OneMain Holdings posted third‑quarter 2025 results showing pretax income of $263 million and net income of $199 million, translating to earnings per diluted share of $1.67. Total revenue reached $1.60 billion, up 9% year‑over‑year, driven by a $1.40 billion interest‑income increase of 9% and higher loan and credit‑card activity.
The company declared a quarterly dividend of $1.05 per share, a 1% increase from the $1.04 dividend paid in the prior quarter. The dividend will be paid on November 14, 2025. In addition, OneMain repurchased approximately 540,000 shares for $32 million during the quarter, and the board approved a new $1.0 billion share‑repurchase program that will expire on December 31, 2028.
Credit performance improved sequentially, with net charge‑offs falling to 6.67% from 7.19% in Q2 2025 and the 30‑plus‑day delinquency rate at 5.55% versus 5.17% year‑ago. Managed receivables grew to $25.9 billion, up 6% from $25.2 billion at the end of Q2 2025, reflecting disciplined underwriting and a growing loan portfolio.
Segment results show the Consumer and Insurance segment generated adjusted pretax income of $303 million, up 15% from the prior quarter, while the Consumer segment contributed $210 million of pretax income. Management highlighted that the increase in interest income was driven by higher loan balances and improved portfolio yields, and that operating expenses rose in line with receivable growth and strategic investments in digital platforms.
The company’s dividend payout ratio remains high, but management emphasized confidence in the company’s cash‑flow generation and its ability to sustain the dividend and share‑repurchase program. The new program reflects a commitment to returning capital to shareholders while maintaining flexibility for future growth initiatives.
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