OMF · OneMain Holdings, Inc.
Price & Indicators
Up next
Metrics snapshot
Useful current figures from the complete screener profile.
AI Brief
Q2 FY26 earnings call · Jul 29, 2026TL;DR. OneMain reported 2Q26 results with 10% originations growth, 7% managed receivables growth to $26.9B, and continued improvement in early-stage delinquencies, while reiterating full-year guidance for managed receivables growth (6-9%), C&I net charge-offs (7.4-7.9%), and OPEX ratio (~6.6%). EPS declined year-over-year to $1.32 GAAP / $1.31 adjusted from $1.40 / $1.45, as higher loss provisions from receivables growth pressured earnings, with management expecting losses to improve significantly in 2H26.
- + Managed receivables grew 7% YoY to $26.9B with 10% YoY originations growth
- + Early-stage delinquency trends improved, with 30-89 delinquency down 7 bps YoY and 28 bps YTD
- + Capital generation grew 3% YoY to $229M despite higher loss provisions
- + Credit card business delivered strong growth with 44% YoY account growth, improving profitability
- − GAAP EPS declined to $1.32 from $1.40 YoY due to higher loss provisions from receivables growth
- − Adjusted EPS declined to $1.31 from $1.45 YoY
- − C&I net charge-offs rose 63 bps YoY to 8.2%, with consumer loan NCOs up 58 bps to 7.8%
- − Provision expense rose to $610M from $511M YoY with $104M reserve build
- − Back book (pre-Aug 2022 originations) continues as disproportionate delinquency headwind at 12% of 30+ delinquencies despite being only 4% of portfolio
- − Reserve ratio expected to rise to ~11.7% in 2H26 due to credit card mix, putting pressure on the ratio
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders SellIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
OMF
this stock
OneMain Holdings, Inc.
|
$6.63B | -18.0% | — | 8.6 | 3.5% |
|
V
Visa Inc.
|
$655.56B | +2.5% | -4.9% | — | 1.0% |
|
MA
Mastercard Inc
|
$497.27B | -3.4% | +16.4% | 31.2 | 0.8% |
|
AXP
American Express Co
|
$206.24B | -17.8% | +13.4% | 18.5 | 1.6% |
|
COF
Capital One Financial Corp
|
$119.78B | -20.3% | +36.6% | 11.7 | 1.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| OMF | -3.3% | -9.4% | -2.2% | -11.3% | -18.0% |
| SPY | -0.7% | +0.1% | +12.2% | -0.6% | +11.8% |
| vs SPY | -2.6% | -9.5% | -14.4% | -10.7% | -29.8% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.