Consumer finance company OneMain Holdings (NYSE: OMF) beat Wall Street’s revenue expectations in Q4 CY2025, with sales up 9.1% year on year to $1.29 billion. Its GAAP profit of $1.72 per share was 21.6% above analysts’ consensus estimates.
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OneMain (OMF) Q4 CY2025 Highlights:
- Net Interest Income: $1.09 billion vs analyst estimates of $1.08 billion
- Revenue: $1.29 billion vs analyst estimates of $1.28 billion (9.1% year-on-year growth, 0.7% beat)
- Pre-tax Profit: $249 million (19.4% margin)
- EPS (GAAP): $1.72 vs analyst estimates of $1.41 (21.6% beat)
- Market Capitalization: $7.44 billion
Company Overview
Dating back to 1912 and formerly known as Springleaf, OneMain Holdings (NYSE: OMF) provides personal loans, auto financing, and credit cards to nonprime consumers who have limited access to traditional banking services.
Revenue Growth
A company’s long-term sales performance can indicate its overall quality. Even a bad business can shine for one or two quarters, but a top-tier one grows for years. Over the last five years, OneMain grew its revenue at a tepid 4.9% compounded annual growth rate. This was below our standard for the financials sector and is a tough starting point for our analysis.
Long-term growth is the most important, but within financials, a half-decade historical view may miss recent interest rate changes and market returns. OneMain’s annualized revenue growth of 7.6% over the last two years is above its five-year trend, suggesting some bright spots. 
Note: Quarters not shown were determined to be outliers, impacted by outsized investment gains/losses that are not indicative of the recurring fundamentals of the business.
This quarter, OneMain reported year-on-year revenue growth of 9.1%, and its $1.29 billion of revenue exceeded Wall Street’s estimates by 0.7%.
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Key Takeaways from OneMain’s Q4 Results
It was good to see OneMain beat analysts’ EPS expectations this quarter. We were also happy its net interest income narrowly outperformed Wall Street’s estimates. Zooming out, we think this quarter featured some important positives. The stock traded up 2.5% to $64.76 immediately following the results.
OneMain may have had a good quarter, but does that mean you should invest right now? If you’re making that decision, you should consider the bigger picture of valuation, business qualities, as well as the latest earnings. We cover that in our actionable full research report which you can read here (it’s free).
