OneMain reported adjusted earnings of $1.59 per share for the quarter ended December 31, 2025, surpassing the Zacks Consensus Estimate of $1.55 and marking a 37% increase from $1.16 in Q4 2024. This outperformance reflects continued strength in origination volumes and disciplined credit underwriting, driving higher net yield on loans despite a competitive funding environment.

Total finance receivables grew by approximately 8% year-over-year, fueled by a 12% rise in new loan originations. Management highlighted that average loan size increased by 5% to $9,200, while customer acquisition costs remained stable, supporting top-line momentum without sacrificing credit quality.

During the Q4 earnings call, management reiterated its full-year 2026 outlook, forecasting mid-single-digit growth in revenue and continued margin expansion. The company pointed investors to its investor presentation for detailed assumptions, emphasizing inherent risks such as interest rate fluctuations and regulatory changes that could materially affect future results.