Balance Sheet OneMain Holdings, Inc.

Equities

OMF

US68268W1036

Consumer Lending

Market Closed - Nyse Other stock markets 04:00:02 2025-12-12 pm EST			5-day change	1st Jan Change
68.82 ^USD	-1.15%		+6.45%	+32.02%

Nov. 21	Increasing Popularity of Mobile Sports Betting Creates New Credit Risks for Lenders, BofA Says	MT
Nov. 21	Sports Betting Boom Creating New Credit Risks for Lenders, BofA Says	MT

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Published financial data: ONEMAIN HOLDINGS, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest and Dividend Income, Total	4.44B	4.43B	4.5B	4.68B	5.1B
Interest Expense, Total	1.03B	937M	892M	1.02B	1.18B
Net Interest Income	3.42B	3.49B	3.6B	3.66B	3.92B
Gain (Loss) on Sale of Loans & Receivables	-	-	63M	52M	23M
Gain (Loss) on Sale of Investments, Total (Rev)	4M	-	-	-	-
Other Revenues, Total	486M	544M	532M	567M	598M
Revenues Before Provison For Loan Losses	3.91B	4.04B	4.2B	4.28B	4.54B
Provision For Loan Losses	1.32B	593M	1.4B	1.72B	2.04B
Total Revenues	2.59B	3.44B	2.8B	2.56B	2.5B
Salaries And Other Employee Benefits	756M	839M	836M	855M	879M
Cost of Services Provided, Total	320M	251M	222M	267M	274M
Other Operating Expenses	495M	534M	549M	597M	643M
Total Operating Expenses	1.57B	1.62B	1.61B	1.72B	1.8B
Operating Income	1.02B	1.82B	1.19B	840M	701M
EBT, Excl. Unusual Items	1.02B	1.82B	1.19B	840M	701M
Total Merger & Related Restructuring Charges	-	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-
Other Unusual Items	-39M	-78M	-27M	-	-34M
EBT, Incl. Unusual Items	977M	1.74B	1.16B	840M	667M
Income Tax Expense	247M	427M	285M	199M	158M
Earnings From Continuing Operations	730M	1.31B	878M	641M	509M
Net Income to Company	730M	1.31B	878M	641M	509M
Minority Interest	-	-	-	-	-
Net Income - (IS)	730M	1.31B	878M	641M	509M
Net Income to Common Incl Extra Items	730M	1.31B	878M	641M	509M
Net Income to Common Excl. Extra Items	730M	1.31B	878M	641M	509M
Per Share Items
Net EPS - Basic	5.42	9.91	7.07	5.32	4.25
Basic EPS - Continuing Operations	5.42	9.91	7.07	5.32	4.25
Basic Weighted Average Shares Outstanding	135M	133M	124M	120M	120M
Net EPS - Diluted	5.41	9.87	7.06	5.32	4.24
Diluted EPS - Continuing Operations	5.41	9.87	7.06	5.32	4.24
Diluted Weighted Average Shares Outstanding	135M	133M	124M	121M	120M
Normalized Basic EPS	4.71	8.57	5.99	4.36	3.66
Normalized Diluted EPS	4.71	8.54	5.98	4.35	3.65
Dividend Per Share	1.44	2.55	3.8	4	4.12
Payout Ratio	26.9	25.97	54.67	64.59	61.49
Supplemental Items
Effective Tax Rate - (Ratio)	25.28	24.53	24.51	23.69	23.69
Current Domestic Taxes	280M	348M	343M	231M	195M
Current Foreign Taxes	9M	1M	4M	4M	5M
Total Current Taxes	289M	349M	347M	235M	200M
Deferred Domestic Taxes	-42M	78M	-62M	-36M	-42M
Deferred Foreign Taxes	-	-	-	-	-
Total Deferred Taxes	-42M	78M	-62M	-36M	-42M
Normalized Net Income	635M	1.14B	744M	525M	438M
Non-Cash Pension Expense	-5M	-5M	-5M	-2M	-3M
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	17M	77M	31M	36M	30M
Stock-Based Comp., Other (Total)	-	-	-	-	-
Total Stock-Based Compensation	17M	77M	31M	36M	30M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	2.27B	541M	498M	1.01B	458M
Long-Term Investments - (FS Template)	1.92B	1.99B	1.8B	1.72B	1.61B
Trading Asset Securities, Total	-	-	-	-	-
Loans and Lease Receivables - (FS Template)	15.04B	16.36B	16.93B	18.1B	20.08B
Other Receivables	12M	13M	14M	14M	13M
Gross Property Plant And Equipment	-	-	-	-	-
Accumulated Depreciation	-	-	-	-	-
Net Property Plant And Equipment	153M	140M	152M	165M	152M
Goodwill	1.42B	1.44B	1.44B	1.44B	1.47B
Other Intangibles, Total	306M	274M	261M	260M	286M
Loans Held For Sale	156M	-	-	-	-
Restricted Cash	451M	476M	461M	534M	684M
Other Current Assets, Total	-	-	-	-	-
Deferred Tax Assets Long-Term (Collected)	-	-	-	-	-
Deferred Charges Long-Term	33M	29M	31M	34M	37M
Other Long-Term Assets, Total	700M	821M	953M	1.02B	1.12B
Total Assets	22.47B	22.08B	22.53B	24.29B	25.91B
Liabilities
Accrued Expenses, Total	-	-	-	-	-
Short-Term Borrowings	-	-	-	-	-
Current Portion of Leases	59M	57M	58M	64M	63M
Long-Term Debt	17.63B	17.58B	18.11B	19.64B	21.27B
Long-Term Leases	106M	94M	103M	109M	99M
Trust Preferred Securities (BS)	172M	172M	172M	172M	172M
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	-	-	-	-	-
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	-	-	-	11M	9M
Deferred Tax Liability Non-Current	45M	1M	5M	9M	20M
Other Non Current Liabilities	1.02B	1.08B	1.06B	1.1B	1.09B
Total Liabilities	19.03B	18.99B	19.5B	21.11B	22.72B
Common Stock, Total	1M	1M	1M	1M	1M
Additional Paid In Capital	1.66B	1.67B	1.69B	1.72B	1.73B
Retained Earnings	1.69B	1.73B	2.12B	2.28B	2.3B
Treasury Stock	-	-368M	-667M	-728M	-759M
Comprehensive Income and Other	94M	61M	-119M	-87M	-81M
Total Common Equity	3.44B	3.09B	3.03B	3.19B	3.19B
Minority Interest	-	-	-	-	-
Total Equity	3.44B	3.09B	3.03B	3.19B	3.19B
Total Liabilities And Equity	22.47B	22.08B	22.53B	24.29B	25.91B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	134M	127M	121M	120M	119M
ECS Total Common Shares Outstanding	134M	128M	121M	120M	119M
Book Value / Share	25.61	24.2	25.02	26.6	26.73
Tangible Book Value	1.71B	1.38B	1.33B	1.49B	1.43B
Tangible Book Value Per Share	12.75	10.81	11	12.43	11.99
Total Debt	17.96B	17.9B	18.44B	19.99B	21.6B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-4M	-9M	-3M	-6M	-16M
Net Debt	15.69B	17.36B	17.94B	18.97B	21.14B
Full Time Employees	8.3K	8.8K	9.2K	9.1K	9K

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	730M	1.31B	878M	641M	509M
Depreciation, Depletion & Amortization	227M	232M	249M	257M	277M
Amortization of Goodwill and Intangible Assets - (CF)	37M	32M	13M	-	-
Total Depreciation, Depletion & Amortization	264M	264M	262M	257M	277M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-	-47M	-63M	-52M	-23M
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-
(Gain) Loss on Sale of Investments - (CF)	-	-	-	-	-
Provision for Credit Losses	1.32B	593M	1.4B	1.72B	2.04B
Stock-Based Compensation (CF)	17M	23M	31M	36M	30M
Changes in Accrued Interest Payable	-	-	-	-	-
Change In Income Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-118M	-48M	-90M	-44M	-125M
Other Operating Activities	0	148M	-33M	-40M	-9M
Cash from Operations	2.21B	2.25B	2.39B	2.52B	2.7B
Cash Acquisitions	-	-	-	-	-64M
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	26M	-120M	-59M	145M	108M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-748M	-1.95B	-1.98B	-2.92B	-3.23B
Other Investing Activities, Total	-29M	-69M	-75M	-91M	-78M
Cash from Investing	-751M	-2.14B	-2.12B	-2.86B	-3.27B
Long-Term Debt Issued, Total	7.28B	3.76B	5.62B	4.82B	4.39B
Total Debt Issued	7.28B	3.76B	5.62B	4.82B	4.39B
Long-Term Debt Repaid, Total	-6.79B	-3.92B	-5.15B	-3.33B	-3.69B
Total Debt Repaid	-6.79B	-3.92B	-5.15B	-3.33B	-3.69B
Issuance of Common Stock	-	-	2M	-	4M
Repurchase of Common Stock	-51M	-374M	-317M	-10M	-46M
Common Dividends Paid	-196M	-341M	-480M	-414M	-313M
Common & Preferred Stock Dividends Paid	-196M	-341M	-480M	-414M	-313M
Special Dividend Paid	-610M	-933M	-	-130M	-185M
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	-370M	-1.81B	-326M	937M	161M
Foreign Exchange Rate Adjustments	-	-	-	-	-
Net Change in Cash	1.09B	-1.71B	-58M	594M	-406M
Supplemental Items
Cash Interest Paid	978M	891M	857M	968M	1.14B
Cash Income Tax Paid (Refund)	289M	403M	343M	215M	219M
Net Debt Issued / Repaid	487M	-162M	469M	1.49B	701M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	3.22	5.9	3.94	2.74	2.03
Return On Equity %	18.79	40.22	28.68	20.67	15.96
Return on Common Equity	18.79	40.22	28.68	20.67	15.96
Margin Analysis
Gross Profit Margin %	90.65	94.89	94.64	92.61	92.43
SG&A Margin	32.24	26.55	32.46	36.46	38.61
Income From Continuing Operations Margin %	28.22	38.16	31.39	25.05	20.38
Net Income Margin %	28.22	38.16	31.39	25.05	20.38
Net Avail. For Common Margin %	28.22	38.16	31.39	25.05	20.38
Normalized Net Income Margin	24.55	33.02	26.59	20.52	17.55
Asset Turnover
Asset Turnover	0.11	0.15	0.13	0.11	0.1
Short Term Liquidity
Current Ratio	303.98	305.02	308.6	307.19	337.11
Quick Ratio	293.69	296.67	300.66	298.84	326.25
Operating Cash Flow to Current Liabilities	37.49	39.42	41.16	39.36	42.84
Long Term Solvency
Total Debt/Equity	522.09	578.76	608.85	627.31	676.9
Total Debt / Total Capital	83.92	85.27	85.89	86.25	87.13
LT Debt/Equity	520.37	576.92	606.93	625.3	674.93
Long-Term Debt / Total Capital	83.65	85	85.62	85.97	86.87
Total Liabilities / Total Assets	84.69	85.99	86.56	86.89	87.68
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-3.65	33.09	-18.76	-8.51	-2.42
Gross Profit, 1 Yr. Growth %	-6.2	39.32	-18.98	-10.19	-2.62
Earnings From Cont. Operations, 1 Yr. Growth %	-14.62	80	-33.18	-26.49	-20.59
Net Income, 1 Yr. Growth %	-14.62	80	-33.18	-26.49	-20.59
Normalized Net Income, 1 Yr. Growth %	-10.33	79.04	-34.58	-28.93	-16.55
Diluted EPS Before Extra, 1 Yr. Growth %	-13.72	82.44	-28.51	-24.11	-20.3
Common Equity, 1 Yr. Growth %	-20.53	-10.11	-2.07	5.67	0.16
Total Assets, 1 Yr. Growth %	-1.52	-1.74	2.06	7.8	6.65
Tangible Book Value, 1 Yr. Growth %	-33.22	-19.32	-3.69	13.06	-3.9
Cash From Operations, 1 Yr. Growth %	-6.35	1.58	6.23	5.49	7.15
Dividend Per Share, 1 Yr. Growth %	44	77.08	49.02	5.26	3
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	5.64	13.24	3.98	-13.79	-5.52
Gross Profit, 2 Yr. CAGR %	5.02	14.32	6.24	-14.83	-6.48
Earnings From Cont. Operations, 2 Yr. CAGR %	27.79	23.97	9.67	-30.16	-23.6
Net Income, 2 Yr. CAGR %	27.79	23.97	9.67	-30.16	-23.6
Normalized Net Income, 2 Yr. CAGR %	26.69	26.71	8.22	-32.04	-22.99
Diluted EPS Before Extra, 2 Yr. CAGR %	28.23	25.47	14.24	-26.62	-22.23
Common Equity, 2 Yr. CAGR %	-4.83	-15.48	-6.18	1.49	2.88
Total Assets, 2 Yr. CAGR %	5.76	-1.63	0.14	4.9	7.22
Tangible Book Value, 2 Yr. CAGR %	-7.2	-26.6	-11.85	3.8	4.24
Cash From Operations, 2 Yr. CAGR %	3.98	-2.46	3.88	5.79	6.33
Dividend Per Share, 2 Yr. CAGR %	-	59.69	62.45	25.24	4.13
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	8.7	14.1	1.37	-0.36	-10.16
Gross Profit, 3 Yr. CAGR %	8.62	15.4	1.92	0.35	-10.94
Earnings From Cont. Operations, 3 Yr. CAGR %	58.6	43.25	0.89	-4.24	-27.1
Net Income, 3 Yr. CAGR %	58.6	43.25	0.89	-4.24	-27.1
Normalized Net Income, 3 Yr. CAGR %	30.23	42.17	1.65	-6.14	-27.23
Diluted EPS Before Extra, 3 Yr. CAGR %	58.84	44.22	4.03	-0.56	-24.57
Common Equity, 3 Yr. CAGR %	1.63	-6.62	-11.23	-2.53	1.05
Total Assets, 3 Yr. CAGR %	4.96	3.2	-0.42	2.63	5.48
Tangible Book Value, 3 Yr. CAGR %	6.55	-11.43	-19.64	-4.56	1.17
Cash From Operations, 3 Yr. CAGR %	12.47	3.17	0.35	4.43	6.24
Dividend Per Share, 3 Yr. CAGR %	-	-	56.05	40.57	17.34
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	27.73	10.31	6.79	2	-1.44
Gross Profit, 5 Yr. CAGR %	28.67	10.97	7.66	2.2	-1.59
Earnings From Cont. Operations, 5 Yr. CAGR %	51	40.15	36.84	7.48	-9.85
Net Income, 5 Yr. CAGR %	27.11	43.63	36.84	7.48	-9.85
Normalized Net Income, 5 Yr. CAGR %	22.57	33.3	20.94	5.82	-9.16
Diluted EPS Before Extra, 5 Yr. CAGR %	25.76	44.07	39.22	10.09	-7.53
Common Equity, 5 Yr. CAGR %	4.14	0.18	-1.57	-3.46	-5.92
Total Assets, 5 Yr. CAGR %	1.18	4.03	3	3.87	2.58
Tangible Book Value, 5 Yr. CAGR %	16.16	3.71	-1.23	-5.63	-11.02
Cash From Operations, 5 Yr. CAGR %	24.45	11.19	8.95	4.25	2.7
Dividend Per Share, 5 Yr. CAGR %	-	-	-	-	32.73