OneMain Holdings, Inc. financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data OneMain Holdings, Inc. files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Pre-tax income	356	431	624	1,098	977	1,741	1,155	840	667	1,001
Income tax	113	248	177	243	247	427	283	199	158	218
Net income to minority interests	28	0	0
Net income	215	183	447	855	730	1,314	872	641	509	783
EPS, basic	1.60	1.35	3.29	6.28	5.42	9.91	7.02	5.33	4.26	6.59
EPS, diluted	1.59	1.35	3.29	6.27	5.41	9.88	7.01	5.32	4.24	6.56
Shares, basic (weighted)	135	135	136	136	135	133	124	120	120	119
Shares, diluted (weighted)	135	136	136	136	135	133	124	121	120	119
Dividend per share				3.00	5.94	9.55	3.80	4.00	4.12	4.17

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	579	987	679	1,227	2,272	541	498	1,014	458	914
Property, plant and equipment	167	144	133
Lease right-of-use assets				163	153	140	152	165	152	120
Goodwill	1,422	1,422	1,422	1,422	1,422	1,437	1,437	1,437	1,474	1,474
Intangible assets	492	440	388	343	306	274	261	260	286	282
Total assets	18,123	19,433	20,090	22,817	22,471	22,095	22,537	24,294	25,910	27,388
Total liabilities	15,057	16,155	16,291	18,487	19,030	18,986	19,522	21,108	22,719	23,987
Total debt	13,959	15,050	15,178	17,212	17,800	17,750	18,281	19,813	21,438	22,694
Paid-in capital	1,548	1,560	1,681	1,689	1,655	1,672	1,689	1,715	1,734	1,757
Retained earnings	1,523	1,706	2,151	2,596	1,691	1,727	2,119	2,285	2,296	2,579
Treasury stock					0	-368	-667	-728	-759	-895
Other comprehensive income	-6	11	-34	44	18	5	-127	-87	-81	-41
Shareholders' equity	3,066	3,278	3,799	4,330	3,441	3,037	3,015	3,186	3,191	3,401
Minority interests	0
Total equity	3,066	3,278	3,799	4,330	3,441	3,037	3,015	3,186	3,191	3,401
Total liabilities and equity	18,123	19,433	20,090	22,817	22,471	22,079	22,537	24,294	25,910	27,388
Shares outstanding	135	135	136	136	134	128	121	120	119	117

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	243	183	447	855	730	1,314	872	641	509	783
Depreciation and amortization	521	328	289	271	264	264	262	257	277	287
Stock-based compensation	22	17	21	13	17	23	31	36	30	36
Deferred income tax	-97	30	23	1	-42	78	-64	-36	-42	43
Cash from operations	1,322	1,555	2,046	2,362	2,212	2,247	2,387	2,519	2,699	3,132
Acquisitions	0	0					0	0	-64	0
Purchases of investments	-746	-671	-680	-718	-456	-517	-530	-179	-272	-321
Cash from investing	-106	-2,192	-2,397	-3,429	-751	-2,143	-2,119	-2,862	-3,266	-3,161
Debt repaid	-8,320	-4,447	-5,471	-3,961	-6,792	-3,921	-5,149	-3,328	-3,687	-6,824
Stock issued	0	0
Share buybacks			0	0	-45	-368	-303	-65	-35	-141
Dividends paid		0	0	-408	-806	-1,274	-480	-487	-498	-499
Cash from financing	-1,685	975	44	1,521	-370	-1,810	-326	932	161	500
Exchange rate effect	1	0	0
Net change in cash	-468	338	-307	454	1,091	-1,706	-58	589	-406	471
Interest paid	765	746	752	845	978	891	857	968	1,144	1,236
Income taxes paid	249	156	150	261	289	403	343	215	219	127

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to March 31, 2026; growth uses fiscal years. Valuation uses the share price of $57.36 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Effective tax rate	22.1%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	23.6%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	2.9%	Net income / average total assets.

Growth

Metric	Value	How it is calculated
Net income growth, 1y	53.8%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	-3.5%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	1.4%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	54.7%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	-2.2%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	3.9%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	16.0%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	9.5%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	7.2%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Dividend per share growth, 1y	1.2%	Dividend per share vs the same period a year earlier. Only from a positive base.
Dividend per share CAGR, 3y	3.1%	Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Dividend per share CAGR, 5y	-6.8%	Compound annual growth of dividend per share over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y	6.6%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	4.1%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	-0.2%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	5.7%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	6.7%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	4.0%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	-0.7%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	-1.4%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	-2.4%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Debt / equity	6.63x	Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets	82.9%	Total debt / total assets.
Liabilities / assets	87.5%	Total liabilities / total assets.
Net debt	$21.56B	Total debt - cash - short-term investments. Negative means more cash than debt.
Goodwill and intangibles / assets	6.5%	(Goodwill + intangible assets) / total assets.
Tangible book value	$1.62B	Shareholders' equity - goodwill - intangible assets.

Per share

Metric	Value	How it is calculated
EPS, diluted	$6.79	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Operating cash flow per share	$27.34	Cash from operations / diluted weighted shares.
Book value per share	$29.21	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$14.03	Tangible book value / shares outstanding.
Cash per share	$7.21	(Cash + short-term investments) / shares outstanding.
Payout ratio	62.9%	Dividends paid / net income, when net income is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$6.60B	Share price x shares outstanding.
Enterprise value	$28.16B	Market cap + total debt - cash - short-term investments.
P/E	8.29x	Market cap / net income. Only when net income is positive.
P/B	1.95x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	4.07x	Market cap / tangible book value, when positive.
P/OCF	2.06x	Market cap / cash from operations, when positive.
Earnings yield	12.1%	Net income / market cap (the inverse of P/E).
Dividend yield	7.6%	Dividends paid over the period / market cap.
Shareholder yield	11.1%	(Dividends paid + share buybacks) / market cap.

Was OneMain Holdings, Inc. profitable in fiscal 2025?

Yes. Net income was $783.0M, a net margin of -.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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