OneMain Holdings, Inc. (OMF)

OneMain Holdings, Inc. experienced several notable stock events over the past six months. The company reported strong financial results in its Q4 2025 earnings report, with full-year EPS increasing by 36% year-over-year. JPMorgan downgraded OneMain Holdings to "underweight" in January 2026. Shares dipped after President Trump floated the idea of capping credit card rates at 10%. OneMain reported strong Q3 2025 earnings with a 29% year-over-year increase in capital generation. Strong financial results were also reported in Q2 2025, with rising net income, EPS, and receivables. The stock's 52-week range has been between $38.00 and $71.93.

Demand seasonality for OneMain Holdings, Inc.'s products and services is evident in its loss patterns. The company anticipates that losses will follow seasonal patterns, typically running above the expected range in the first half of the year and below the range in the second half. Tax season is identified as an important driver of these seasonal credit trends.

OneMain Holdings, Inc. operates in the financial services sector, specifically in the consumer lending industry, focusing on providing credit access to non-prime consumers in the United States. The company offers personal loans, which can be secured or unsecured, catering to non-prime consumers. OneMain has expanded its multi-product strategy, reaching over 1 million credit card customers in Q3 2025. The company also offers secured auto financing and optional insurance products, including credit insurance, non-credit insurance, GAP coverage, and membership plans.

OneMain Holdings, Inc. serves customers across 44 to 48 states in the United States. The company maintains a substantial physical presence with approximately 1,300 to 1,500 branch locations, complementing its digital offerings.

OneMain Holdings, Inc. has maintained a positive brand reputation by being recognized as one of America's most loved workplaces for the fourth consecutive year in 2025. This distinction reflects a culture built on high performance, teamwork, respect, personal growth, and a shared commitment to serving customers. The company emphasizes its dedication to improving the financial well-being of hardworking Americans and empowering customers through personalized solutions.

OneMain Holdings, Inc. exhibits a high concentration of ownership among institutional investors, holding approximately 81% to 86% of the company's shares. Major institutional owners include Vanguard Group Inc., Capital International Investors, and BlackRock, Inc. Insider ownership is minimal, around 0.40%.