OneMain Holdings to Report Q2 2026 Earnings on July 29
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 8 hours ago
0mins
Source: Newsfilter
- Earnings Release Schedule: OneMain Holdings plans to report its Q2 2026 results before market open on July 29, which is expected to provide critical insights into the company's financial performance and future outlook, potentially influencing investor decisions.
- Conference Call Details: The company will hold a conference call at 9:00 a.m. Eastern on the same day, allowing the public to participate by dialing 877-407-0792 (U.S. domestic) or 201-689-8263 (international), enhancing transparency and fostering communication with investors.
- Webcast Availability: In addition to the conference call, OneMain will provide a live audio webcast through its investor relations website, ensuring that investors unable to dial in can still access key information, thereby improving information accessibility.
- Company Mission and Vision: OneMain is committed to providing responsible access to credit for nonprime consumers, helping them improve their financial well-being, which showcases the company's dedication to enhancing the financial health of hardworking Americans and strengthens its market position.
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Analyst Views on OMF
Wall Street analysts forecast OMF stock price to rise
11 Analyst Rating
6 Buy
4 Hold
1 Sell
Moderate Buy
Current: 59.620
Low
64.00
Averages
72.20
High
80.00
Current: 59.620
Low
64.00
Averages
72.20
High
80.00
About OMF
OneMain Holdings, Inc. is a financial services holding company. The Company provides personal loan products; offers auto financing; offers credit cards; offers optional products; offers a customer-focused financial wellness program; services loans, and acquisitions and dispositions of assets and businesses. It provides origination, underwriting, and servicing of personal loans, primarily to nonprime customers. In addition, the Company offers two credit cards, BrightWay and BrightWay+, through a third-party bank partner. The Company offers optional credit insurance products, such as credit life insurance, which provides for payment to the lender of the finance receivable in the event of the borrower’s death; credit disability insurance, which provides scheduled monthly loan payments to the lender during a borrower’s disability due to illness or injury, and credit involuntary unemployment insurance, which provides scheduled monthly loan payments during involuntary unemployment.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
OneMain Holdings to Report Q2 2026 Earnings on July 29
- Earnings Release Schedule: OneMain Holdings plans to report its Q2 2026 results before market open on July 29, which is expected to provide critical insights into the company's financial performance and future outlook, potentially influencing investor decisions.
- Conference Call Details: The company will hold a conference call at 9:00 a.m. Eastern on the same day, allowing the public to participate by dialing 877-407-0792 (U.S. domestic) or 201-689-8263 (international), enhancing transparency and fostering communication with investors.
- Webcast Availability: In addition to the conference call, OneMain will provide a live audio webcast through its investor relations website, ensuring that investors unable to dial in can still access key information, thereby improving information accessibility.
- Company Mission and Vision: OneMain is committed to providing responsible access to credit for nonprime consumers, helping them improve their financial well-being, which showcases the company's dedication to enhancing the financial health of hardworking Americans and strengthens its market position.
See More
OneMain Holdings to Report Q2 2026 Earnings on July 29
- Earnings Release Schedule: OneMain Holdings is set to report its Q2 2026 earnings before the market opens on July 29, which is expected to provide crucial insights into the company's financial performance and future outlook, aiding investors in assessing market positioning.
- Conference Call Details: The company will host a conference call at 9:00 a.m. Eastern on the same day, allowing the public to participate by dialing 877-407-0792 (U.S. domestic) or 201-689-8263 (international), ensuring transparency and information sharing.
- Live Streaming and Replay: Investors can listen to the live conference call via OneMain's investor relations website, and those unable to attend live can access a replay on the website afterward, enhancing information accessibility for stakeholders.
- Company Mission and Vision: OneMain Financial is dedicated to providing responsible credit access to nonprime consumers, aiming to improve the financial well-being of hardworking Americans through personalized solutions, reflecting its commitment to making a positive impact on the communities it serves.
See More
Investment Comparison: Nu vs OneMain
- Nu's Growth Potential: In FY 2025, Nu achieved revenue of nearly $16.2 billion, representing a 45% year-over-year increase, with net income close to $2.9 billion and a net margin of approximately 18.1%, showcasing its strong growth potential in the Latin American digital banking market.
- OneMain's Stability: OneMain reported revenue of about $6.2 billion in FY 2025, a 9.1% increase, with net income around $783 million; while its growth rate lags behind digital peers, its focus on nonprime borrowers allows for consistent profitability.
- Risk Analysis: Nu faces regulatory and macroeconomic risks in Brazil that could impact user growth and credit quality, whereas OneMain's high debt-to-equity ratio of approximately 6.7x and reliance on nonprime borrowers make it more vulnerable in uncertain economic conditions.
- Valuation Comparison: Despite Nu's forward P/E ratio of 15.9x reflecting its higher growth expectations, OneMain's lower entry point at 8.3x suggests a more accessible investment, yet Nu's digital scale and market potential position it as a more attractive long-term investment.
See More
Investment Comparison: Nu vs. OneMain
- Customer Growth Momentum: Nu is projected to reach 135 million customers by early 2026, demonstrating strong expansion in the Latin American market, particularly in Brazil, Mexico, and Colombia, which further solidifies its position as a digital banking leader.
- Impressive Financial Performance: In FY 2025, Nu reported nearly $16.2 billion in revenue, a 45% increase year-over-year, with net income close to $2.9 billion and a net margin of 18.1%, indicating effective cost control and profitability during rapid expansion.
- Stability of OneMain: OneMain generated approximately $6.2 billion in revenue for FY 2025, reflecting a 9.1% growth, and while its growth is slower than digital peers, its focus on the nonprime borrower market ensures consistent profitability with a net margin of 12.5%.
- Risks and Challenges: Nu faces regulatory and macroeconomic risks in Brazil, while OneMain is under intense scrutiny from the CFPB and has a high debt-to-equity ratio, which could impact both companies' performance and investment appeal in their respective markets.
See More
Comparative Analysis of OneMain and Upstart
- OneMain's Steady Performance: OneMain's FY 2025 revenue reached nearly $6.2 billion, reflecting a 9.1% increase, with a net income of approximately $783 million and a net margin of 12.5%, indicating a stable recovery in the nonprime borrower market despite macroeconomic risks and competitive pressures.
- Upstart's Rapid Growth: Upstart's revenue surged nearly 59% in FY 2025 to about $1.1 billion, with a net income of roughly $53.6 million and a net margin close to 5.0%, marking a return to profitability after two years of losses, although its high customer concentration poses certain risks.
- Risk Profile Comparison: OneMain faces significant risks from adverse macroeconomic conditions, particularly regarding defaults among its nonprime borrower base, while Upstart relies heavily on a few key partners, and its AI models may encounter pricing errors during rapid economic shifts, adding uncertainty to its business.
- Valuation Differences: OneMain's forward P/E ratio stands at 7.8x, significantly lower than Upstart's 35.1x, highlighting its appeal to value-oriented investors, even as it experienced an uptick in delinquencies early in the year, while Upstart is projected to see a nearly 36% revenue increase in 2026, exceeding $1.4 billion.
See More
Comparative Analysis of OneMain and Upstart in Lending Market
- Profitability Comparison: OneMain's revenue for FY 2025 reached nearly $6.2 billion, reflecting a 9.1% increase year-over-year, with a net income of approximately $783 million and a net margin of 12.5%, showcasing its stable profitability in the nonprime lending market.
- Growth Potential Analysis: Upstart's revenue surged nearly 59% in FY 2025 to about $1.1 billion, achieving a net income of roughly $53.6 million and a net margin close to 5%, indicating strong growth potential for its AI-driven lending platform in a rapidly expanding market.
- Risk Assessment: OneMain faces significant risks from adverse macroeconomic conditions, particularly impacting its nonprime borrower base, while also contending with intense competition from larger financial institutions, which may lead to increased compliance costs.
- Market Outlook: Upstart is projected to see a nearly 36% revenue increase in 2026, exceeding $1.4 billion, compared to OneMain's expected 10% growth, suggesting that Upstart may be more competitive in the future market.
See More
OneMain Holdings to Report Q2 2026 Earnings on July 29
- Earnings Release Schedule: OneMain Holdings plans to report its Q2 2026 results before market open on July 29, which is expected to provide critical insights into the company's financial performance and future outlook, potentially influencing investor decisions.
- Conference Call Details: The company will hold a conference call at 9:00 a.m. Eastern on the same day, allowing the public to participate by dialing 877-407-0792 (U.S. domestic) or 201-689-8263 (international), enhancing transparency and fostering communication with investors.
- Webcast Availability: In addition to the conference call, OneMain will provide a live audio webcast through its investor relations website, ensuring that investors unable to dial in can still access key information, thereby improving information accessibility.
- Company Mission and Vision: OneMain is committed to providing responsible access to credit for nonprime consumers, helping them improve their financial well-being, which showcases the company's dedication to enhancing the financial health of hardworking Americans and strengthens its market position.
See More
OneMain Holdings to Report Q2 2026 Earnings on July 29
- Earnings Release Schedule: OneMain Holdings is set to report its Q2 2026 earnings before the market opens on July 29, which is expected to provide crucial insights into the company's financial performance and future outlook, aiding investors in assessing market positioning.
- Conference Call Details: The company will host a conference call at 9:00 a.m. Eastern on the same day, allowing the public to participate by dialing 877-407-0792 (U.S. domestic) or 201-689-8263 (international), ensuring transparency and information sharing.
- Live Streaming and Replay: Investors can listen to the live conference call via OneMain's investor relations website, and those unable to attend live can access a replay on the website afterward, enhancing information accessibility for stakeholders.
- Company Mission and Vision: OneMain Financial is dedicated to providing responsible credit access to nonprime consumers, aiming to improve the financial well-being of hardworking Americans through personalized solutions, reflecting its commitment to making a positive impact on the communities it serves.
See More
Investment Comparison: Nu vs OneMain
- Nu's Growth Potential: In FY 2025, Nu achieved revenue of nearly $16.2 billion, representing a 45% year-over-year increase, with net income close to $2.9 billion and a net margin of approximately 18.1%, showcasing its strong growth potential in the Latin American digital banking market.
- OneMain's Stability: OneMain reported revenue of about $6.2 billion in FY 2025, a 9.1% increase, with net income around $783 million; while its growth rate lags behind digital peers, its focus on nonprime borrowers allows for consistent profitability.
- Risk Analysis: Nu faces regulatory and macroeconomic risks in Brazil that could impact user growth and credit quality, whereas OneMain's high debt-to-equity ratio of approximately 6.7x and reliance on nonprime borrowers make it more vulnerable in uncertain economic conditions.
- Valuation Comparison: Despite Nu's forward P/E ratio of 15.9x reflecting its higher growth expectations, OneMain's lower entry point at 8.3x suggests a more accessible investment, yet Nu's digital scale and market potential position it as a more attractive long-term investment.
See More
Investment Comparison: Nu vs. OneMain
- Customer Growth Momentum: Nu is projected to reach 135 million customers by early 2026, demonstrating strong expansion in the Latin American market, particularly in Brazil, Mexico, and Colombia, which further solidifies its position as a digital banking leader.
- Impressive Financial Performance: In FY 2025, Nu reported nearly $16.2 billion in revenue, a 45% increase year-over-year, with net income close to $2.9 billion and a net margin of 18.1%, indicating effective cost control and profitability during rapid expansion.
- Stability of OneMain: OneMain generated approximately $6.2 billion in revenue for FY 2025, reflecting a 9.1% growth, and while its growth is slower than digital peers, its focus on the nonprime borrower market ensures consistent profitability with a net margin of 12.5%.
- Risks and Challenges: Nu faces regulatory and macroeconomic risks in Brazil, while OneMain is under intense scrutiny from the CFPB and has a high debt-to-equity ratio, which could impact both companies' performance and investment appeal in their respective markets.
See More
Comparative Analysis of OneMain and Upstart
- OneMain's Steady Performance: OneMain's FY 2025 revenue reached nearly $6.2 billion, reflecting a 9.1% increase, with a net income of approximately $783 million and a net margin of 12.5%, indicating a stable recovery in the nonprime borrower market despite macroeconomic risks and competitive pressures.
- Upstart's Rapid Growth: Upstart's revenue surged nearly 59% in FY 2025 to about $1.1 billion, with a net income of roughly $53.6 million and a net margin close to 5.0%, marking a return to profitability after two years of losses, although its high customer concentration poses certain risks.
- Risk Profile Comparison: OneMain faces significant risks from adverse macroeconomic conditions, particularly regarding defaults among its nonprime borrower base, while Upstart relies heavily on a few key partners, and its AI models may encounter pricing errors during rapid economic shifts, adding uncertainty to its business.
- Valuation Differences: OneMain's forward P/E ratio stands at 7.8x, significantly lower than Upstart's 35.1x, highlighting its appeal to value-oriented investors, even as it experienced an uptick in delinquencies early in the year, while Upstart is projected to see a nearly 36% revenue increase in 2026, exceeding $1.4 billion.
See More
Comparative Analysis of OneMain and Upstart in Lending Market
- Profitability Comparison: OneMain's revenue for FY 2025 reached nearly $6.2 billion, reflecting a 9.1% increase year-over-year, with a net income of approximately $783 million and a net margin of 12.5%, showcasing its stable profitability in the nonprime lending market.
- Growth Potential Analysis: Upstart's revenue surged nearly 59% in FY 2025 to about $1.1 billion, achieving a net income of roughly $53.6 million and a net margin close to 5%, indicating strong growth potential for its AI-driven lending platform in a rapidly expanding market.
- Risk Assessment: OneMain faces significant risks from adverse macroeconomic conditions, particularly impacting its nonprime borrower base, while also contending with intense competition from larger financial institutions, which may lead to increased compliance costs.
- Market Outlook: Upstart is projected to see a nearly 36% revenue increase in 2026, exceeding $1.4 billion, compared to OneMain's expected 10% growth, suggesting that Upstart may be more competitive in the future market.
See More
