Earnings Releases·Oct 30, 2026, 6:31 AM ET

OneMain Holdings, Inc. — Third Quarter 2026 Earnings Summary

Reported Q3 2026 net income of $185 million ($1.60 diluted EPS), a decline from $199 million ($1.67 diluted EPS) in the prior year quarter, driven by a 7% revenue increase to $1.7 billion offset by a significant rise in provision for finance receivable losses to $615 million.
Consumer loan originations grew 17% to $4.5 billion, while managed receivables increased 9% to $28.1 billion; however, net charge-offs rose to 6.89% and 30+ delinquency ratios reached 5.34%.
Capital generation reached $284 million, up from $272 million in the prior year period, supported by a 7% increase in interest income to $1.5 billion.
Returned capital to shareholders via a $1.05 per share quarterly dividend and $34 million in share repurchases (538 thousand shares), while maintaining liquidity resources of $936 million in cash and $12.3 billion in unencumbered receivables.
Management expressed confidence in delivering attractive future returns and driving growth with rigorous credit discipline, though noted risks regarding economic conditions, interest rates, and substantial indebtedness.