OneMain Holdings, Inc. (OMF) Income Statement
OMF 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsOMF revenue and net income
Where OMF's revenue goes
2025Each bar shows an amount and its share of revenue. OMF kept 12.5% of revenue as net income.
OMF profit margins
OMF growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +9.1% | +7.0% | +4.8% | +11.0% |
| Gross profit | +19.1% | +2.1% | +2.8% | +14.6% |
| Operating income | +50.1% | −4.7% | +0.5% | — |
| Net income | +53.8% | −3.5% | +1.4% | — |
| EPS (diluted) | +36.2% | −3.0% | +1.8% | +11.0% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
OMF quarterly EPS vs estimates
OneMain beat the analyst EPS estimate in 8 of the last 8 quarters. Next report: October 30, 2026 (estimate $1.59).
OMF income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $6.24B | $5.72B | $5.30B | $5.09B | $4.97B | $4.93B | $4.68B | $4.24B | $3.79B | $3.73B |
| Cost of revenue | $3.27B | $3.23B | $2.74B | $2.29B | $1.53B | $2.35B | $2.10B | $1.92B | $1.77B | $1.79B |
| Gross profit | $2.97B | $2.50B | $2.56B | $2.80B | $3.44B | $2.59B | $2.58B | $2.32B | $2.01B | $1.94B |
| Research & development | — | — | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Sales, general & admin | $1.12B | $1.07B | $1.16B | $994.0M | $1.01B | $998.0M | $993.0M | $1.11B | $961.0M | $955.0M |
| Total operating expenses | $1.97B | $1.83B | $1.72B | $1.64B | $1.70B | $1.61B | $1.49B | $1.69B | $1.58B | $1.58B |
| Operating income | $1.00B | $667.0M | $840.0M | $1.16B | $1.74B | $977.0M | $1.10B | $624.0M | $431.0M | $356.0M |
| Interest income | $5.46B | $4.99B | $4.56B | $4.43B | $4.36B | $4.37B | $4.13B | $3.66B | $3.20B | $3.11B |
| Interest expense | $1.27B | $1.19B | $1.02B | $892.0M | $937.0M | $1.03B | $970.0M | $875.0M | $816.0M | $856.0M |
| Income before taxes | $1.00B | $667.0M | $840.0M | $1.16B | $1.74B | $977.0M | $1.10B | $624.0M | $431.0M | $356.0M |
| Income taxes | $218.0M | $158.0M | $199.0M | $283.0M | $427.0M | $247.0M | $243.0M | $177.0M | $248.0M | $113.0M |
| Net income | $783.0M | $509.0M | $641.0M | $872.0M | $1.31B | $730.0M | $855.0M | $447.0M | $183.0M | $215.0M |
| EBITDA | $1.29B | $944.0M | $1.10B | $1.42B | $2.00B | $1.24B | $1.37B | $913.0M | $759.0M | $877.0M |
| EPS (diluted) | $6.66 | $4.89 | $5.43 | $7.29 | $10.78 | $6.09 | $6.72 | $5.06 | $3.45 | $3.71 |
| Gross margin | 47.6% | 43.6% | 48.3% | 54.9% | 69.2% | 52.4% | 55.2% | 54.7% | 53.2% | 52.1% |
| Operating margin | 16.0% | 11.7% | 15.9% | 22.7% | 35.0% | 19.8% | 23.5% | 14.7% | 11.4% | 9.5% |
| Net margin | 12.5% | 8.9% | 12.1% | 17.1% | 26.4% | 14.8% | 18.3% | 10.5% | 4.8% | 5.8% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.62B | $1.59B | $1.61B | $1.59B | $1.54B | $1.50B | $1.50B | $1.47B | $1.41B | $1.35B | $1.38B | $1.35B |
| Cost of revenue | $325.0M | $335.0M | $866.0M | $808.0M | $828.0M | $768.0M | $833.0M | $813.0M | $872.0M | $708.0M | $716.0M | $677.0M |
| Gross profit | $1.30B | $1.25B | $746.0M | $786.0M | $708.0M | $733.0M | $665.0M | $652.0M | $533.0M | $647.0M | $659.0M | $675.0M |
| Sales, general & admin | $448.0M | $292.0M | $288.0M | $282.0M | $284.0M | $267.0M | $279.0M | $263.0M | $253.0M | $274.0M | $256.0M | $265.0M |
| Total operating expenses | $777.0M | $631.0M | $497.0M | $523.0M | $494.0M | $458.0M | $501.0M | $445.0M | $441.0M | $443.0M | $438.0M | $429.0M |
| Operating income | $523.0M | $621.0M | $249.0M | $263.0M | $214.0M | $275.0M | $164.0M | $207.0M | $92.0M | $204.0M | $221.0M | $246.0M |
| Interest income | $1.42B | $1.39B | $1.42B | $1.39B | $1.34B | $1.31B | $1.32B | $1.28B | $1.22B | $1.17B | $1.19B | $1.17B |
| Interest expense | $326.0M | $322.0M | $323.0M | $320.0M | $317.0M | $312.0M | $311.0M | $301.0M | $297.0M | $277.0M | $270.0M | $267.0M |
| Income before taxes | $196.0M | $296.0M | $249.0M | $263.0M | $214.0M | $275.0M | $164.0M | $207.0M | $92.0M | $204.0M | $221.0M | $246.0M |
| Income taxes | $44.0M | $70.0M | $45.0M | $64.0M | $47.0M | $62.0M | $38.0M | $50.0M | $21.0M | $49.0M | $56.0M | $52.0M |
| Net income | $152.0M | $226.0M | $204.0M | $199.0M | $167.0M | $213.0M | $126.0M | $157.0M | $71.0M | $155.0M | $165.0M | $194.0M |
| EBITDA | $598.0M | $692.0M | $322.0M | $335.0M | $286.0M | $345.0M | $234.0M | $278.0M | $162.0M | $270.0M | $287.0M | $312.0M |
| EPS (diluted) | $1.31 | $1.95 | $1.59 | $1.90 | $1.45 | $1.72 | $1.16 | $1.26 | $1.02 | $1.45 | $1.39 | $1.57 |
| Gross margin | 80.0% | 78.9% | 46.3% | 49.3% | 46.1% | 48.8% | 44.4% | 44.5% | 37.9% | 47.7% | 47.9% | 49.9% |
| Operating margin | 32.2% | 39.1% | 15.4% | 16.5% | 13.9% | 18.3% | 10.9% | 14.1% | 6.5% | 15.1% | 16.1% | 18.2% |
| Net margin | 9.4% | 14.2% | 12.7% | 12.5% | 10.9% | 14.2% | 8.4% | 10.7% | 5.1% | 11.4% | 12.0% | 14.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in OMF's financial statements (latest annual report filed February 6, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
OMF financial results
In fiscal year 2025 (ended December 31, 2025), OneMain reported revenue of $6.2 billion, up 9.1% from the year before. It had net income of $783.0 million (up 53.8%), a net profit margin of 12.5%. Diluted earnings per share came to $6.66. Over five years revenue grew at an average rate of 4.8% a year.
See the OMF stock overview for the latest quote and news, or the OMF chart for price history and technical indicators.
OMF income statement FAQ
What is OneMain's annual revenue?
OneMain reported total revenue of $6.2 billion for fiscal year 2025, which ended on December 31, 2025. That was up 9.1% from $5.7 billion the previous year.
Is OneMain profitable?
Yes. OneMain reported net income of $783.0 million in fiscal 2025, a net profit margin of 12.5%; its operating margin was 16.0%.
What is OneMain's gross margin?
OneMain's gross margin was 47.6% in fiscal 2025: for every $100 of revenue, OneMain kept $48 after the direct cost of its products and services.
How fast is OneMain growing?
Revenue grew 4.8% a year on average over the last five fiscal years, from $4.9 billion to $6.2 billion.
What are OneMain's earnings per share?
OneMain earned $6.66 per diluted share in fiscal 2025, compared with $4.89 a year earlier.
When will OneMain report its next earnings?
OneMain is expected to report results for the quarter ending September 30, 2026 on October 30, 2026 before the market opens.
When does OneMain's fiscal year end?
OneMain's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 6, 2026.