OneMain Holdings, Inc. (NYSE:OMF) reported fourth-quarter 2025 results on Thursday that exceeded analyst expectations, supported by solid revenue growth and improved loan portfolio performance.
Shares of the consumer lending company were largely unchanged in after-hours trading following the announcement.
The company reported adjusted diluted earnings per share of $1.59, slightly above analyst forecasts of $1.55. Quarterly revenue reached $1.6 billion, representing an 8% increase from the same period last year and significantly exceeding consensus estimates of $1.27 billion.
Total managed receivables increased to $26.3 billion, up 6% from $24.7 billion at the end of 2024. Consumer loan originations totalled $3.6 billion during the quarter, marking a 3% increase compared with $3.5 billion in the prior-year period.
“2025 was a great year highlighted by excellent revenue and earnings growth that positions us well for the year ahead,” said Doug Shulman, Chairman and CEO of OneMain. “Our disciplined approach to credit, ongoing investments to drive innovation, and deep commitment to our customers has positioned us to deliver profitable growth and create long-term value for shareholders.”
Net interest income rose to $1.09 billion during the quarter, compared with $1.00 billion a year earlier. The increase was primarily driven by higher receivable balances and stronger portfolio yield performance. Operating expenses rose 5% to $443 million, reflecting portfolio growth and continued strategic investment initiatives.
OneMain declared a quarterly dividend of $1.05 per share and repurchased approximately 1.2 million shares of common stock for $70 million during the quarter.
The company reported a 30-plus-day consumer loan delinquency ratio of 5.85% as of December 2025, slightly higher than the 5.76% recorded at the end of December 2024.