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OneMain Holdings cash flow, quarter by quarter

Latest: Q1 2026 · from the cash-flow statements filed with the SEC

Free cash flow$739M in Q1 2026 · $3.2B over twelve months

Operating cash flow$739M
Free cash flow+$739M
Cash / net income3.3×

Analysis

In Q1 2026, OneMain Holdings generated $739M of operating cash flow. That is $74.0M more than in Q1 2025 ($665M).

Over the twelve months to Mar 31, 2026, operating cash flow was $3.2B; the largest uses were other investing ($3.1B), dividends ($501M), buybacks ($232M); besides operations, cash came from net borrowing (+) / repaid (−) ($799M), shares issued ($5.0M); the cash balance rose by $199M.

Operating cash flow was $739M against net income of $226M — 3.3× profit, cash ran ahead of reported earnings. The largest differences: depreciation & amortization +$74.0M, deferred taxes +$29.0M, stock-based pay +$11.0M.

Free cash flow

OneMain Holdings: free cash flow by quarterOneMain Holdings: free cash flow by quarter$712MQ2 2024$677MQ3 2024$752MQ4 2024$665MQ1 2025$774MQ2 2025$828MQ3 2025$865MQ4 2025$739MQ1 2026
Operating cash flow less capital spending.
OneMain Holdings: operating cash flow against capital spendingOneMain Holdings: operating cash flow against capital spendingOperating cash flowCapital spending$712M$0Q2 2024$677M$0Q3 2024$752M$0Q4 2024$665M$0Q1 2025$774M$0Q2 2025$828M$0Q3 2025$865M$0Q4 2025$739M$0Q1 2026
Latest (Q1 2026): Operating cash flow $739M, Capital spending $0.

Capital allocation, year by year

OneMain Holdings: where the cash came from (up) and went (down), by fiscal yearOneMain Holdings: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAcquisitionsBuybacksDividendsFY2021: Operating cash flow $2.2BFY2021: Net borrowing −$162MFY2021: Buybacks −$368MFY2021: Dividends −$1.3B$2.2BFY2021FY2022: Operating cash flow $2.4BFY2022: Net borrowing $469MFY2022: Shares issued $2.0MFY2022: Buybacks −$303MFY2022: Dividends −$480M$2.9BFY2022FY2023: Operating cash flow $2.5BFY2023: Net borrowing $1.5BFY2023: Shares issued $3.0MFY2023: Buybacks −$65.0MFY2023: Dividends −$487M$4.0BFY2023FY2024: Operating cash flow $2.7BFY2024: Net borrowing $701MFY2024: Shares issued $4.0MFY2024: Acquisitions −$64.0MFY2024: Buybacks −$35.0MFY2024: Dividends −$498M$3.4BFY2024FY2025: Operating cash flow $3.1BFY2025: Net borrowing $1.1BFY2025: Shares issued $5.0MFY2025: Buybacks −$141MFY2025: Dividends −$499M$4.3BFY2025
Over these 5 years operating cash flow totalled $13.0B; the largest uses were dividends ($3.2B) and buybacks ($912M). Cash-flow statements as filed.

Where the cash came from and went

OneMain Holdings: sources (+) and uses (−) of cash, Q1 2026OneMain Holdings: sources (+) and uses (−) of cash, Q1 2026Operating cash flow$739MNet borrowing (+) / repaid (−)−$311MOther investing−$227MDividends−$128MBuybacks−$107MCash drawn (+) / kept (−)$51.0MTaxes on employees’ shares−$18.0MShares issued$1.0M
OneMain Holdings: sources (+) and uses (−) of cash, TTM to Q1 2026OneMain Holdings: sources (+) and uses (−) of cash, 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 profit to cash

OneMain Holdings: net income to operating cash flow, Q1 2026OneMain Holdings: net income to operating cash flow, Q1 2026Net income$226MDepreciation & amortization$74.0MStock-based pay$11.0MDeferred taxes$29.0MOther non-cash−$3.0MOperating cash flow$739M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q1 2026$739M−$107M−$128M−$311M$1.0M$51.0M$739M
Q4 2025$865M−$71.0M−$123M$342M$2.0M−$207M$865M
Q3 2025$828M−$33.0M−$125M$236M$1.0M$105M$828M
Q2 2025$774M−$21.0M−$125M$532M$1.0M−$148M$774M
Q1 2025$665M−$16.0M−$126M$38.0M$1.0M−$221M$665M
Q4 2024$752M−$3.0M−$125M$276M$1.0M$128M$752M
Q3 2024$677M−$19.0M−$126M$449M$1.0M$27.0M$677M
Q2 2024$712M−$8.0M−$125M−$1.6B$1.0M$133M$712M

OneMain Holdings: income statement and cash flow

OneMain Holdings, Q3 2026: revenue $1.4B (+10% year over year), operating margin 17.2%. The chart follows the revenue to costs, profit and cash.

OneMain Holdings: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.