Jun 2026 (Q2 FY26) — Jul 29, 2026
OneMain Holdings, Inc. Q2 FY26 — Strong Receivables Growth and Improving Credit Trends
Read the full callOneMain Holdings (OMF) earnings
- Mar 2026
- Jun 2026 (Q2 FY26)
- Dec 2025
OneMain Holdings earnings: last reported Wed, 29 Jul 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | Quarterly, as filed | Quarter to Mar 2026 | Not in the filed figures for the quarter to mar 2026. No older figure is substituted. | ||
| Operating margin | Operating profit / revenue | Quarter to Mar 2026 | Not in the filed figures for the quarter to mar 2026. No older figure is substituted. | ||
| Net profit | 226 | +6.1% YoY | Quarterly, as filed | Quarter to Mar 2026 | Profit after tax as filed. |
Price
$55.79 +2.10% · +$1.15
Performance −0.1% 1Y
1Y: $55.82 on 14 Oct 2025 → $55.79. High $71.37 (6 Jan 2026), low $49.26 (16 Mar 2026).
- Previous close
- $54.64
- 52-week range
- $49.26 – $71.37
- One year
- +1.29%
Overview
- Symbol
- OMF
- Exchange
- US
- Currency
- USD
Call summaries
Mar 2026 (Q1 FY26) — May 1, 2026
OneMain Holdings Q1 FY26 — Strong Capital Generation and Diversified Growth
Read the full callEvery analysed call
OneMain Holdings earnings calls (OMF)
Financials
What the filings say
Net profit, year on year: +6% (quarter to mar 2026 against mar 2025).
| Line item | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Profit before tax | 92 | 207 | 164 | 275 | 214 | 263 | 249 | 296 |
| Tax rate | 22.8% | 24.1% | 23.2% | 22.6% | 22.0% | 24.3% | 18.1% | 23.6% |
| Net profit | 71 | 157 | 126 | 213 | 167 | 199 | 204 | 226 |
| EPS ($ per share) | 0.59 | 1.32 | — | 1.79 | 1.40 | 1.67 | — | 1.93 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 1 | 1 | 1 | 1 | — | — | — | — |
| Reserves | 2,151 | 2,596 | 1,691 | 1,727 | 2,119 | 2,285 | 2,296 | 2,579 |
| Total liabilities | 16,291 | 18,487 | 19,030 | 18,986 | 19,522 | 21,108 | 22,719 | 23,987 |
| Fixed assets | 133 | — | — | — | — | — | — | — |
| Total assets | 20,090 | 22,817 | 22,471 | 22,095 | 22,537 | 24,294 | 25,910 | 27,388 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 2,046 | 2,362 | 2,212 | 2,247 | 2,387 | 2,519 | 2,699 | 3,132 |
| Cash from investing | -2,397 | -3,429 | -751 | -2,143 | -2,119 | -2,862 | -3,266 | -3,161 |
| Cash from financing | 44 | 1,521 | -370 | -1,810 | -326 | 932 | 161 | 500 |
| Net cash flow | -307 | 454 | 1,091 | -1,706 | -58 | 589 | -406 | 471 |
OMF operating KPIs by quarter
| KPI | Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | Change vs prior quarter |
|---|---|---|---|
| Active accounts Credit card | <1.2MWe delivered strong results for the quarter, with receivables increasing 45% year-over-year to just under $1 billion, and customer accounts are up 40% year-over-year to nearly 1.2 million.Source: earnings call transcript | 1.3MCustomer accounts increased to 1.3 million, up 155,000 from last quarter and more than 400,000 from a year ago.Source: earnings call transcript | — |
| Originations | $3.1BFirst quarter originations of $3.1 billion increased 3% compared to the first quarter of last year, and we see opportunities to continue our growth across our products.Source: earnings call transcript | $4.3BSecond quarter originations of $4.3 billion increased 10% compared to the second quarter of last year.Source: earnings call transcript | +38.7% |
| Consumer loan yield | 22.5%Our first quarter consumer loan yield was 22.5%, up 13 basis points year-over-year.Source: earnings call transcript | 22.7%Our second quarter consumer loan yield was 22.7%, up 16 basis points from last quarter and 11 basis points year-on-year, even as our lower loss, lower-yield auto book continued to grow as a percentage of our consumer loan portfolio.Source: earnings call transcript | +0.2 pt |
| 30 to 89-day delinquency ratio Excluding Foursight | 2.62%30 to 89-day delinquency on March 31, excluding Foursight, was 2.62%, down 1 basis point compared to a year ago.Source: earnings call transcript | 2.82%30 to 89 delinquency on June 30, excluding Foresight, was 2.82%, down 7 basis points compared to a year ago, improving on the trend we saw last quarter.Source: earnings call transcript | +0.2 pt |
| Net charge-off ratio Consumer loan | 8%Consumer loan net charge-offs, which exclude credit cards were 8.0% of average net receivables in the first quarter, up 19 basis points from a year ago and in line with our expectations.Source: earnings call transcript | 7.8%C&I net charge-offs were 8.2% and consumer loan net charge-offs were 7.8%, both in line with our expectations, and we continue to have strong recoveries in the quarter.Source: earnings call transcript | -0.2 pt |
| Net charge-off ratio Credit card | 18%With that in mind, we are seeing improvement in our credit card net charge-offs, which declined 176 basis points year-over-year to 18% in the quarter.Source: earnings call transcript | 17.7%Credit card net charge-offs declined 186 basis points year-on-year to 17.7%.Source: earnings call transcript | -0.3 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Insider filings
43 filings between Nov 3, 2025 and Aug 4, 2026.
Open market
decisions to buy or sellPurchases
None
No insider bought shares.
Sales
$7.86M
12 sales by 3 insiders
83% filed under a 10b5-1 plan — scheduled in advance, not decided on the day
Compensation
not trading decisions- 14
- Award — granted as compensation
- 17
- Tax withheld — shares kept back by the company to cover tax
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Shulman Douglas H. | — | $6.02M | Jan 2, 2026 |
| Conrad Micah R. | — | $1.52M | Aug 4, 2026 |
| Hedlund Michael A | — | $315.0K | Jul 29, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Aug 4, 2026 | Conrad Micah R. EVP & COO | Sale | 5,000 | $327.0K |
| Jul 29, 2026 | Hedlund Michael A pao, SVP and Group Controller | Sale 10b5-1 plan | 2,500 | $160.0K |
| Jun 29, 2026 | Hedlund Michael A pao, SVP and Group Controller | Sale 10b5-1 plan | 1,848 | $114.6K |
| Jun 29, 2026 | Conrad Micah R. EVP & COO | Sale 10b5-1 plan | 5,000 | $310.0K |
| Apr 17, 2026 | Conrad Micah R. EVP & COO | Sale 10b5-1 plan | 5,000 | $300.0K |
| Feb 26, 2026 | Conrad Micah R. EVP & COO | Sale 10b5-1 plan | 5,000 | $290.0K |
| Feb 20, 2026 | Hedlund Michael A pao, SVP and Group Controller | Tax withheld | 387 | $22.3K |
| Feb 20, 2026 | Hedlund Michael A pao, SVP and Group Controller | Tax withheld | 383 | $22.0K |
| Feb 20, 2026 | Hedlund Michael A pao, SVP and Group Controller | Tax withheld | 1,040 | $59.8K |
| Feb 20, 2026 | Hedlund Michael A pao, SVP and Group Controller | Tax withheld | 875 | $50.3K |
| Feb 20, 2026 | Hedlund Michael A pao, SVP and Group Controller | Tax withheld | 438 | $25.2K |
| Feb 20, 2026 | Shulman Douglas H. President & CEO | Tax withheld | 17,163 | $987.4K |
| Feb 20, 2026 | Shulman Douglas H. President & CEO | Tax withheld | 11,270 | $648.4K |
| Feb 20, 2026 | Shulman Douglas H. President & CEO | Tax withheld | 11,430 | $657.6K |
| Feb 20, 2026 | Conrad Micah R. EVP & COO | Tax withheld | 4,461 | $256.6K |
| Feb 20, 2026 | Conrad Micah R. EVP & COO | Tax withheld | 2,648 | $152.3K |
| Feb 20, 2026 | Conrad Micah R. EVP & COO | Tax withheld | 3,458 | $198.9K |
| Feb 20, 2026 | Osterhout Jeannette E EVP & CFO | Tax withheld | 4,049 | $232.9K |
| Feb 20, 2026 | Osterhout Jeannette E EVP & CFO | Tax withheld | 2,869 | $165.1K |
| Feb 20, 2026 | Osterhout Jeannette E EVP & CFO | Tax withheld | 3,944 | $226.9K |
| Feb 11, 2026 | SMITH RICHARD A Director | Award | 3,243 | $0 |
| Feb 11, 2026 | GUTHRIE ROY A Director | Award | 3,243 | $0 |
| Feb 11, 2026 | MACDONALD ANDREW D Director | Award | 3,243 | $0 |
| Feb 11, 2026 | CALDWELL PHYLLIS R Director | Award | 3,243 | $0 |
| Feb 11, 2026 | Halmy Christopher A Director | Award | 3,243 | $0 |
| Feb 11, 2026 | Hedlund Michael A pao, SVP and Group Controller | Award | 2,919 | $0 |
| Feb 11, 2026 | Daruvala Toos Director | Award | 3,243 | $0 |
| Feb 11, 2026 | Shulman Douglas H. President & CEO | Award | 77,724 | $0 |
| Feb 11, 2026 | Conrad Micah R. EVP & COO | Award | 18,326 | $0 |
| Feb 11, 2026 | Bronner Philip Director | Award | 3,243 | $0 |
| Feb 11, 2026 | Osterhout Jeannette E EVP & CFO | Award | 24,326 | $0 |
| Jan 14, 2026 | Shulman Douglas H. President & CEO | Award | 111,727 | $0 |
| Jan 14, 2026 | Shulman Douglas H. President & CEO | Tax withheld | 68,521 | $4.55M |
| Jan 14, 2026 | Conrad Micah R. EVP & COO | Award | 31,454 | $0 |
| Jan 14, 2026 | Conrad Micah R. EVP & COO | Tax withheld | 16,184 | $1.07M |
| Jan 14, 2026 | Osterhout Jeannette E EVP & CFO | Award | 26,356 | $0 |
| Jan 14, 2026 | Osterhout Jeannette E EVP & CFO | Tax withheld | 14,702 | $975.8K |
| Jan 2, 2026 | Shulman Douglas H. President & CEO | Sale 10b5-1 plan | 15,000 | $1.03M |
| Jan 2, 2026 | Shulman Douglas H. President & CEO | Sale 10b5-1 plan | 22,500 | $1.54M |
| Jan 2, 2026 | Shulman Douglas H. President & CEO | Sale 10b5-1 plan | 20,000 | $1.37M |
| Nov 26, 2025 | Hedlund Michael A pao, SVP and Group Controller | Sale 10b5-1 plan | 652 | $40.4K |
| Nov 7, 2025 | Conrad Micah R. EVP & COO | Sale | 5,000 | $296.0K |
| Nov 3, 2025 | Shulman Douglas H. President & CEO | Sale 10b5-1 plan | 35,000 | $2.08M |
| Sep 5, 2025 | Shulman Douglas H. President & CEO | Gift | 8,500 | $0 |
| Sep 5, 2025 | Conrad Micah R. EVP & COO | Tax withheld | 4,786 | $299.7K |
| Aug 20, 2025 | Osterhout Jeannette E EVP & CFO | Tax withheld | 6,913 | $402.5K |
| Jul 29, 2025 | Shulman Douglas H. President & CEO | Sale | 35,000 | $2.08M |
| Jul 16, 2025 | Shulman Douglas H. President & CEO | Tax withheld | 13,825 | $791.3K |
| Jul 3, 2025 | Conrad Micah R. EVP & COO | Sale 10b5-1 plan | 3,000 | $180.0K |
| Jul 1, 2025 | Conrad Micah R. EVP & COO | Sale 10b5-1 plan | 4,000 | $232.1K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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