OneMain
Provides consumer credit through branches, digital channels, and dealer-sourced auto finance.
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Profile
Offers personal and auto-finance loans, credit cards, and optional insurance products to nonprime consumers. Its single Consumer and Insurance segment uses branches, central operations, digital channels, and a dealer network for auto finance.
Personal loans, auto-finance loans, credit cards, and optional insurance products make up the Consumer and Insurance business. It is the sole reportable segment, serving nonprime consumers through branches, central operations, and a digital platform. Customers use online channels and branches across 48 states, with central operations supporting loan delivery.
Foursight adds dealer-sourced auto receivables that it purchases and services through a dealer network. Dealer-sourced auto finance remains in the same reportable segment. The business depends on consumer-loan and credit-card receivable performance, access to funding, and branch, central, digital, and dealer distribution.
Company facts
Categories
Key statistics
Year to date −9.0% · Average volume (30d) 916.9K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 7, 2026 | Barclays | Reiterate | Equal Weight | $61 | $60 | |
| Jul 6, 2026 | Evercore ISI | Target | $55 | $66 | ||
| Jul 2, 2026 | Truist Financial | Target | $75 | $70 | ||
| May 4, 2026 | Barclays | Reiterate | Equal Weight | $71 | $61 | |
| Mar 17, 2026 | Evercore ISI | Target | $75 | $55 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 29, 2026Q2 FY26 | $1.26 | $1.31 | +4.0% | $1.28B | $1.30B | +1.4% | +0.73% |
| May 1, 2026Q1 FY26 | $1.92 | $1.95 | +1.6% | $1.27B | $1.26B | −0.4% | −2.47% |
| Feb 5, 2026Q4 FY25 | $1.55 | $1.59 | +2.6% | $1.30B | $1.29B | −0.7% | −1.04% |
| Oct 31, 2025Q3 FY25 | $1.61 | $1.90 | +18.0% | $1.25B | $1.27B | +1.8% | +3.70% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $1.50B | $1.54B | $1.59B | $1.61B | $1.59B | $1.63B | |
| Gross profit | $733.0M | $708.0M | $786.0M | $746.0M | $1.25B | $1.30B | |
| Operating income | $275.0M | $214.0M | $263.0M | $249.0M | $621.0M | $523.0M | |
| Net income | $213.0M | $167.0M | $199.0M | $204.0M | $226.0M | $152.0M | |
| Diluted EPS | $1.78 | $1.40 | $1.67 | $1.72 | $1.93 | $1.31 | |
| Gross margin | 48.8% | 46.1% | 49.3% | 46.3% | 78.9% | 80.0% | |
| Operating margin | 18.3% | 13.9% | 16.5% | 15.4% | 39.1% | 32.2% |
Fiscal years (4-quarter sums)FY21 $4.86B · FY22 $5.09B · FY23 $5.30B · FY24 $5.72B · FY25 $6.24B
Balance sheet, Jun 30, 2026Cash & short-term investments $2.22B · Total debt $22.77B · Total assets $27.42B · Shareholders' equity $3.38B
Dividends
Raised for 5 straight years — most recently to $1.05 from $1.04 in Nov 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 10, 2026 | Aug 10 | Aug 14 | $1.05 | |
| May 11, 2026 | May 11 | May 15 | $1.05 | |
| Feb 17, 2026 | Feb 17 | Feb 23 | $1.05 | |
| Nov 10, 2025 | Nov 10 | Nov 14 | $1.05 | raised from $1.04 |
| Aug 4, 2025 | Aug 4 | Aug 13 | $1.04 | |
| May 9, 2025 | May 9 | May 16 | $1.04 | |
| Feb 12, 2025 | Feb 12 | Feb 20 | $1.04 | |
| Nov 12, 2024 | Nov 12 | Nov 18 | $1.04 |
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 115.53M · Float 114.56M · 99.2% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 10.40M | 9.00% | 13F | Aug 7, 2026 |
| Brave Warrior Advisors, LLC | 7.59M | 6.57% | 13F | Aug 14, 2026 |
| AQR Capital Management LLC | 6.30M | 5.45% | 13F | Aug 14, 2026 |
| Capital International Investors | 5.71M | 4.95% | 13F | Aug 12, 2026 |
| Vanguard Portfolio Management LLC | 5.40M | 4.67% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 4, 2026 | Micah R. Conrad | officer: EVP & COO | −5,000 | $65.40 |
| Jul 29, 2026 | Michael A. Hedlund | officer: pao, SVP and Group Controller | −2,500 | $64.00 |
| Jun 29, 2026 | Micah R. Conrad | officer: EVP & COO | −5,000 | $62.00 |
| Jun 29, 2026 | Michael A. Hedlund | officer: pao, SVP and Group Controller | −1,848 | $62.00 |
| Apr 17, 2026 | Micah R. Conrad | officer: EVP & COO | −5,000 | $60.00 |
Peers
- Regional Management
Nonprime installment loans through branch and digital channels
- Enova International
Online consumer installment loans and lines of credit
- Credit Acceptance
Dealer-enabled auto finance for consumers outside conventional credit
- World Acceptance
Small-loan consumer credit for borrowers with limited credit access
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| OneMain | $63.02 | +0.29% | $7.26B | 9.5 | 8.0 | 1.1 | −15.5% |
| Regional Management | $32.55 | +0.34% | $299.7M | 6.9 | 5.7 | 0.4 | +6.7% |
| Enova International | $232.30 | −0.09% | $5.79B | 17.3 | 12.0 | 1.9 | +21.6% |
| Credit Acceptance | $594.11 | −0.11% | $6.22B | 13.1 | 11.6 | 2.7 | +2.1% |
| World Acceptance | $188.35 | +0.07% | $877.8M | 22.3 | 15.2 | 1.5 | +5.1% |
| Median | 15.2 | 11.8 | 1.7 | +5.9% |