OneMain Holdings, Inc. reported pretax income of $249 million and net income of $204 million for the fourth quarter of 2025, up 52% and 62% respectively from $164 million and $126 million in the year-ago quarter. Diluted earnings per share rose to $1.72, a 64% increase over the prior-year EPS of $1.05. Adjusted diluted EPS for the Consumer & Insurance segment was $1.59, up from $1.16 in Q4 2024, underscoring the company’s disciplined credit management and improved yield on its nonprime consumer loan portfolio.

The company’s managed receivables reached $26.3 billion at December 31, 2025, a 6% increase from $24.7 billion a year earlier. Fourth-quarter total revenue climbed 8% to $1.6 billion, driven by an 8% rise in interest income to $1.4 billion. Consumer loan originations increased 3% to $3.6 billion, reflecting steady demand in the nonprime segment and ongoing enhancements to the digital application process.

OneMain generated pretax capital of $225 million in the quarter, up from $183 million in Q4 2024, driven by receivable growth and yield improvement. Operating expenses rose 5% to $443 million, reflecting investments in technology and branch expansion. The provision for finance receivable losses increased modestly by $19 million to $542 million, while the allowance for credit losses was bolstered by an incremental $50 million to support portfolio growth.

On February 5, 2026, the board declared a quarterly dividend of $1.05 per share, payable February 23, marking the 14th consecutive quarter of dividend payments. During the quarter, OneMain repurchased approximately 1.2 million shares for $70 million. At year-end, the company held $914 million in cash and equivalents and maintained $8.5 billion of undrawn committed facilities and unencumbered receivables, ensuring ample liquidity to fund growth and shareholder distributions.