OneMain Holdings, Inc. (OMF) Income Statement Analysis

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Complete financial analysis of OneMain Holdings, Inc. (OMF) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of OneMain Holdings, Inc., a leading company in the Financial – Credit Services industry within the Financial Services sector.

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OneMain Holdings, Inc. (OMF)

Industry: Financial - Credit Services

Sector: Financial Services

Website: https://www.onemainfinancial.com

About OneMain Holdings, Inc.

OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses. The company originates, underwrites, and services personal loans secured by automobiles, other titled collateral, or unsecured. The company also offers credit cards and insurance products comprising life, disability, and involuntary unemployment insurance; optional non-credit insurance; guaranteed asset protection coverage as a waiver product or insurance; and membership plans. It operates through a network of approximately 1,400 branch offices in 44 states in the United States, as well as through its website onemainfinancial.com. The company was formerly known as Springleaf Holdings, Inc. and changed its name to OneMain Holdings, Inc. in November 2015. OneMain Holdings, Inc. was founded in 1912 and is based in Evansville, Indiana.

Metric	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
Revenue	2.56B	4.20B	4.04B	3.91B	3.81B	3.37B	2.97B	2.88B	1.48B	2.18B	1.43B	865.10M	744.31M	879.70M	1.06B	1.41B
Cost of Revenue	2.59B	779.00M	704.00M	702.00M	683.00M	728.00M	728.00M	843.00M	4.00M	18.37M	4.81M	0.00	0.00	0.00	102.06M	0.00
Gross Profit	-26.00M	3.42B	3.33B	3.20B	3.13B	2.64B	2.24B	2.03B	1.48B	2.16B	1.42B	865.10M	744.31M	879.70M	961.63M	1.41B
Gross Profit Ratio	-1.02%	81.45%	82.56%	82.03%	82.09%	78.37%	75.48%	70.70%	99.73%	99.16%	99.66%	100.00%	100.00%	100.00%	90.41%	100.00%
Research & Development	0.00	0.23	0.35	0.20	0.23	0.15	0.11	0.10	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	1.04B	150.00M	176.00M	242.00M	993.00M	1.10B	941.00M	955.00M	581.00M	435.45M	528.80M	380.84M	414.99M	386.46M	420.82M	479.02M
Selling & Marketing	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
SG&A	1.04B	150.00M	176.00M	242.00M	993.00M	1.10B	941.00M	955.00M	581.00M	435.45M	528.80M	380.84M	414.99M	386.46M	420.82M	479.02M
Other Expenses	0.00	-2.56B	-2.47B	-3.17B	-3.71B	2.51B	2.38B	2.46B	1.78B	-15.03M	6.06M	-484.41M	1.37M	202.05M	-1.30B	-1.40B
Operating Expenses	933.00M	-2.41B	-2.30B	-2.93B	-2.72B	3.61B	3.33B	3.42B	2.36B	1.86B	2.23B	-103.56M	416.36M	588.51M	-883.83M	-918.30M
Cost & Expenses	933.00M	-2.41B	-2.30B	-2.93B	-2.72B	3.61B	3.33B	3.42B	2.36B	1.88B	2.23B	-103.56M	416.36M	588.51M	102.06M	-918.30M
Interest Income	4.56B	4.44B	4.36B	4.37B	4.13B	3.66B	3.20B	3.11B	1.93B	1.98B	2.16B	1.71B	1.87B	1.86B	2.19B	2.65B
Interest Expense	1.02B	892.00M	937.00M	1.03B	970.00M	875.00M	816.00M	856.00M	715.00M	734.02M	919.38M	1.07B	1.28B	1.11B	1.16B	1.28B
Depreciation & Amortization	257.00M	3.02B	2.21B	2.86B	3.65B	3.55B	3.26B	3.42B	198.00M	34.67M	-55.15M	166.93M	274.82M	157.67M	136.85M	142.52M
EBITDA	2.12B	2.34B	0.00	2.34B	0.00	0.00	0.00	0.00	0.00	1.01B	0.00	1.71M	0.00	0.00	0.00	0.00
EBITDA Ratio	82.69%	48.94%	49.68%	31.77%	35.89%	53.12%	53.05%	59.26%	34.91%	72.05%	58.07%	107.32%	161.15%	184.82%	20.18%	44.94%
Operating Income	1.63B	1.79B	1.74B	977.00M	1.10B	1.50B	1.25B	1.18B	319.00M	1.54B	884.26M	761.54M	924.64M	1.47B	77.81M	490.69M
Operating Income Ratio	63.54%	42.70%	43.14%	25.01%	28.79%	44.53%	42.00%	41.15%	21.54%	70.46%	61.93%	88.03%	124.23%	166.90%	7.31%	34.83%
Total Other Income/Expenses	-786.00M	-734.00M	-788.00M	-776.00M	-702.00M	-777.00M	-727.00M	-964.00M	-226.00M	-363.50M	-356.00M	-305.37M	-360.14M	-1.11B	-1.09B	-1.28B
Income Before Tax	840.00M	1.16B	1.74B	977.00M	1.10B	624.00M	431.00M	356.00M	-226.00M	904.50M	75.36M	-306.86M	-360.14M	354.62M	-1.01B	-785.47M
Income Before Tax Ratio	32.83%	27.70%	43.14%	25.01%	28.79%	18.54%	14.52%	12.37%	-15.26%	41.50%	5.28%	-35.47%	-48.39%	40.31%	-95.41%	-55.75%
Income Tax Expense	199.00M	285.00M	427.00M	247.00M	243.00M	177.00M	248.00M	113.00M	-133.00M	297.05M	-3.83M	-88.22M	-118.41M	-285.13M	-482.61M	400.26M
Net Income	641.00M	872.00M	1.31B	730.00M	855.00M	447.00M	183.00M	215.00M	-220.00M	504.64M	-31.73M	-218.63M	-241.73M	639.75M	-532.28M	-1.19B
Net Income Ratio	25.05%	20.77%	32.56%	18.69%	22.42%	13.28%	6.16%	7.47%	-14.85%	23.15%	-2.22%	-25.27%	-32.48%	72.72%	-50.04%	-84.15%
EPS	5.32	7.02	9.91	5.42	6.28	3.29	1.35	1.60	-1.72	4.03	-0.32	-1.96	-2.17	5.73	-4.77	-10.62
EPS Diluted	5.31	7.01	9.88	5.41	6.27	3.29	1.35	1.59	-1.72	4.02	-0.31	-1.96	-2.17	5.73	-4.77	-10.62
Weighted Avg Shares Out	120.38M	124.18M	132.65M	134.72M	136.07M	135.70M	135.25M	134.72M	127.91M	114.79M	100.00M	111.63M	111.63M	111.63M	111.63M	111.63M
Weighted Avg Shares Out (Dil)	120.63M	124.42M	133.05M	134.92M	136.33M	136.03M	135.68M	135.14M	127.91M	115.27M	102.92M	111.63M	111.63M	111.63M	111.63M	111.63M

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OneMain Holdings, Inc. Comments on Settlement with the Consumer Financial Protection Bureau

May 31, 2023businesswire.com

NEW YORK--(BUSINESS WIRE)--OneMain Holdings, Inc. (NYSE: OMF) today commented on an agreement reached with the Consumer Financial Protection Bureau (CFPB) relating primarily to the handling of interest refunds for certain optional products that our customers purchased, but later canceled within...

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May 27, 2023seekingalpha.com

OMF offers a near 11% dividend yield that is well-covered by earnings. OMF also recently hiked its dividend by 5.3% while also continuing to pour cash into an aggressive buyback program.

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KBRA Assigns Preliminary Ratings to OneMain Financial Issuance Trust 2023-1

May 11, 2023businesswire.com

NEW YORK--(BUSINESS WIRE)-- #KBRA--KBRA assigns preliminary ratings to four classes of notes issued by OneMain Financial Issuance Trust 2023-1 (“OMFIT 2023-1”), a consumer loan asset-backed securities transaction. OMFIT 2023-1 will issue four classes of notes totaling $449.09 million. The preliminary...

Here's What Key Metrics Tell Us About OneMain (OMF) Q1 Earnings

April 25, 2023zacks.com

Although the revenue and EPS for OneMain (OMF) give a sense of how its business performed in the quarter ended March 2023, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

OneMain Holdings, Inc. Reports First Quarter 2023 Results

April 25, 2023businesswire.com

NEW YORK--(BUSINESS WIRE)--OneMain Holdings, Inc. (NYSE: OMF), the leader in offering nonprime customers responsible access to credit, today reported pretax income of $235 million and net income of $179 million for the first quarter of 2023, compared to $399 million...