Financial Ratios OneMain Holdings, Inc.

Equities

OMF

US68268W1036

Consumer Lending

Market Closed - Nyse Other stock markets 04:00:02 2025-01-24 pm EST			5-day change	1st Jan Change
57.61 ^USD	-0.60%		+5.22%	+10.51%

Nov. 01	Onemain Holdings Insider Sold Shares Worth $265,000, According to a Recent SEC Filing	MT
Oct. 31	Deutsche Bank Raises Price Target on OneMain Holdings to $64 From $61, Keeps Buy Rating	MT

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Published financial data: ONEMAIN HOLDINGS, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2019	2020	2021	2022	2023
Interest and Dividend Income, Total	4.22B	4.44B	4.43B	4.5B	4.68B
Interest Expense, Total	970M	1.03B	937M	892M	1.02B
Net Interest Income	3.25B	3.42B	3.49B	3.6B	3.66B
Gain (Loss) on Sale of Loans & Receivables	3M	-	-	63M	52M
Gain (Loss) on Sale of Investments, Total (Rev)	18M	4M	-	-	-
Other Revenues, Total	541M	486M	544M	532M	567M
Revenues Before Provison For Loan Losses	3.81B	3.91B	4.04B	4.2B	4.28B
Provision For Loan Losses	1.13B	1.32B	593M	1.4B	1.72B
Total Revenues	2.68B	2.59B	3.44B	2.8B	2.56B
Salaries And Other Employee Benefits	808M	756M	839M	836M	855M
Cost of Services Provided, Total	262M	320M	251M	222M	267M
Other Operating Expenses	491M	495M	534M	549M	597M
Total Operating Expenses	1.56B	1.57B	1.62B	1.61B	1.72B
Operating Income	1.12B	1.02B	1.82B	1.19B	840M
EBT, Excl. Unusual Items	1.12B	1.02B	1.82B	1.19B	840M
Restructuring Charges	-	-	-	-	-
Total Merger & Related Restructuring Charges	-	-	-	-	-
Gain (Loss) on Sale of Assets	9M	-	-	-	-
Other Unusual Items	-35M	-39M	-78M	-27M	-
EBT, Incl. Unusual Items	1.1B	977M	1.74B	1.16B	840M
Income Tax Expense	243M	247M	427M	285M	199M
Earnings From Continuing Operations	855M	730M	1.31B	878M	641M
Net Income to Company	855M	730M	1.31B	878M	641M
Minority Interest	-	-	-	-	-
Net Income - (IS)	855M	730M	1.31B	878M	641M
Net Income to Common Incl Extra Items	855M	730M	1.31B	878M	641M
Net Income to Common Excl. Extra Items	855M	730M	1.31B	878M	641M
Per Share Items
Net EPS - Basic	6.28	5.42	9.91	7.07	5.32
Basic EPS - Continuing Operations	6.28	5.42	9.91	7.07	5.32
Basic Weighted Average Shares Outstanding	136M	135M	133M	124M	120M
Net EPS - Diluted	6.27	5.41	9.87	7.06	5.32
Diluted EPS - Continuing Operations	6.27	5.41	9.87	7.06	5.32
Diluted Weighted Average Shares Outstanding	136M	135M	133M	124M	121M
Normalized Basic EPS	5.16	4.71	8.57	5.99	4.36
Normalized Diluted EPS	5.15	4.71	8.54	5.98	4.35
Dividend Per Share	1	1.44	2.55	3.8	4
Payout Ratio	15.91	26.9	25.97	54.67	64.59
Supplemental Items
Effective Tax Rate - (Ratio)	22.13	25.28	24.53	24.51	23.69
Current Domestic Taxes	239M	280M	348M	343M	231M
Current Foreign Taxes	3M	9M	1M	4M	4M
Total Current Taxes	242M	289M	349M	347M	235M
Deferred Domestic Taxes	1M	-42M	78M	-62M	-36M
Deferred Foreign Taxes	-	-	-	-	-
Total Deferred Taxes	1M	-42M	78M	-62M	-36M
Normalized Net Income	702M	635M	1.14B	744M	525M
Non-Cash Pension Expense	-3M	-5M	-5M	-5M	-2M
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	13M	17M	77M	31M	36M
Stock-Based Comp., Other (Total)	-	-	-	-	-
Total Stock-Based Compensation	13M	17M	77M	31M	36M

Fiscal Period: December	2019	2020	2021	2022	2023
Assets
Cash And Equivalents	1.23B	2.27B	541M	498M	1.01B
Long-Term Investments - (FS Template)	1.88B	1.92B	1.99B	1.8B	1.72B
Trading Asset Securities, Total	-	-	-	-	-
Loans and Lease Receivables - (FS Template)	16.78B	15.04B	16.36B	16.93B	18.1B
Other Receivables	-	12M	13M	14M	14M
Gross Property Plant And Equipment	-	-	-	-	-
Accumulated Depreciation	-	-	-	-	-
Net Property Plant And Equipment	163M	153M	140M	152M	165M
Goodwill	1.42B	1.42B	1.44B	1.44B	1.44B
Other Intangibles, Total	343M	306M	274M	261M	260M
Loans Held For Sale	64M	156M	-	-	-
Restricted Cash	405M	451M	476M	461M	534M
Other Current Assets, Total	-	-	-	-	-
Deferred Tax Assets Long-Term (Collected)	-	-	-	-	-
Deferred Charges Long-Term	29M	33M	29M	31M	34M
Other Long-Term Assets, Total	503M	700M	821M	953M	1.02B
Total Assets	22.82B	22.47B	22.08B	22.53B	24.29B
Liabilities
Accrued Expenses, Total	-	-	-	-	-
Short-Term Borrowings	-	-	-	-	-
Current Portion of Leases	62M	59M	57M	58M	64M
Long-Term Debt	17.04B	17.63B	17.58B	18.11B	19.64B
Long-Term Leases	114M	106M	94M	103M	109M
Trust Preferred Securities (BS)	172M	172M	172M	172M	172M
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	-	-	-	-	-
Unearned Revenue Non Current	195M	-	-	-	-
Pension & Other Post Retirement Benefits	-	-	-	-	11M
Deferred Tax Liability Non-Current	34M	45M	1M	5M	9M
Other Non Current Liabilities	870M	1.02B	1.08B	1.06B	1.1B
Total Liabilities	18.49B	19.03B	18.99B	19.5B	21.11B
Common Stock, Total	1M	1M	1M	1M	1M
Additional Paid In Capital	1.69B	1.66B	1.67B	1.69B	1.72B
Retained Earnings	2.6B	1.69B	1.73B	2.12B	2.28B
Treasury Stock	-	-	-368M	-667M	-728M
Comprehensive Income and Other	44M	94M	61M	-119M	-87M
Total Common Equity	4.33B	3.44B	3.09B	3.03B	3.19B
Minority Interest	-	-	-	-	-
Total Equity	4.33B	3.44B	3.09B	3.03B	3.19B
Total Liabilities And Equity	22.82B	22.47B	22.08B	22.53B	24.29B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	136M	134M	127M	121M	120M
ECS Total Common Shares Outstanding	136M	134M	128M	121M	120M
Book Value / Share	31.81	25.61	24.2	25.02	26.6
Tangible Book Value	2.56B	1.71B	1.38B	1.33B	1.49B
Tangible Book Value Per Share	18.85	12.75	10.81	11	12.43
Total Debt	17.39B	17.96B	17.9B	18.44B	19.99B
Debt Equivalent of Unfunded Proj. Benefit Obligation	1M	-4M	-9M	-3M	-6M
Net Debt	16.16B	15.69B	17.36B	17.94B	18.97B
Equity Method Investments, Total	-	-	-	-	-
Full Time Employees	9.7K	8.3K	8.8K	9.2K	9.1K

Fiscal Period: December	2019	2020	2021	2022	2023
Net Income	855M	730M	1.31B	878M	641M
Depreciation, Depletion & Amortization	232M	227M	232M	249M	257M
Amortization of Goodwill and Intangible Assets - (CF)	39M	37M	32M	13M	-
Total Depreciation, Depletion & Amortization	271M	264M	264M	262M	257M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-	-	-47M	-63M	-52M
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-
(Gain) Loss on Sale of Investments - (CF)	-	-	-	-	-
Provision for Credit Losses	1.13B	1.32B	593M	1.4B	1.72B
Stock-Based Compensation (CF)	13M	17M	23M	31M	36M
Changes in Accrued Interest Payable	-	-	-	-	-
Change In Income Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	67M	-118M	-48M	-90M	-44M
Other Operating Activities	27M	0	148M	-33M	-40M
Cash from Operations	2.36B	2.21B	2.25B	2.39B	2.52B
Cash Acquisitions	-	-	-	-	-
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-131M	26M	-120M	-59M	145M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-3.29B	-748M	-1.95B	-1.98B	-2.92B
Other Investing Activities, Total	-12M	-29M	-69M	-75M	-91M
Cash from Investing	-3.43B	-751M	-2.14B	-2.12B	-2.86B
Long-Term Debt Issued, Total	5.9B	7.28B	3.76B	5.62B	4.82B
Total Debt Issued	5.9B	7.28B	3.76B	5.62B	4.82B
Long-Term Debt Repaid, Total	-3.96B	-6.79B	-3.92B	-5.15B	-3.33B
Total Debt Repaid	-3.96B	-6.79B	-3.92B	-5.15B	-3.33B
Issuance of Common Stock	-	-	-	2M	-
Repurchase of Common Stock	-5M	-51M	-374M	-317M	-10M
Common Dividends Paid	-136M	-196M	-341M	-480M	-414M
Common & Preferred Stock Dividends Paid	-136M	-196M	-341M	-480M	-414M
Special Dividend Paid	-272M	-610M	-933M	-	-130M
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	1.52B	-370M	-1.81B	-326M	937M
Foreign Exchange Rate Adjustments	-	-	-	-	-
Net Change in Cash	454M	1.09B	-1.71B	-58M	594M
Supplemental Items
Cash Interest Paid	845M	978M	891M	857M	968M
Cash Income Tax Paid (Refund)	261M	289M	403M	343M	215M
Net Debt Issued / Repaid	1.93B	487M	-162M	469M	1.49B

Fiscal Period: December	2019	2020	2021	2022	2023
Profitability
Return on Assets	3.99	3.22	5.9	3.94	2.74
Return On Equity %	21.04	18.79	40.22	28.68	20.67
Return on Common Equity	21.04	18.79	40.22	28.68	20.67
Margin Analysis
Gross Profit Margin %	93.11	90.65	94.89	94.64	92.61
SG&A Margin	32.96	32.24	26.55	32.46	36.46
Income From Continuing Operations Margin %	31.84	28.22	38.16	31.39	25.05
Net Income Margin %	31.84	28.22	38.16	31.39	25.05
Net Avail. For Common Margin %	31.84	28.22	38.16	31.39	25.05
Normalized Net Income Margin	26.16	24.55	33.02	26.59	20.52
Asset Turnover
Asset Turnover	0.13	0.11	0.15	0.13	0.11
Short Term Liquidity
Current Ratio	297.95	303.98	305.02	308.6	307.19
Quick Ratio	290.39	293.69	296.67	300.66	298.84
Operating Cash Flow to Current Liabilities	38.1	37.49	39.42	41.16	39.36
Long Term Solvency
Total Debt/Equity	401.57	522.09	578.76	608.85	627.31
Total Debt / Total Capital	80.06	83.92	85.27	85.89	86.25
LT Debt/Equity	400.14	520.37	576.92	606.93	625.3
Long-Term Debt / Total Capital	79.78	83.65	85	85.62	85.97
Total Liabilities / Total Assets	81.02	84.69	85.99	86.56	86.89
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	15.83	-3.65	33.09	-18.76	-8.51
Gross Profit, 1 Yr. Growth %	17.59	-6.2	39.32	-18.98	-10.19
Earnings From Cont. Operations, 1 Yr. Growth %	91.28	-14.62	80	-33.18	-26.49
Net Income, 1 Yr. Growth %	91.28	-14.62	80	-33.18	-26.49
Normalized Net Income, 1 Yr. Growth %	73.72	-10.33	79.04	-34.58	-28.93
Diluted EPS Before Extra, 1 Yr. Growth %	90.58	-13.72	82.44	-28.51	-24.11
Common Equity, 1 Yr. Growth %	13.98	-20.53	-10.11	-2.07	5.67
Total Assets, 1 Yr. Growth %	13.57	-1.52	-1.74	2.06	7.8
Tangible Book Value, 1 Yr. Growth %	28.96	-33.22	-19.32	-3.69	13.06
Cash From Operations, 1 Yr. Growth %	15.44	-6.35	1.58	6.23	5.49
Dividend Per Share, 1 Yr. Growth %	-	44	77.08	49.02	5.26
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	15.46	5.64	13.24	3.98	-13.79
Gross Profit, 2 Yr. CAGR %	16.88	5.02	14.32	6.24	-14.83
Earnings From Cont. Operations, 2 Yr. CAGR %	116.15	27.79	23.97	9.67	-30.16
Net Income, 2 Yr. CAGR %	116.15	27.79	23.97	9.67	-30.16
Normalized Net Income, 2 Yr. CAGR %	56.32	26.69	26.71	8.22	-32.04
Diluted EPS Before Extra, 2 Yr. CAGR %	115.51	28.23	25.47	14.24	-26.62
Common Equity, 2 Yr. CAGR %	14.93	-4.83	-15.48	-6.18	1.49
Total Assets, 2 Yr. CAGR %	8.36	5.76	-1.63	0.14	4.9
Tangible Book Value, 2 Yr. CAGR %	34.59	-7.2	-26.6	-11.85	3.8
Cash From Operations, 2 Yr. CAGR %	23.25	3.98	-2.46	3.88	5.79
Dividend Per Share, 2 Yr. CAGR %	-	-	59.69	62.45	25.24
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	8.4	8.7	14.1	1.37	-0.36
Gross Profit, 3 Yr. CAGR %	8.8	8.62	15.4	1.92	0.35
Earnings From Cont. Operations, 3 Yr. CAGR %	52.1	58.6	43.25	0.89	-4.24
Net Income, 3 Yr. CAGR %	58.43	58.6	43.25	0.89	-4.24
Normalized Net Income, 3 Yr. CAGR %	37.52	30.23	42.17	1.65	-6.14
Diluted EPS Before Extra, 3 Yr. CAGR %	57.99	58.84	44.22	4.03	-0.56
Common Equity, 3 Yr. CAGR %	12.19	1.63	-6.62	-11.23	-2.53
Total Assets, 3 Yr. CAGR %	7.98	4.96	3.2	-0.42	2.63
Tangible Book Value, 3 Yr. CAGR %	30.58	6.55	-11.43	-19.64	-4.56
Cash From Operations, 3 Yr. CAGR %	21.34	12.47	3.17	0.35	4.43
Dividend Per Share, 3 Yr. CAGR %	-	-	-	56.05	40.57
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	10.52	27.73	10.31	6.79	2
Gross Profit, 5 Yr. CAGR %	9.99	28.67	10.97	7.66	2.2
Earnings From Cont. Operations, 5 Yr. CAGR %	7.74	51	40.15	36.84	7.48
Net Income, 5 Yr. CAGR %	13.05	27.11	43.63	36.84	7.48
Normalized Net Income, 5 Yr. CAGR %	9.15	22.57	33.3	20.94	5.82
Diluted EPS Before Extra, 5 Yr. CAGR %	9.3	25.76	44.07	39.22	10.09
Common Equity, 5 Yr. CAGR %	16.42	4.14	0.18	-1.57	-3.46
Total Assets, 5 Yr. CAGR %	16.11	1.18	4.03	3	3.87
Tangible Book Value, 5 Yr. CAGR %	5.06	16.16	3.71	-1.23	-5.63
Cash From Operations, 5 Yr. CAGR %	44.04	24.45	11.19	8.95	4.25