Financials OneMain Holdings, Inc.

Equities

OMF

US68268W1036

Consumer Lending

Market Closed - Nyse Other stock markets 04:00:02 2025-03-17 pm EDT			5-day change	1st Jan Change
48.59 ^USD	-0.08%		+4.27%	-6.79%

Mar. 17	OneMain Financial Elects Andrew D. Macdonald to Board of Directors	CI
Feb. 12	OneMain Holdings, Inc. Presents at Bank of America Securities Financial Services Conference, Feb-12-2025 11:20 AM

Projected Income Statement: OneMain Holdings, Inc.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	3,867	3,958	4,187	4,280	4,506	4,872	5,285	5,838
Change	-	2.35%	5.79%	2.22%	5.28%	8.12%	8.48%	10.46%
EBITDA ¹	2,099	2,855	2,100	-	-	2,396	2,783	-
Change	-	36.02%	-26.44%	-100%	-	-	16.18%	-100%
EBIT ¹	2,405	2,334	2,613	2,561	2,707	2,629	2,825	-
Change	-	-2.95%	11.95%	-1.99%	5.7%	-2.89%	7.48%	-100%
Interest Paid	-	-3,427	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	977	1,741	1,163	840	667	844.2	1,283	1,624
Change	-	78.2%	-33.2%	-27.77%	-20.6%	26.57%	51.94%	26.61%
Net income ¹	730	1,314	878	641	509	661.1	950.8	1,218
Change	-	80%	-33.18%	-26.99%	-20.59%	29.88%	43.83%	28.1%
Announcement Date	2/8/21	2/2/22	2/7/23	2/7/24	1/31/25	-	-	-

¹USD in Million

Estimates

Fiscal Period: December	2020 Q1	2020 Q2	2020 Q3	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4
Net sales ¹	992	954	935	987	916	989	1,031	1,021	1,032	1,039	1,065	1,059	1,032	1,058	1,085	1,103	1,076	1,089	1,163	1,179	1,161	1,188	1,242	1,279	1,278	1,311	1,371	1,411
Change	-	-3.83%	-1.99%	5.56%	-7.19%	7.97%	4.25%	-0.97%	1.08%	0.68%	2.5%	-0.56%	-2.55%	2.52%	2.55%	1.66%	-2.45%	1.21%	6.8%	1.38%	-1.49%	2.29%	4.53%	3.02%	-0.11%	2.59%	4.53%	2.93%
EBITDA	309	409	643	740	842	708	656	648	617	530	473	484	475	-	519	-	510	-	-	-	-	-	-	-	-	-	-	-
Change	-	32.36%	57.21%	15.09%	13.78%	-15.91%	-7.34%	-1.22%	-4.78%	-14.1%	-10.75%	2.33%	-1.86%	-100%	-	-100%	-	-100%	-	-	-	-	-	-	-	-	-	-
EBIT ¹	-	-	-	628	604	-	602	592	635	528	671	658	620	641	662	666	635	660	714	687	713.7	738.8	769.5	777.5	802.5	821.4	856.9	882
Change	-	-	-	-	-3.82%	-100%	-	-1.66%	7.26%	-16.85%	27.08%	-1.94%	-5.78%	3.39%	3.28%	0.6%	-4.65%	3.94%	8.18%	-3.78%	3.89%	3.52%	4.16%	1.04%	3.22%	2.36%	4.32%	2.93%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	43	118	341	476	546	463	376	355	396	280	250	238	235	138	246	220	204	92	207	164	199.4	170.7	223.6	250.4	351.4	274.1	316.1	340.8
Change	-	174.42%	188.98%	39.59%	14.71%	-15.2%	-18.79%	-5.59%	11.55%	-29.29%	-10.71%	-4.8%	-1.26%	-41.28%	78.26%	-10.57%	-7.27%	-54.9%	125%	-20.77%	21.57%	-14.36%	30.98%	11.98%	40.3%	-22%	15.34%	7.82%
Net income ¹	32	89	250	359	413	350	288	262	301	209	188	180	179	103	194	165	155	71	157	126	162.4	135.7	172.9	190	263.8	205.6	237.1	255.4
Change	-	178.12%	180.9%	43.6%	15.04%	-15.25%	-17.71%	-9.03%	14.89%	-30.56%	-10.05%	-4.26%	-0.56%	-42.46%	88.35%	-14.95%	-6.06%	-54.19%	121.13%	-19.75%	28.91%	-16.45%	27.43%	9.87%	38.84%	-22.04%	15.29%	7.72%
Announcement Date	4/27/20	7/27/20	10/26/20	2/8/21	4/26/21	7/21/21	10/20/21	2/2/22	4/28/22	7/27/22	10/26/22	2/7/23	4/25/23	7/26/23	10/25/23	2/7/24	4/30/24	7/31/24	10/30/24	1/31/25	-	-	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: OneMain Holdings, Inc.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt ¹	15,567	17,209	17,783	18,799	20,931	21,759	22,796	-
Change	-	10.55%	3.34%	5.71%	11.34%	3.96%	4.77%	-
Announcement Date	2/8/21	2/2/22	2/7/23	2/7/24	1/31/25	-	-	-

¹USD in Million

Estimates

Cash Flow Forecast: OneMain Holdings, Inc.

Fiscal Period: December	2025	2026
CAPEX ¹	-	-
Change	-	-
Free Cash Flow (FCF) ¹	727.1	1,038
Change	-	42.77%
Announcement Date	-	-

¹USD in Million

Estimates

Forecast Financial Ratios: OneMain Holdings, Inc.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	54.28%	72.13%	50.16%	-	-	49.17%	52.66%	-
EBIT Margin (%)	62.19%	58.97%	62.41%	59.84%	60.08%	53.96%	53.46%	-
EBT Margin (%)	25.27%	43.99%	27.78%	19.63%	14.8%	17.33%	24.27%	27.82%
Net margin (%)	18.88%	33.2%	20.97%	14.98%	11.3%	13.57%	17.99%	20.87%
FCF margin (%)	-	-	-	-	-	14.92%	19.64%	-
FCF / Net Income (%)	-	-	-	-	-	109.99%	109.18%	-
Profitability
ROA	3.2%	6.46%	3.94%	2.7%	2%	3.29%	3.65%	-
ROE	18.79%	40.22%	28.68%	20.67%	15.96%	22.99%	27.67%	-
Financial Health
Leverage (Debt/EBITDA)	7.42x	6.03x	8.47x	-	-	9.08x	8.19x	-
Debt / Free cash flow	-	-	-	-	-	29.93x	21.96x	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	16.4	16.89	-	-	-	-	-	-
Change	-	3.01%	-	-	-	-	-	-
Dividend per Share ¹	5.94	9.55	3.8	4	4.12	4.217	4.215	4.96
Change	-	60.77%	-60.21%	5.26%	3%	2.36%	-0.05%	17.67%
Book Value Per Share ¹	25.61	23.94	25.02	26.6	26.74	28.06	31.89	-
Change	-	-6.51%	4.52%	6.3%	0.53%	4.92%	13.66%	-
EPS ¹	5.41	9.87	7.06	5.32	4.24	5.764	8.172	10.31
Change	-	82.44%	-28.47%	-24.65%	-20.3%	35.95%	41.77%	26.16%
Nbr of stocks (in thousands)	134,326	129,486	122,212	119,904	119,352	119,368	119,368	119,368
Announcement Date	2/8/21	2/2/22	2/7/23	2/7/24	1/31/25	-	-	-