OneMain's Q3 profit beats on higher loan originations

OneMain Holdings

31/10/2025 10:44

Overview

OneMain Q3 2025 adjusted EPS of $1.90 beats analyst expectations

Company reports Q3 net income of $199 mln, up from $157 mln last year

Board approves $1 bln share repurchase program, replacing previous one

Outlook

Company did not provide specific financial guidance for future periods

Result Drivers

REVENUE GROWTH - Total revenue increased by 9% driven by receivable growth and improved portfolio yield

CREDIT PERFORMANCE - Decrease in provision for finance receivable losses due to improved credit performance

LOAN ORIGINATIONS - Consumer loan originations increased 5% from the prior year quarter, supporting receivable growth

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q3 Adjusted EPS
Beat
$1.90
$1.61 (14 Analysts)
Q3 EPS
$1.67
Q3 Net Income
$199 mln
Q3 Net Interest Income
$1.07 bln
Q3 Operating Expenses
-$436 mln
Q3 Pretax Profit
$263 mln


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 10 "strong buy" or "buy", 6 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the consumer lending peer group is "buy"

Wall Street's median 12-month price target for OneMain Holdings Inc is $63.50, about 12.2% above its October 30 closing price of $55.75

The stock recently traded at 7 times the next 12-month earnings vs. a P/E of 8 three months ago

Press Release: ID:nPnf3Xvta

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)