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Did OneMain Holdings beat or miss consensus estimates last quarter?

- **Revenue Growth**: Q3 revenue up 9% YoY to $1.6B, driven by 5% originations growth.
- **Credit Improvement**: Net charge-offs down 51bps YoY to 7.0%, delinquency rate stable at 5.41%.
- **Funding Strength**: Issued $1.6B bonds at 5.2% interest expense, extending debt maturity.
- **Share Buybacks**: $1B repurchase program through 2028, ($32M executed Q3).
- **Capital Gen**: Targeting $12.50/shr capital generation by 2028, excluding ILC charter benefits.


**【CEO Opening Remarks】**
- Q3 2025 revenue grew 9% YoY to $1.6 billion, driven by 5% originations growth and 6% managed receivables expansion.
- Capital generation reached $272 million (+29% YoY), with C&I adjusted EPS of $1.90 (+51% YoY).
- Credit performance improved: 30+ delinquency rate of 5.41% (-16bps YoY), net charge-offs of 7.0% (-51bps YoY).
- Strategic initiatives: expanded credit card portfolio (1 million customers), auto finance receivables up $100 million QoQ, and $1.6 billion unsecured bond issuance.

**【CFO Financial Commentary】**
- GAAP net income of $199 million ($1.67 EPS) vs. $153 million ($1.31 EPS) YoY.
- Operating expenses ratio improved to 6.6%, with strong cost control despite 8% YoY OpEx growth.
- Loan loss ratio stable at 11.5%, with credit card net charge-offs improving 288bps QoQ to 16.7%.
- Full year 2025 guidance: managed receivables growth 6-8% (vs. prior 5-8%), total revenue +9%.

**【Q&A Highlights】**
- **Credit Health**: CEO notes nonprime consumer stability, with net disposable income and unemployment claims stable. Auto portfolio performing in line with expectations.
- **Funding Strategy**: CFO highlights $1.6B bond issuance at 5.2% interest expense ratio, extending debt maturity profile.
- **Buybacks**: $1B share repurchase program through 2028, with $32M executed Q3 and $1.3B YTD.
- **ILC Charter**: CEO sees potential to expand deposit funding and lower-end prime lending if approved, but not critical to current strategy.
- **M&A**: CEO open to tuck-in acquisitions that accelerate growth in cards/auto, but maintains disciplined approach.


OneMain Holdings, Inc. (OMF) Q3 2025 Earnings Call Transcript

Consumer and Insurance

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Push-Down Accounting Adjustments

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