OneMain Holdings (OMF) Q4 FY2025 earnings: revenue $1.3 billion, up 10.1% on the year

OneMain Holdings, Inc. (OMF) reported revenue of $1.3 billion for Q4 FY2025, the quarter ended 31 December 2025, up 10.1% on the same quarter a year earlier. Net income was $204 million, up 61.9% on the year, and diluted earnings per share $1.72. The figures are the company's own, from the 10-K it filed with the SEC on 6 February 2026.

Revenue$1.3 billionup 10.1%

Net income$204 millionup 61.9%

Diluted EPS$1.72

QuarterQ4 FY2025ended 31 December 2025

The quarter, against the one before and a year earlier

Line	Q4 FY2025	Q3 FY2025	Q4 FY2024	Change on the year
Revenue	1,286	1,235	1,168	+10.1%
Pre-tax income	249	263	164	+51.8%
Income tax	45.0	64.0	38.0	+18.4%
Effective tax rate	18.1%	24.3%	23.2%
Net income	204	199	126	+61.9%
Net margin	15.9%	16.1%	10.8%
Diluted EPS	$1.72	$1.67	$1.05	+63.8%

$ million except per share.

Fourth quarters are the year less the first three quarters. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are.

Cash flow and capital returned

Line	Q4 FY2025	Q3 FY2025	Q4 FY2024	Change on the year
Operating cash flow	865	828	752	+15.0%
Cash from investing	-807	-1,010	-1,028	n/a
Cash from financing	149	77.0	148	+0.7%
Depreciation and amortisation	73.0	72.0	70.0	+4.3%
Share-based compensation	8.0	7.0	7.0	+14.3%
Buybacks	71.0	33.0	3.0	+2266.7%
Dividends paid	123	125	125	-1.6%
Dividend per share	n/a	$1.04	n/a	n/a
Diluted shares, weighted	118m	119m	120m	-1.3%
Shares outstanding at period end	117m	118m	119m	-1.8%

Cash flow lines for the quarter; where the company files them year to date, the quarter is the difference between two filings.

Balance sheet at quarter end

Line	Q4 FY2025	Q3 FY2025	Q4 FY2024	Change on the year
Shareholders' equity	3,401	3,378	3,191	+6.6%
Debt	22,694	22,338	21,438	+5.9%
Other liabilities	1,293	1,269	1,281	+0.9%
Total liabilities and equity	27,388	26,985	25,910	+5.7%
Goodwill	1,474	1,474	1,474	+0.0%
Intangible assets	282	284	286	-1.4%
Securities held for sale or to maturity	1,532	1,597	1,539	-0.5%
Trading assets	58.0	60.0	68.0	-14.7%
Cash and equivalents	914	658	458	+99.6%
Other assets	23,128	22,912	22,085	+4.7%
Total assets	27,388	26,985	25,910	+5.7%

Questions

What was OneMain Holdings' revenue in Q4 FY2025?

OneMain Holdings (OMF) reported revenue of $1.3 billion for Q4 FY2025, the quarter ended 31 December 2025, up 10.1% on the same quarter a year earlier.

How much did OneMain Holdings earn in Q4 FY2025?

Net income for Q4 FY2025 was $204 million, up 61.9% on the year, and diluted earnings per share $1.72.

When did OneMain Holdings report Q4 FY2025 results?

OneMain Holdings filed its 10-K for the year that ended with the quarter on 6 February 2026; the fourth quarter is the year less the first three.

Quarterly results, the last 20 quarters

	Q3 FY2021	Q4 FY2021 *	Q1 FY2022 †	Q2 FY2022 †	Q3 FY2022 †	Q4 FY2022 *	Q1 FY2023	Q2 FY2023	Q3 FY2023	Q4 FY2023 *	Q1 FY2024	Q2 FY2024	Q3 FY2024	Q4 FY2024 *	Q1 FY2025	Q2 FY2025	Q3 FY2025	Q4 FY2025 *	Q1 FY2026	Q2 FY2026
Revenue	1,031	1,021	1,032	1,015	1,065	1,060	1,032	1,058	1,085	1,105	1,076	1,096	1,163	1,168	1,184	1,198	1,235	1,286	1,262	1,298
Pre-tax income	376	356	399	278	246	237	235	138	246	221	204	92.0	207	164	275	214	263	249	296	196
Tax rate	23%	26%	24%	25%	25%	24%	24%	25%	21%	25%	24%	23%	24%	23%	23%	22%	24%	18%	24%	22%
Net income	288	263	303	208	185	180	179	103	194	165	155	71.0	157	126	213	167	199	204	226	152
Net margin	28%	26%	29%	20%	17%	17%	17%	10%	18%	15%	14%	6%	13%	11%	18%	14%	16%	16%	18%	12%
Diluted EPS	$2.17	$2.04	$2.38	$1.67	$1.49	$1.48	$1.48	$0.85	$1.61	$1.38	$1.29	$0.59	$1.31	$1.05	$1.78	$1.40	$1.67	$1.72	$1.93	$1.32
Operating cash flow	509	608	552	626	545	664	562	683	596	678	558	712	677	752	665	774	828	865	739	800
Buybacks	141	192	110	94.0	43.0	56.0	27.0	7.0	11.0	20.0	5.0	8.0	19.0	3.0	16.0	21.0	33.0	71.0	107	32.0
Dividends paid	557	89.0	126	120	118	116	123	122	121	121	122	125	126	125	126	125	125	123	128	122
Shares outstanding	131m	128m	126m	124m	123m	121m	121m	120m	120m	120m	120m	120m	119m	119m	119m	119m	118m	117m	116m	115m
Filing	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q

Each quarter as filed, linked to its filing.

* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS, and its diluted share count where shown, are from the company's results press release for that quarter, checked against the company's filed figures or a second data source. A quarter marked † is shown as the company last restated it in a later filing, so it compares with the quarters around it on one basis; rest on a figure for the one first filed. EPS is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

10-K for the period ended 31 December 2025, filed 6 February 2026: the filing.