A Look Ahead: OneMain Holdings's Earnings Forecast
Benzinga Insights 9 months ago
Earnings
OneMain Holdings (NYSE:OMF) will release its quarterly earnings report on Thursday, 2026-02-05. Here's a brief overview for investors ahead of the announcement.
Analysts anticipate OneMain Holdings to report an earnings per share (EPS) of $1.55.
The announcement from OneMain Holdings is eagerly anticipated, with investors seeking news of surpassing estimates and favorable guidance for the next quarter.
It's worth noting for new investors that guidance can be a key determinant of stock price movements.
Past Earnings Performance
The company's EPS beat by $0.31 in the last quarter, leading to a 0.0% drop in the share price on the following day.
Here's a look at OneMain Holdings's past performance and the resulting price change:
| Quarter | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|
| EPS Estimate | 1.59 | 1.23 | 1.57 | 1.15 |
| EPS Actual | 1.90 | 1.45 | 1.72 | 1.16 |
| Price Change % | 6.00 | 1.00 | -3.00 | -3.00 |
Stock Performance
Shares of OneMain Holdings were trading at $64.09 as of February 03. Over the last 52-week period, shares are up 11.81%. Given that these returns are generally positive, long-term shareholders should be satisfied going into this earnings release.
Analyst Observations about OneMain Holdings
Understanding market sentiments and expectations within the industry is crucial for investors. This analysis delves into the latest insights on OneMain Holdings.
Analysts have given OneMain Holdings a total of 6 ratings, with the consensus rating being Buy. The average one-year price target is $73.0, indicating a potential 13.9% upside.
Comparing Ratings Among Industry Peers
The below comparison of the analyst ratings and average 1-year price targets of Figure Technology, Credit Acceptance and Enova International, three prominent players in the industry, gives insights for their relative performance expectations and market positioning.
- Analysts currently favor an Outperform trajectory for Figure Technology, with an average 1-year price target of $58.67, suggesting a potential 8.46% downside.
- Analysts currently favor an Neutral trajectory for Credit Acceptance, with an average 1-year price target of $470.0, suggesting a potential 633.34% upside.
- Analysts currently favor an Buy trajectory for Enova International, with an average 1-year price target of $188.0, suggesting a potential 193.34% upside.
Key Findings: Peer Analysis Summary
Within the peer analysis summary, vital metrics for Figure Technology, Credit Acceptance and Enova International are presented, shedding light on their respective standings within the industry and offering valuable insights into their market positions and comparative performance.
| Company | Consensus | Revenue Growth | Gross Profit | Return on Equity |
|---|---|---|---|---|
| FirstCash Hldgs | Buy | 11.73% | $473.71M | 3.82% |
| Figure Technology | Outperform | 86.84% | $126.18M | 5.60% |
| Credit Acceptance | Neutral | -3.04% | $356M | 7.87% |
| Enova International | Buy | 4.57% | $373.75M | 6.03% |
Key Takeaway:
OneMain Holdings ranks in the middle for revenue growth among its peers. It is at the bottom for gross profit. The company is at the top for return on equity.
Discovering OneMain Holdings: A Closer Look
OneMain Holdings Inc is a consumer finance company providing loan products to customers through its branch network and the internet. The company provides personal loan products; offers credit cards; offers optional credit insurance and others; offers a customer-focused financial wellness program, and acquisitions and dispositions of assets and businesses. It provides origination, underwriting, and servicing of personal loans to non-prime customers. The company's reportable segment is Consumer and Insurance. The main source of revenue is net interest income.
A Deep Dive into OneMain Holdings's Financials
Market Capitalization Analysis: Reflecting a smaller scale, the company's market capitalization is positioned below industry averages. This could be attributed to factors such as growth expectations or operational capacity.
Revenue Growth: Over the 3 months period, OneMain Holdings showcased positive performance, achieving a revenue growth rate of 9.45% as of 30 September, 2025. This reflects a substantial increase in the company's top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.
Net Margin: OneMain Holdings's net margin is below industry standards, pointing towards difficulties in achieving strong profitability. With a net margin of 15.62%, the company may encounter challenges in effective cost control.
Return on Equity (ROE): OneMain Holdings's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of 5.94%, the company may face hurdles in achieving optimal financial performance.
Return on Assets (ROA): OneMain Holdings's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of 0.74%, the company may encounter challenges in delivering satisfactory returns from its assets.
Debt Management: OneMain Holdings's debt-to-equity ratio is notably higher than the industry average. With a ratio of 6.61, the company relies more heavily on borrowed funds, indicating a higher level of financial risk.
To track all earnings releases for OneMain Holdings visit their earnings calendar on our site.
This article was generated by Benzinga's automated content engine and reviewed by an editor.