OneMain Holdings, Inc.(OMF)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
OneMain Holdings, Inc. (OMF) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores OMF at 66.4/100 on a 32-signal composite quality model, placing it at rank #420 of 2,960 stocks — the top 25% of the AI-ranked universe. OMF scores in the top quartile across free cash flow (97.7), earnings quality (91.3), profitability (78.7). Based on the latest XBRL financial filings (Q1 2026), OneMain Holdings, Inc. reports quarterly revenue of $1.3B, net income of $226.0M. Top institutional holders of OMF by reported 13-F value include BlackRock, Brave Warrior Advisors, AQR CAPITAL MANAGEMENT, based on the most recent SEC filings. OMF trades on the NYSE exchange and files with the SEC under CIK 1584207. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate OMF daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for OneMain Holdings, Inc. directly from SEC EDGAR.
AI Quality Score
66.4/100
AI Rank
#420
Revenue
$1.3B
Net Income
$226.0M
OMF key financials by period
OneMain Holdings, Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$4.9B
$783.0M
20.4%
FY 2023
10-K
$4.3B
$641.0M
19.6%
FY 2022
10-K
$4.2B
$872.0M
27.7%
FY 2021
10-K
$4.0B
$1.3B
44.0%
FY 2020
10-K
$3.9B
$730.0M
25.3%
FY 2019
10-K
$3.8B
$855.0M
29.1%
Institutions holding OMF
Institutional investors reporting a position in OneMain Holdings, Inc. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-07-30 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Interest income rose 6% to $1,417M, but a 19% jump in loan loss provision to $610M pushed net income down to $152M ($1.32 diluted) from $167M.
Biggest Revenue Drivers
Net interest income$1,091M
Interest income grew on higher average net receivables and yield; interest expense rose 3% on higher average debt supporting receivables growth.
Total other revenues$207M+18% YoY
Lower losses on debt repurchases and repayments, plus credit card revenue from new account growth and servicing revenue on loans serviced for others.
Biggest Revenue Drivers
Total revenue: $1,417M (interest income)+6% YoY
Net interest income$1,091M
Interest income grew on higher average net receivables and yield; interest expense rose 3% on higher average debt supporting receivables growth.
Total other revenues$207M+18% YoY
Lower losses on debt repurchases and repayments, plus credit card revenue from new account growth and servicing revenue on loans serviced for others.
Within Total other revenues
Insurance$112M
Gain on sales of finance receivables$16M
Sold $353 million of gross finance receivables in the quarter under whole loan sale flow agreements.
Largest Expense Items
Provision for finance receivable losses$610M+19% YoY
Higher net charge-offs and growth in receivables.
Interest expense$326M+3% YoY
Increase in average debt to support receivables growth.
Salaries and benefits$243M
Growth in receivables and strategic investments in the business, plus restructuring charges not present in the prior period.
Other operating expenses$205M
Increases in general operating expenses tied to receivables growth and strategic investments.
Margins: Consumer loan yield edged up to 22.75% from 22.70%, but credit costs outpaced it: income before income taxes fell to $196M from $214M and adjusted pretax income to $201M from $231M.
Watch Items from the Filing
Credit deterioration: net charge-off ratio 8.20% versus 7.57% a year ago; gross charge-off ratio 10.10% versus 9.05%.
Credit cards grew to $1,144M of net finance receivables from $752M, with 5.53% 90+ days past due and a 21.55% allowance ratio.
Provision of $610M exceeded $506M of net charge-offs; allowance rose to $2,923M, or 11.62% of net finance receivables.
Consumer loan 30-89 day delinquency ratio improved slightly to 3.02% from 3.04%.
Non-investment-grade ratings (S&P BB, Moody's Ba2, KBRA BB+) against $22.8B long-term debt; $11.6B unencumbered receivables and $1.0B unused corporate revolver.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
