OneMain (NYSE:OMF) Releases Earnings Results, Misses Estimates By $0.05 EPS

Posted by on Oct 31st, 2026

OneMain (NYSE:OMF – Get Free Report) issued its quarterly earnings data on Friday. The financial services provider reported $1.51 earnings per share for the quarter, missing analysts’ consensus estimates of $1.56 by ($0.05), Zacks reports. OneMain had a return on equity of 23.49% and a net margin of 13.92%. The business had revenue of $1.70 billion for the quarter, compared to analysts’ expectations of $1.34 billion. During the same period last year, the business earned $1.90 earnings per share.

Here are the key takeaways from OneMain’s conference call:

  • Receivables growth accelerated 9% year over year to $28.1 billion, while originations increased 17%. Management raised its full-year managed-receivables growth outlook to the high end of its prior range, or 9%.
  • Credit trends improved across the portfolio. Consumer-loan delinquencies and charge-offs declined sequentially and year over year, with management expecting lower year-over-year losses in the fourth quarter and further normalization toward approximately 7% in 2027, assuming a stable macroeconomic environment.
  • The credit-card and auto businesses continued to scale rapidly. Credit-card originations rose 84%, purchase volume increased 82%, and receivables reached $1.4 billion, while auto receivables grew 16%; card charge-offs also fell 274 basis points year over year to 13.9%.
  • Capital generation and shareholder returns remained strong. Quarterly capital generation rose 4% to $284 million, the company returned more than $500 million to shareholders year to date through dividends and repurchases, and management said incremental capital returns will increasingly favor buybacks while maintaining the current dividend.
  • OneMain strengthened liquidity with $2.3 billion of ABS and unsecured debt issuance at attractive spreads, but funding costs are expected to remain around current levels and the overall reserve ratio is projected to rise to approximately 11.8% in the fourth quarter as the higher-reserve credit-card portfolio grows.

OneMain Stock Down 4.7%

Shares of NYSE:OMF traded down $2.78 during trading on Friday, reaching $56.56. The stock had a trading volume of 1,294,668 shares, compared to its average volume of 884,062. The stock has a market cap of $6.51 billion, a P/E ratio of 8.52, a PEG ratio of 0.68 and a beta of 1.24. The business has a fifty day moving average price of $59.02 and a 200-day moving average price of $58.46. OneMain has a fifty-two week low of $45.78 and a fifty-two week high of $71.93.

OneMain News Roundup

Here are the key news stories impacting OneMain this week:

  • Positive Sentiment: OneMain declared a quarterly dividend of $1.05 per share, supporting the stock’s income appeal. Managed receivables reached $28.1 billion, indicating a substantial lending platform. OneMain Holdings Third Quarter 2026 Results
  • Neutral Sentiment: The company reported third-quarter diluted EPS of $1.60, while adjusted diluted EPS was $1.51. The difference between the measures makes the underlying quarter more important to assess than the headline GAAP figure. OneMain Q3 2026 Earnings Call Transcript
  • Neutral Sentiment: OMF’s stock recently moved above its 200-day moving average, a potentially favorable technical signal, although the broader market reaction was dominated by the earnings results. OneMain Stock Crosses Above Two Hundred Day Moving Average
  • Negative Sentiment: Adjusted EPS of $1.51 missed the consensus estimate of $1.56 and declined from $1.90 a year earlier. Net income fell to $185 million from $199 million, while pretax income declined to $233 million from $263 million. OneMain Q3 Earnings Miss Estimates
  • Negative Sentiment: The results suggest pressure on earnings growth and credit performance at OneMain’s nonprime consumer lending business, likely outweighing the dividend and receivables growth in investor sentiment. OneMain Key Metrics Versus Estimates

Analysts Set New Price Targets

A number of brokerages have commented on OMF. Deutsche Bank Aktiengesellschaft reiterated a “buy” rating on shares of OneMain in a report on Friday, July 10th. Evercore set a $60.00 price target on OneMain in a report on Thursday, October 1st. Truist Financial boosted their price target on OneMain from $70.00 to $71.00 and gave the stock a “buy” rating in a report on Thursday, July 30th. Bank of America reduced their price objective on OneMain from $71.00 to $67.00 and set a “buy” rating on the stock in a research report on Monday, September 28th. Finally, TD Cowen decreased their price objective on OneMain from $68.00 to $66.00 and set a “buy” rating on the stock in a research note on Tuesday, October 6th. Eight analysts have rated the stock with a Buy rating, four have assigned a Hold rating and one has assigned a Sell rating to the company’s stock. Based on data from MarketBeat.com, OneMain has an average rating of “Moderate Buy” and a consensus target price of $67.09.

View Our Latest Research Report on OMF

Insider Transactions at OneMain

In related news, COO Micah Conrad sold 5,000 shares of the firm’s stock in a transaction that occurred on Tuesday, August 4th. The shares were sold at an average price of $65.40, for a total transaction of $327,000.00. Following the sale, the chief operating officer owned 91,250 shares in the company, valued at approximately $5,967,750. This trade represents a 5.19% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which can be accessed through this hyperlink. Company insiders own 0.29% of the company’s stock.

OneMain Company Profile

(Get Free Report)

OneMain Holdings, Inc, operating under the OneMain Financial brand, is a consumer finance company that provides personal lending and related financial services primarily to non-prime consumers in the United States. The company serves customers through a combination of branch locations, online and mobile channels, and centralized customer service operations.

OneMain’s principal products include secured and unsecured personal loans, which customers may use for debt consolidation, home improvements, major purchases, and other personal expenses.

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Earnings History for OneMain (NYSE:OMF)

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