Financial health
- Total debt ($22.7B) exceeds cash ($914M); net debt is $21.8B.
Shareholder returns
- Dividends have been paid for 7 consecutive years, consuming 63.7% of earnings.
- The dividend has declined 9.1% per year over the past 5 years.
OMF Financials Onemain Holdings, Inc.
12 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | — | $783M | — | — | 23.0% | 2.9% | — | $22.7B | $914M |
| 2024 | — | $509M | — | — | 16.0% | 2.0% | — | $21.4B | $458M |
| 2023 | — | $641M | — | — | 20.1% | 2.6% | — | $19.8B | $1.0B |
| 2022 | — | $872M | — | — | 28.9% | 3.9% | — | $18.3B | $498M |
| 2021 | — | $1.3B | — | — | 43.3% | 5.9% | — | $17.8B | $541M |
| 2020 | — | $730M | — | — | 21.2% | 3.2% | — | $17.8B | $2.3B |
| 2019 | — | $855M | — | — | 19.7% | 3.7% | — | $17.2B | $1.2B |
| 2018 | — | $447M | — | — | 11.8% | 2.2% | — | $15.2B | $679M |
| 2017 | — | $183M | — | — | 5.6% | 0.9% | — | $15.1B | $987M |
| 2016 | — | $215M | — | — | 7.0% | 1.2% | — | $14.0B | $579M |
| 2015 | — | -$220M | — | — | -7.8% | -1.0% | — | $17.3B | $939M |
| 2014 | — | $463M | — | — | 22.5% | 4.2% | — | $8.4B | $879M |
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Mar '26 | — | $226M | — | — | 6.7% | 0.8% | — | $22.4B | $834M |
| Dec '25 | — | $204M | — | — | 6.0% | 0.7% | — | $22.7B | $914M |
| Sep '25 | — | $199M | — | — | 5.9% | 0.7% | — | $22.3B | $658M |
| Jun '25 | — | $167M | — | — | 5.0% | 0.6% | — | $22.1B | $769M |
| Mar '25 | — | $213M | — | — | 6.5% | 0.8% | — | $21.5B | $627M |
| Dec '24 | — | $126M | — | — | 3.9% | 0.5% | — | $21.4B | $458M |
| Sep '24 | — | $157M | — | — | 4.9% | 0.6% | — | $21.1B | $577M |
| Jun '24 | — | $71M | — | — | 2.3% | 0.3% | — | $20.7B | $667M |
| Mar '24 | — | $155M | — | — | 4.8% | 0.6% | — | $19.5B | $831M |
| Dec '23 | — | $165M | — | — | 5.2% | 0.7% | — | $19.8B | $1.0B |
| Sep '23 | — | $194M | — | — | 6.2% | 0.8% | — | $19.9B | $1.2B |
| Jun '23 | — | $103M | — | — | 3.4% | 0.4% | — | $19.2B | $1.0B |
| Mar '23 | — | $179M | — | — | 5.8% | 0.8% | — | $18.2B | $544M |
| Dec '22 | — | $176M | — | — | 5.8% | 0.8% | — | $18.3B | $498M |
| Sep '22 | — | $185M | — | — | 6.1% | 0.8% | — | $18.2B | $536M |
| Jun '22 | — | $208M | — | — | 6.9% | 0.9% | — | $17.9B | $526M |
| Mar '22 | — | $303M | — | — | 9.9% | 1.4% | — | $17.6B | $640M |
| Dec '21 | — | $263M | — | — | 8.7% | 1.2% | — | $17.8B | $541M |
| Sep '21 | — | $288M | — | — | 9.2% | 1.3% | — | $17.7B | $821M |
| Jun '21 | — | $350M | — | — | 9.9% | 1.6% | — | $17.6B | $1.8B |
Valuation over time
How the market has priced OMF against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has risen from 4.9× (Mar '23) to 9.5× (Sep '26).
- The dividend yield has fallen from 11.2% (Mar '23) to 6.7% (Sep '26).
P/E
Dividend yield %
Frequently asked questions
Is OMF growing its revenue and profit?
See the revenue and net-income charts above for Onemain Holdings, Inc.'s multi-year trend.
How much debt does OMF have?
As of FY2025, Onemain Holdings, Inc. reported $22.7B of total debt against $914M of cash.
What is OMF's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is OMF's P/E ratio?
As of Sep '26, Onemain Holdings, Inc. traded at a price-to-earnings ratio of about 9.5× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.