalization of about $6.29B, based on the latest data in our nightly-refreshed cache.
When does OneMain Holdings, Inc.'s fiscal year end?
OMF's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
Where does this data come from?
All figures are computed from OneMain Holdings, Inc.'s official SEC filings (10-K and 10-Q), covering 15 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.