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OneMain Holdings (OMF) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Oct 30, 2026 · OneMain Holdings (OMF) Q3 2026 earnings results →

Q3 2026 Revenue up 10% year over year to $1.4B · 14¢ of every $1 of revenue kept as net profit · operating margin 17.2%

OneMain Holdings made $1.4B in Q3 2026 (+10% Y/Y): Net interest income $1.1B, Noninterest income $212M. Operating margin 17.2%, net earnings $185M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 30, 2026.

Revenue$1.4B
Year over year+10%
Operating margin17.2%
Net earnings$185M
Operating cash flow$808M

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OneMain Holdings Q3 2026 revenue breakdown: Sankey diagram of revenue (Net interest income, Noninterest income), costs, profit and cash flow
OneMain Holdings Q3 2026 revenue breakdown — free to use with credit and a link (terms). Share on X
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What changed this quarter

Revenue was $1.4B in Q3 2026, up 10% year over year. Net interest income was the largest line at 84% of revenue. Net interest income added $0.07B year over year (up 7%), 60% of the total change.

Operating profit was $0.23B, a 17.2% margin (down 4.1 points year over year). Operating profit fell $0.03B even though revenue rose $0.12B versus a year earlier, so costs grew faster than sales. Total costs grew 16% against revenue growth of 10%. The fastest-growing cost line was Credit loss provision (+26%). Net earnings were $0.18B, down 7% year over year. The effective tax rate was 20.6%.

Operating cash flow was $0.81B (down 2% year over year), 437% of net earnings. Non-cash charges added back $0.08B of depreciation and amortization and $0.01B of share-based compensation. Working capital and other items added $0.54B.

Quarterly history

OneMain Holdings revenue by quarterOneMain Holdings revenue by quarter$1.3BQ2 2026$1.4BQ3 2026
OneMain Holdings net earnings by quarterOneMain Holdings net earnings by quarter$152MQ2 2026$185MQ3 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QOct 30, 2026$1.4B+10%17.2%$185M$808M
Q2 202610-QJul 30, 2026$1.3B+8%15.1%$152M$800M

Charts

OneMain Holdings: where the cash came from (+) and went (−), TTM to Q1 2026OneMain Holdings: where the cash came from (+) and went (−), TTM to Q1 2026Operating cash flow$3.2BOther investing−$3.1BNet borrowing (+) / repaid (−)$799MDividends−$501MBuybacks−$232MCash drawn (+) / kept (−)−$199MTaxes on employees’ shares−$21.0MShares issued$5.0M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
OneMain Holdings: profit against cash, quarter by quarterOneMain Holdings: profit against cash, quarter by quarterNet incomeOperating cash flow$71.0M$712MQ2 2024$157M$677MQ3 2024$126M$752MQ4 2024$213M$665MQ1 2025$167M$774MQ2 2025$199M$828MQ3 2025$204M$865MQ4 2025$226M$739MQ1 2026
Latest (Q1 2026): Net income $226M, Operating cash flow $739M.
OneMain Holdings: diluted shares by fiscal yearOneMain Holdings: diluted shares by fiscal year135MFY2020133MFY2021124MFY2022121MFY2023120MFY2024119MFY2025
-11.6% since FY2020: buybacks shrank the count.
OneMain Holdings: long-term debt falling due (FY2025)OneMain Holdings: long-term debt falling due (FY2025)$424M2026$750M2027$1.4B2028$1.6B2029$2.3B2030$5.0BLater
Cash $914M, short-term investments —, long-term debt $22.7B at 2025-12-31.
OneMain Holdings in its industry: growth against margin (9 companies, SIC 6141)OneMain Holdings in its industry: growth against margin (9 companies, SIC 6141)revenue growth, year over year →↑ operating marginmedian +8%median 16%AFRMBFHENVAATLCCACCHAPNRMWRLDOMF (+10%, 17%)
Personal Credit Institutions; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

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💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About OneMain Holdings

OneMain Financial (NYSE: OMF) is the leader in offering nonprime consumers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. We empower our customers to solve today’s problems and reach a better financial future through personalized solutions across 48 states, available online and in more than 1,300 locations. OneMain is committed to making a positive impact on the people and the communities we serve. For additional information, please visit www.OneMainFinancial.com.

In its own words, from its 8-K, filed Jul 29, 2026.

OneMain Holdings against its Personal Credit Institutions peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +10% against the peers' median +8%. Operating margin: 17.2% against the peers' median 15.6%.

CompanyQuarterRevenueY/YOp. margin
OMF OneMain HoldingsQ3 2026$1.4B+10%17.2%
AFRM Affirm HoldingsQ1 FY27$1.3B+35%14.8%
BFH Bread Financial HoldingsQ3 2026$1.0B+5%20.6%
ENVA Enova InternationalQ3 2026$1.0B+26%24.5%
ATLC Atlanticus HoldingsQ3 2026$776M+60%15.6%
CACC Credit AcceptanceQ3 2026$595M+2%-12.4%
HAPN HappenQ3 2026$263M-1%29.2%
RM Regional ManagementQ3 2026$179M+8%11.1%
WRLD World AcceptanceQ2 FY27$139M+3%8.4%

Source: OneMain Holdings 10-Q on SEC EDGAR · CIK 1584207 · Personal Credit Institutions

Guidance and outlook

OneMain Holdings: what its forward-looking statements are about (10-Q filed 2026-10-30)OneMain Holdings: what its forward-looking statements are about (10-Q filed 2026-10-30)The economy4Other2Financing2Demand1Buybacks & dividends1
10 statements; tone -0.50 (−1 all cautious, +1 all confident); 6 hedged.
OneMain Holdings: outlook statements against the filing beforeOneMain Holdings: outlook statements against the filing beforeDropped1Cautious5

13F: who owns OMF and who is buying

Largest holders of OMF (13F)Largest holders of OMF (13F)Vanguard Group$799MBlackRock$634MBrave Warrior Advisors, LLC$462MAQR Capital Management LLC$384MCapital International Investors$348MVanguard Portfolio Management LLC$329MVanguard Capital Management LLC$324MDimensional Fund Advisors LP$272MGoldman Sachs Group$255MFMR LLC$226M
Funds' net buying of OMF by quarter (13F)Funds' net buying of OMF by quarter (13F)$127M2024-09$107M2024-12−$72.1M2025-03−$6.8M2025-06$1.5M2025-09−$132M2025-12−$151M2026-03$242M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on OMF

History

Every quarter: Q3 2026 results · Q2 2026 results

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