OneMain's Q3 profit beats on higher loan originations

Reuters
2025/10/31
OneMain's Q3 profit beats on higher loan originations

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

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(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.)

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