OneMain Holdings, Inc. (OMF) financial statements: income statement, balance sheet and cash flow
OneMain Holdings, Inc.'s income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), OneMain Holdings, Inc. reported net income of $783.0M (+53.8% year on year).
Income statement
OneMain Holdings, Inc. income statement, fiscal years
Line item
Dec 31, 2025 · FY
Dec 31, 2024 · FY
Dec 31, 2023 · FY
Dec 31, 2022 · FY
Interest income
$5.5B
$5.0B
$4.6B
$4.4B
Interest expense
$1.3B
$1.2B
$1.0B
$892.0M
Net interest income
$4.2B
$3.8B
$3.5B
$3.5B
Provision for finance receivable losses
$2.0B
$2.0B
$1.7B
$1.4B
Net interest income after provision for finance receivable losses
$2.2B
$1.8B
$1.8B
$2.1B
Insurance
$445.0M
$445.0M
$448.0M
$445.0M
Investment
$98.0M
$108.0M
$116.0M
$61.0M
Gain on sales of finance receivables
$64.0M
$23.0M
$52.0M
$63.0M
Net gain (loss) on repurchases and repayments of debt
($67.0M)
($34.0M)
$0
—
Other
$180.0M
$153.0M
$119.0M
$87.0M
Total other revenues
$720.0M
$695.0M
$735.0M
$629.0M
Salaries and benefits
$923.0M
$879.0M
$855.0M
$836.0M
Other operating expenses
$784.0M
$728.0M
$675.0M
$621.0M
Insurance policy benefits and claims
$198.0M
$189.0M
$189.0M
$150.0M
Total other expenses
$1.9B
$1.8B
$1.7B
$1.6B
Income before income taxes
$1.0B
$667.0M
$840.0M
$1.2B
Income taxes
$218.0M
$158.0M
$199.0M
$285.0M
Net income
$783.0M
$509.0M
$641.0M
$878.0M
Basic (in shares)
118.7M
119.7M
120.4M
124.2M
Diluted (in shares)
119.3M
120.1M
120.6M
124.4M
Basic (in dollars per share)
$6.59
$4.26
$5.33
$7.07
Diluted (in dollars per share)
$6.56
$4.24
$5.32
$7.06
OneMain Holdings, Inc. income statement, quarters
Line item
Jun 30, 2026 · Q2
Mar 31, 2026 · Q1
Sep 30, 2025 · Q3
Jun 30, 2025 · Q2
Interest income
$1.4B
$1.4B
$1.4B
$1.3B
Interest expense
$326.0M
$322.0M
$320.0M
$317.0M
Net interest income
$1.1B
$1.1B
$1.1B
$1.0B
Provision for finance receivable losses
$610.0M
$465.0M
$488.0M
$511.0M
Net interest income after provision for finance receivable losses
$481.0M
$600.0M
$584.0M
$511.0M
Insurance
$112.0M
$112.0M
$112.0M
$111.0M
Investment
$25.0M
$23.0M
$26.0M
$24.0M
Gain on sales of finance receivables
$16.0M
$16.0M
$17.0M
$17.0M
Net loss on repurchases and repayments of debt
($1.0M)
($3.0M)
($39.0M)
($21.0M)
Other
$55.0M
$49.0M
$47.0M
$45.0M
Total other revenues
$207.0M
$197.0M
$163.0M
$176.0M
Salaries and benefits
$243.0M
$240.0M
$234.0M
$230.0M
Other operating expenses
$205.0M
$209.0M
$202.0M
$189.0M
Insurance policy benefits and claims
$44.0M
$52.0M
$48.0M
$54.0M
Total other expenses
$492.0M
$501.0M
$484.0M
$473.0M
Income before income taxes
$196.0M
$296.0M
$263.0M
$214.0M
Income taxes
$44.0M
$70.0M
$64.0M
$47.0M
Net income
$152.0M
$226.0M
$199.0M
$167.0M
Basic (in shares)
115.3M
116.7M
118.8M
119.0M
Diluted (in shares)
115.8M
117.3M
119.4M
119.4M
Basic (in dollars per share)
$1.32
$1.93
$1.67
$1.40
Diluted (in dollars per share)
$1.32
$1.93
$1.67
$1.40
Balance sheet
OneMain Holdings, Inc. balance sheet, fiscal years
Line item
Dec 31, 2025 · FY
Dec 31, 2024 · FY
Dec 31, 2023 · FY
Dec 31, 2022 · FY
Cash and cash equivalents
$914.0M
$458.0M
$1.0B
$498.0M
Investment securities (includes available-for-sale securities with a fair value and an amortized cost basis of $1.5 billion and $1.6 billion in 2025, respectively, and $1.5 billion and $1.6 billion in 2024, respectively)
$1.6B
$1.6B
$1.7B
$1.8B
Net finance receivables (includes loans of consolidated VIEs of $13.4 billion in 2025 and $14.0 billion in 2024)
$24.8B
$23.6B
$21.3B
$20.0B
Unearned insurance premium and claim reserves
($791.0M)
($766.0M)
($771.0M)
($749.0M)
Allowance for finance receivable losses (includes allowance of consolidated VIEs of $1.6 billion in 2025 and $1.6 billion in 2024)
($2.9B)
($2.7B)
($2.5B)
($2.3B)
Net finance receivables, less unearned insurance premium and claim reserves and allowance for finance receivable losses
$21.2B
$20.1B
$18.1B
$16.9B
Restricted cash and restricted cash equivalents (includes restricted cash and restricted cash equivalents of consolidated VIEs of $690 million in 2025 and $662 million in 2024)
$699.0M
$684.0M
$534.0M
$461.0M
Goodwill
$1.5B
$1.5B
$1.4B
$1.4B
Other intangible assets
$282.0M
$286.0M
$260.0M
$261.0M
Other assets
$1.3B
$1.3B
$1.2B
$1.1B
Total assets
$27.4B
$25.9B
$24.3B
$22.5B
Long-term debt (includes debt of consolidated VIEs of $11.5 billion in 2025 and $12.4 billion in 2024)
$22.7B
$21.4B
$19.8B
$18.3B
Insurance claims and policyholder liabilities
$576.0M
$575.0M
$615.0M
$602.0M
Deferred and accrued taxes
$35.0M
$20.0M
$9.0M
$5.0M
Other liabilities (includes other liabilities of consolidated VIEs of $30 million in 2025 and $31 million in 2024)
$682.0M
$686.0M
$671.0M
$616.0M
Total liabilities
$24.0B
$22.7B
$21.1B
$19.5B
Common stock, par value $0.01 per share; 2,000,000,000 shares authorized, 117,196,792 and 119,360,509 shares issued and outstanding at December 31, 2025 and December 31, 2024, respectively
$1000000.00
$1000000.00
$1000000.00
$1000000.00
Additional paid-in capital
$1.8B
$1.7B
$1.7B
$1.7B
Accumulated other comprehensive loss
($41.0M)
($81.0M)
($87.0M)
($119.0M)
Retained earnings
$2.6B
$2.3B
$2.3B
$2.1B
Treasury stock, at cost; 18,514,904 and 16,060,384 shares at December 31, 2025 and December 31, 2024, respectively
-895.0M
-759.0M
-728.0M
-667.0M
Total shareholders’ equity
$3.4B
$3.2B
$3.2B
$3.0B
Total liabilities and shareholders’ equity
$27.4B
$25.9B
$24.3B
$22.5B
OneMain Holdings, Inc. balance sheet, quarters
Line item
Jun 30, 2026
Mar 31, 2026
Sep 30, 2025
Jun 30, 2025
Cash and cash equivalents
$567.0M
$834.0M
$658.0M
$769.0M
Investment securities (includes available-for-sale securities with a fair value and an amortized cost basis of $1.6 billion and $1.7 billion in 2026, respectively, and $1.5 billion and $1.6 billion in 2025, respectively)
$1.6B
$1.6B
$1.7B
$1.7B
Net finance receivables (includes loans of consolidated VIEs of $14.1 billion in 2026 and $13.4 billion in 2025)
$25.1B
$24.4B
$24.5B
$23.9B
Unearned insurance premium and claim reserves
($792.0M)
($771.0M)
($783.0M)
($764.0M)
Allowance for finance receivable losses (includes allowance of consolidated VIEs of $1.6 billion in 2026 and $1.6 billion in 2025)
($2.9B)
($2.8B)
($2.8B)
($2.8B)
Net finance receivables, less unearned insurance premium and claim reserves and allowance for finance receivable losses
$21.4B
$20.9B
$20.9B
$20.4B
Restricted cash and restricted cash equivalents (includes restricted cash and restricted cash equivalents of consolidated VIEs of $724 million in 2026 and $690 million in 2025)
$738.0M
$728.0M
$748.0M
$742.0M
Goodwill
$1.5B
$1.5B
$1.5B
$1.5B
Other intangible assets
$279.0M
$281.0M
$284.0M
$285.0M
Other assets
$1.3B
$1.2B
$1.3B
$1.3B
Total assets
$27.4B
$27.0B
$27.0B
$26.6B
Long-term debt (includes debt of consolidated VIEs of $12.0 billion in 2026 and $11.5 billion in 2025)
$22.8B
$22.4B
$22.3B
$22.1B
Insurance claims and policyholder liabilities
$552.0M
$566.0M
$578.0M
$579.0M
Deferred and accrued taxes
$16.0M
$55.0M
$42.0M
$18.0M
Other liabilities (includes other liabilities of consolidated VIEs of $31 million in 2026 and $30 million in 2025)
$704.0M
$624.0M
$649.0M
$652.0M
Total liabilities
$24.0B
$23.6B
$23.6B
$23.3B
Common stock, par value $0.01 per share; 2,000,000,000 shares authorized, 115,082,807 and 117,196,792 shares issued and outstanding at June 30, 2026 and December 31, 2025, respectively
$1000000.00
$1000000.00
$1000000.00
$1000000.00
Additional paid-in capital
$1.8B
$1.8B
$1.8B
$1.7B
Accumulated other comprehensive loss
($54.0M)
($53.0M)
($47.0M)
($51.0M)
Retained earnings
$2.7B
$2.7B
$2.5B
$2.4B
Treasury stock, at cost; 20,954,574 and 18,514,904 shares at June 30, 2026 and December 31, 2025, respectively
-1.0B
-1.0B
-826.0M
-794.0M
Total shareholders’ equity
$3.4B
$3.4B
$3.4B
$3.3B
Total liabilities and shareholders’ equity
$27.4B
$27.0B
$27.0B
$26.6B
Cash flow statement
OneMain Holdings, Inc. cash flow statement, fiscal years
Line item
Dec 31, 2025 · FY
Dec 31, 2024 · FY
Dec 31, 2023 · FY
Dec 31, 2022 · FY
Net income
$783.0M
$509.0M
$641.0M
$878.0M
Provision for finance receivable losses
$2.0B
$2.0B
$1.7B
$1.4B
Depreciation and amortization
$287.0M
$277.0M
$257.0M
$262.0M
Deferred income tax charge (benefit)
$43.0M
($42.0M)
($36.0M)
($62.0M)
Net loss on repurchases and repayments of debt
$67.0M
$34.0M
$0
$27.0M
Share-based compensation expense, net of forfeitures
$36.0M
$30.0M
$36.0M
$31.0M
Gain on sales of finance receivables
($64.0M)
($23.0M)
($52.0M)
($63.0M)
Other
($4.0M)
($1.0M)
($4.0M)
$2.0M
Cash flows due to changes in other assets and other liabilities
($13.0M)
($125.0M)
($44.0M)
($90.0M)
Net cash provided by operating activities
$3.1B
$2.7B
$2.5B
$2.4B
Net principal originations and purchases of finance receivables
($4.2B)
($3.8B)
($3.6B)
($2.8B)
Proceeds from sales of finance receivables
$1.1B
$574.0M
$641.0M
$790.0M
Foursight Acquisition, net of cash acquired
$0
($64.0M)
—
—
Available-for-sale securities purchased
($321.0M)
($272.0M)
($179.0M)
($530.0M)
Available-for-sale securities called, sold, and matured
$393.0M
$373.0M
$323.0M
$463.0M
Other securities purchased
($9.0M)
($12.0M)
($5.0M)
($6.0M)
Other securities called, sold, and matured
$22.0M
$19.0M
$6.0M
$14.0M
Other, net
($97.0M)
($78.0M)
($91.0M)
($75.0M)
Net cash used for investing activities
($3.2B)
($3.3B)
($2.9B)
($2.1B)
Proceeds from issuance and borrowings of long-term debt, net of issuance costs
$8.0B
$4.4B
$4.8B
$5.6B
Repayments and repurchases of long-term debt
($6.8B)
($3.7B)
($3.3B)
($5.1B)
Cash dividends
($499.0M)
($498.0M)
($487.0M)
($480.0M)
Common stock repurchased
($141.0M)
($35.0M)
($65.0M)
($303.0M)
Treasury stock issued
$5.0M
$4.0M
$3.0M
$2.0M
Withholding tax on share-based compensation
($13.0M)
($11.0M)
($10.0M)
($14.0M)
Net cash provided by financing activities
$500.0M
$161.0M
$932.0M
($326.0M)
Net change in cash and cash equivalents and restricted cash and restricted cash equivalents
$471.0M
($406.0M)
$589.0M
($58.0M)
Cash and cash equivalents and restricted cash and restricted cash equivalents at beginning of period
$1.1B
$1.5B
$959.0M
$1.0B
Cash and cash equivalents and restricted cash and restricted cash equivalents at end of period
$1.6B
$1.1B
$1.5B
$959.0M
Cash and cash equivalents
$914.0M
$458.0M
$1.0B
$498.0M
Restricted cash and restricted cash equivalents
$699.0M
$684.0M
$534.0M
$461.0M
Total cash and cash equivalents and restricted cash and restricted cash equivalents
$1.6B
$1.1B
$1.5B
$959.0M
Interest paid
($1.2B)
($1.1B)
($968.0M)
($857.0M)
Federal
($96.0M)
—
—
—
State and local
($26.0M)
—
—
—
Foreign
($5.0M)
—
—
—
Income taxes paid
($127.0M)
($219.0M)
($215.0M)
($343.0M)
Cash paid for amounts included in the measurement of operating lease liabilities
($60.0M)
($58.0M)
($59.0M)
($58.0M)
Right-of-use assets obtained in exchange for operating lease obligations
$22.0M
$47.0M
$67.0M
$66.0M
OneMain Holdings, Inc. cash flow statement, quarters
Line item
Jun 30, 2026 · YTD
Mar 31, 2026 · Q1
Sep 30, 2025 · YTD
Jun 30, 2025 · YTD
Net income
$378.0M
$226.0M
$579.0M
$380.0M
Provision for finance receivable losses
$1.1B
$465.0M
$1.5B
$967.0M
Depreciation and amortization
$150.0M
$74.0M
$214.0M
$142.0M
Deferred income tax charge (benefit)
$7.0M
$29.0M
$10.0M
($5.0M)
Net loss on repurchases and repayments of debt
$4.0M
$3.0M
$65.0M
$26.0M
Share-based compensation expense, net of forfeitures
$20.0M
$11.0M
$28.0M
$21.0M
Gain on sales of finance receivables
($32.0M)
($16.0M)
($50.0M)
($33.0M)
Other
($6.0M)
($3.0M)
($3.0M)
($1.0M)
Cash flows due to changes in other assets and other liabilities
($56.0M)
($50.0M)
($30.0M)
($58.0M)
Net cash provided by operating activities
$1.5B
$739.0M
$2.3B
$1.4B
Net principal originations and purchases of finance receivables
($2.1B)
($526.0M)
($3.1B)
($1.8B)
Proceeds from sales of finance receivables
$736.0M
$362.0M
$830.0M
$553.0M
Available-for-sale securities purchased
($214.0M)
($115.0M)
($248.0M)
($200.0M)
Available-for-sale securities called, sold, and matured
$143.0M
$74.0M
$245.0M
$165.0M
Other securities purchased
($9.0M)
($3.0M)
($6.0M)
($3.0M)
Other securities called, sold, and matured
$11.0M
$4.0M
$17.0M
$12.0M
Other, net
($44.0M)
($23.0M)
($67.0M)
($45.0M)
Net cash used for investing activities
($1.5B)
($227.0M)
($2.4B)
($1.3B)
Proceeds from issuance and borrowings of long-term debt, net of issuance costs
$2.9B
$1.1B
$6.3B
$4.1B
Repayments and repurchases of long-term debt
($2.8B)
($1.4B)
($5.5B)
($3.5B)
Cash dividends
($250.0M)
($128.0M)
($376.0M)
($251.0M)
Common stock repurchased
($139.0M)
($107.0M)
($70.0M)
($37.0M)
Treasury stock issued
$2.0M
$1.0M
$3.0M
$2.0M
Withholding tax on share-based compensation
($19.0M)
($18.0M)
($12.0M)
($10.0M)
Net cash provided by (used for) financing activities
($358.0M)
($563.0M)
$351.0M
$274.0M
Net change in cash and cash equivalents and restricted cash and restricted cash equivalents
($308.0M)
($51.0M)
$264.0M
$369.0M
Cash and cash equivalents and restricted cash and restricted cash equivalents at beginning of period
$1.6B
$1.6B
$1.1B
$1.1B
Cash and cash equivalents and restricted cash and restricted cash equivalents at end of period
$1.3B
$1.6B
$1.4B
$1.5B
Cash and cash equivalents
$567.0M
$834.0M
$658.0M
$769.0M
Restricted cash and restricted cash equivalents
$738.0M
$728.0M
$748.0M
$742.0M
Total cash and cash equivalents and restricted cash and restricted cash equivalents