OneMain Holdings, Inc(NYSE:OMF) 
OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses. The company originates, underwrites, and services personal loans secured by automobiles, other titled collateral, or are unsecured. The company also offers credit insurance products...
Website: http://www.onemainfinancial.com
Founded: 1912
Full Time Employees: 9,700
Sector: Financial Services
Industry: Credit Services
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Quarterly
Annual
| Unit: USD | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-06-30 | 2020-03-31 | 2019-12-31 | 2019-09-30 | 2019-06-30 | 2019-03-31 | 2018-12-31 | 2018-09-30 | 2018-03-31 | 2017-12-31 | 2017-09-30 | 2017-06-30 | 2017-03-31 | 2016-12-31 | 2016-09-30 | 2016-06-30 | 2016-03-31 | 2015-12-31 | 2015-09-30 | 2015-03-31 | 2014-12-31 | 2014-06-30 | 2014-03-31 | 2013-12-31 | 2013-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
interest income | 1,416,000,000 | 1,392,000,000 | 1,339,000,000 | 1,308,000,000 | 1,320,000,000 | 1,282,000,000 | 1,219,000,000 | 1,173,000,000 | 1,187,000,000 | 1,167,000,000 | 1,117,000,000 | 1,094,000,000 | 1,122,000,000 | 1,118,000,000 | 1,106,000,000 | 1,089,000,000 | 1,120,000,000 | 1,113,000,000 | 1,071,000,000 | 1,060,000,000 | 1,095,000,000 | 1,089,000,000 | 1,077,000,000 | 1,106,000,000 | 532,750,000 | 552,637,000 | |||||||||||||||||||||
interest expense | 323,000,000 | 320,000,000 | 317,000,000 | 312,000,000 | 311,000,000 | 301,000,000 | 297,000,000 | 277,000,000 | 270,000,000 | 267,000,000 | 244,000,000 | 239,000,000 | 231,000,000 | 223,000,000 | 219,000,000 | 219,000,000 | 234,000,000 | 237,000,000 | 231,000,000 | 235,000,000 | 246,000,000 | 255,000,000 | 271,000,000 | 255,000,000 | 253,000,000 | 244,000,000 | 238,000,000 | 236,000,000 | 228,000,000 | 227,000,000 | 200,000,000 | 204,000,000 | 207,000,000 | 203,000,000 | 202,000,000 | 201,000,000 | 215,000,000 | 214,000,000 | 226,000,000 | 215,000,000 | 171,000,000 | 158,000,000 | 191,301,000 | 205,420,000 | 222,384,000 | 228,439,000 | |
net interest income | 1,093,000,000 | 1,072,000,000 | 1,022,000,000 | 996,000,000 | 1,009,000,000 | 981,000,000 | 922,000,000 | 896,000,000 | 917,000,000 | 900,000,000 | 873,000,000 | 855,000,000 | 891,000,000 | 895,000,000 | 887,000,000 | 870,000,000 | 886,000,000 | 876,000,000 | 840,000,000 | 825,000,000 | 849,000,000 | 834,000,000 | 806,000,000 | 851,000,000 | 854,000,000 | 821,000,000 | 762,000,000 | 720,000,000 | 730,000,000 | 706,000,000 | 662,000,000 | 653,000,000 | 601,000,000 | 569,000,000 | 557,000,000 | 567,000,000 | 555,000,000 | 527,000,000 | 600,000,000 | 469,000,000 | 257,000,000 | 248,000,000 | 341,449,000 | 347,217,000 | 352,760,000 | 356,861,000 | |
provision for finance receivable losses | 543,000,000 | 488,000,000 | 511,000,000 | 456,000,000 | 522,000,000 | 512,000,000 | 575,000,000 | 431,000,000 | 237,000,000 | 226,000,000 | 132,000,000 | -2,000,000 | 133,000,000 | 231,000,000 | |||||||||||||||||||||||||||||||||
net interest income after provision for finance receivable losses | 550,000,000 | 584,000,000 | 511,000,000 | 540,000,000 | 487,000,000 | 469,000,000 | 347,000,000 | 465,000,000 | 649,000,000 | 650,000,000 | 708,000,000 | 827,000,000 | 716,000,000 | 603,000,000 | |||||||||||||||||||||||||||||||||
other revenues: | |||||||||||||||||||||||||||||||||||||||||||||||
insurance | 113,000,000 | 112,000,000 | 111,000,000 | 110,000,000 | 111,000,000 | 111,000,000 | 111,000,000 | 112,000,000 | 113,000,000 | 113,000,000 | 112,000,000 | 111,000,000 | 111,000,000 | 111,000,000 | 111,000,000 | 111,000,000 | 111,000,000 | 109,000,000 | 107,000,000 | 107,000,000 | 109,000,000 | 109,000,000 | 109,000,000 | 117,000,000 | 119,000,000 | 117,000,000 | 114,000,000 | 110,000,000 | 111,000,000 | 106,000,000 | 105,000,000 | 106,000,000 | 107,000,000 | 104,000,000 | 103,000,000 | 107,000,000 | 114,000,000 | 114,000,000 | 114,000,000 | 95,000,000 | 40,000,000 | 36,000,000 | 42,687,000 | 38,419,000 | 41,035,000 | 38,277,000 | |
investment | 22,000,000 | 26,000,000 | 24,000,000 | 26,000,000 | 21,000,000 | 24,000,000 | 30,000,000 | 32,000,000 | 33,000,000 | 32,000,000 | 27,000,000 | 25,000,000 | 21,000,000 | 16,000,000 | 9,000,000 | 15,000,000 | 18,000,000 | 14,000,000 | 17,000,000 | 17,000,000 | 19,000,000 | 17,000,000 | 29,000,000 | 9,000,000 | 24,000,000 | 21,000,000 | 24,000,000 | 26,000,000 | 16,000,000 | 18,000,000 | 13,000,000 | 15,000,000 | 19,000,000 | 20,000,000 | 19,000,000 | 20,000,000 | 22,000,000 | 24,000,000 | 20,000,000 | 8,000,000 | 11,000,000 | 17,000,000 | 10,622,000 | 9,461,000 | 7,445,000 | 6,756,000 | |
gain on sales of finance receivables | 14,000,000 | 17,000,000 | 17,000,000 | 16,000,000 | 5,000,000 | 6,000,000 | 6,000,000 | 6,000,000 | 10,000,000 | 11,000,000 | 13,000,000 | 17,000,000 | 13,000,000 | 17,000,000 | 16,000,000 | 17,000,000 | |||||||||||||||||||||||||||||||
net loss on repurchases and repayments of debt | -2,000,000 | -39,000,000 | -21,000,000 | -5,000,000 | -12,000,000 | -29,000,000 | -1,000,000 | -1,000,000 | -47,000,000 | ||||||||||||||||||||||||||||||||||||||
other | 47,000,000 | 47,000,000 | 45,000,000 | 41,000,000 | 41,000,000 | 42,000,000 | 39,000,000 | 30,000,000 | 32,000,000 | 29,000,000 | 33,000,000 | 24,000,000 | 25,000,000 | 24,000,000 | 20,000,000 | 19,000,000 | 35,000,000 | 33,000,000 | 27,000,000 | 14,000,000 | 9,000,000 | 13,000,000 | 10,000,000 | 15,000,000 | 19,000,000 | 20,000,000 | 30,000,000 | 30,000,000 | 8,000,000 | 20,000,000 | 19,000,000 | 25,000,000 | 27,000,000 | 24,000,000 | 19,000,000 | 21,000,000 | 26,000,000 | 18,000,000 | -2,000,000 | -2,000,000 | 2,752,000 | 1,820,000 | -1,576,000 | 1,603,000 | |||
total other revenues | 194,000,000 | 163,000,000 | 176,000,000 | 188,000,000 | 159,000,000 | 182,000,000 | 174,000,000 | 180,000,000 | 187,000,000 | 185,000,000 | 185,000,000 | 177,000,000 | 169,000,000 | 170,000,000 | 128,000,000 | 162,000,000 | 135,000,000 | 155,000,000 | 150,000,000 | 91,000,000 | 136,000,000 | 101,000,000 | 148,000,000 | 141,000,000 | 162,000,000 | 156,000,000 | 156,000,000 | 148,000,000 | 153,000,000 | 144,000,000 | 137,000,000 | 146,000,000 | 152,000,000 | 121,000,000 | 141,000,000 | 147,000,000 | 158,000,000 | 165,000,000 | 361,000,000 | 103,000,000 | 51,000,000 | 51,000,000 | 91,343,000 | 81,404,000 | 45,801,000 | 12,133,000 | |
other expenses: | |||||||||||||||||||||||||||||||||||||||||||||||
salaries and benefits | 240,000,000 | 234,000,000 | 230,000,000 | 218,000,000 | 230,000,000 | 220,000,000 | 206,000,000 | 224,000,000 | 206,000,000 | 217,000,000 | 219,000,000 | 212,000,000 | 215,000,000 | 212,000,000 | 205,000,000 | 205,000,000 | 226,000,000 | 229,000,000 | 194,000,000 | 189,000,000 | 188,000,000 | 186,000,000 | 184,000,000 | 199,000,000 | 199,000,000 | 205,000,000 | 204,000,000 | 199,000,000 | 206,000,000 | 197,000,000 | 194,000,000 | 195,000,000 | 185,000,000 | 191,000,000 | 186,000,000 | 191,000,000 | 191,000,000 | 192,000,000 | 214,000,000 | 180,000,000 | 100,000,000 | 93,000,000 | 91,283,000 | 92,519,000 | 92,078,000 | 214,552,000 | |
other operating expenses | 207,000,000 | 202,000,000 | 189,000,000 | 186,000,000 | 203,000,000 | 181,000,000 | 176,000,000 | 167,000,000 | 181,000,000 | 164,000,000 | 178,000,000 | 153,000,000 | 170,000,000 | 151,000,000 | 151,000,000 | 148,000,000 | 152,000,000 | 155,000,000 | 153,000,000 | 150,000,000 | 148,000,000 | 134,000,000 | 139,000,000 | 151,000,000 | 137,000,000 | 146,000,000 | 140,000,000 | 136,000,000 | 130,000,000 | 141,000,000 | 128,000,000 | 131,000,000 | 134,000,000 | 137,000,000 | 142,000,000 | 164,000,000 | 168,000,000 | 177,000,000 | 167,000,000 | 117,000,000 | 87,000,000 | 65,000,000 | 60,063,000 | 57,709,000 | 61,798,000 | 69,595,000 | |
insurance policy benefits and claims | 48,000,000 | 48,000,000 | 54,000,000 | 49,000,000 | 49,000,000 | 43,000,000 | 47,000,000 | 50,000,000 | 50,000,000 | 48,000,000 | 44,000,000 | 47,000,000 | 34,000,000 | 31,000,000 | 40,000,000 | 45,000,000 | 51,000,000 | 45,000,000 | 48,000,000 | 33,000,000 | 41,000,000 | 43,000,000 | 90,000,000 | 68,000,000 | 44,000,000 | 47,000,000 | 50,000,000 | 45,000,000 | 48,000,000 | 48,000,000 | 45,000,000 | 45,000,000 | 48,000,000 | 46,000,000 | 45,000,000 | 39,000,000 | 37,000,000 | 46,000,000 | 45,000,000 | ||||||||
total other expenses | 495,000,000 | 484,000,000 | 473,000,000 | 453,000,000 | 482,000,000 | 444,000,000 | 429,000,000 | 441,000,000 | 429,000,000 | 429,000,000 | 395,000,000 | 372,000,000 | 377,000,000 | 363,000,000 | |||||||||||||||||||||||||||||||||
income before income taxes | 249,000,000 | 263,000,000 | 214,000,000 | 275,000,000 | 164,000,000 | 207,000,000 | 92,000,000 | 204,000,000 | 221,000,000 | 246,000,000 | 138,000,000 | 235,000,000 | 237,000,000 | 250,000,000 | 280,000,000 | 396,000,000 | 355,000,000 | 376,000,000 | 463,000,000 | 546,000,000 | 475,000,000 | 341,000,000 | 118,000,000 | 43,000,000 | 343,000,000 | 297,000,000 | 256,000,000 | 202,000,000 | 214,000,000 | 199,000,000 | 168,000,000 | 61,000,000 | 121,000,000 | 66,000,000 | 57,000,000 | ||||||||||||
income taxes | 45,000,000 | 64,000,000 | 47,000,000 | 62,000,000 | 38,000,000 | 50,000,000 | 21,000,000 | 49,000,000 | 56,000,000 | 52,000,000 | 35,000,000 | 56,000,000 | 57,000,000 | 62,000,000 | 71,000,000 | 95,000,000 | 92,000,000 | 88,000,000 | 113,000,000 | 133,000,000 | 116,000,000 | 91,000,000 | 29,000,000 | 11,000,000 | 82,000,000 | 49,000,000 | 62,000,000 | 50,000,000 | 46,000,000 | 51,000,000 | 44,000,000 | 25,000,000 | 52,000,000 | 24,000,000 | 24,000,000 | ||||||||||||
net income | 204,000,000 | 199,000,000 | 167,000,000 | 213,000,000 | 126,000,000 | 157,000,000 | 71,000,000 | 155,000,000 | 165,000,000 | 194,000,000 | 103,000,000 | 179,000,000 | 180,000,000 | 188,000,000 | 209,000,000 | 301,000,000 | 263,000,000 | 288,000,000 | 350,000,000 | 413,000,000 | 359,000,000 | 250,000,000 | 89,000,000 | 32,000,000 | 261,000,000 | 248,000,000 | 194,000,000 | 152,000,000 | 168,000,000 | 148,000,000 | 124,000,000 | 39,000,000 | 69,000,000 | 42,000,000 | 33,000,000 | 27,000,000 | 25,000,000 | 26,000,000 | 179,000,000 | -192,000,000 | 20,000,000 | 31,000,000 | 102,678,000 | 68,632,000 | 55,805,000 | ||
yoy | 61.90% | 26.75% | 135.21% | 37.42% | -23.64% | -19.07% | -31.07% | -13.41% | -8.33% | 3.19% | -50.72% | -40.53% | -31.56% | -34.72% | -40.29% | -27.12% | -26.74% | 15.20% | 293.26% | 1190.63% | 37.55% | 0.81% | -54.12% | -78.95% | 55.36% | 67.57% | 56.45% | 289.74% | 143.48% | 252.38% | 275.76% | 44.44% | 176.00% | 61.54% | -81.56% | -114.06% | 25.00% | -16.13% | -286.99% | -70.86% | -44.45% | ||||||
qoq | 2.51% | 19.16% | -21.60% | 69.05% | -19.75% | 121.13% | -54.19% | -6.06% | -14.95% | 88.35% | -42.46% | -0.56% | -4.26% | -10.05% | -30.56% | 14.45% | -8.68% | -17.71% | -15.25% | 15.04% | 43.60% | 180.90% | 178.13% | -87.74% | 5.24% | 27.84% | 27.63% | -9.52% | 13.51% | 19.35% | 217.95% | -43.48% | 64.29% | 27.27% | 22.22% | 8.00% | -3.85% | -85.47% | -193.23% | -1060.00% | -35.48% | 49.61% | 22.99% | ||||
share data: | |||||||||||||||||||||||||||||||||||||||||||||||
weighted-average number of shares outstanding: | |||||||||||||||||||||||||||||||||||||||||||||||
basic | 118,664,220,000,000 | 118,759,941,000,000 | 118,953,510,000,000 | 119,399,008,000,000 | 119,659,278,000,000 | 119,674,809,000,000 | 119,787,550,000,000 | 119,829,174,000,000 | 120,382,227,000,000 | 120,407,889,000,000 | 120,539,759,000,000 | 120,765,661,000,000 | 124,178,643,000,000 | 123,352,522,000,000 | 124,539,551,000,000 | 127,075,714,000,000 | 132,653,889,000,000 | 132,487,234,000,000 | 134,255,916,000,000 | 134,405,368,000,000 | 134,716,012,000,000 | 134,321,929,000,000 | 134,316,252,000,000 | 135,909,100,000,000 | 136,070,837,000,000 | 136,095,481,000,000 | 136,083,993,000,000 | 136,001,996,000,000 | 135,702,989,000,000 | 135,756,479,000,000 | 135,596,279,000,000 | 135,249,314,000,000 | 135,253,493,000,000 | 135,249,610,000,000 | 135,218,586,000,000 | 134,718,588,000,000 | 134,730,251,000,000 | 134,728,465,000,000 | 134,694,759,000,000 | 127,910,680,000,000 | 134,452,763,000,000 | 115,027,470,000,000 | 114,791,225,000 | 114,788,439,000 | 114,788,439,000 | ||
diluted | 119,268,556,000,000 | 119,420,044,000,000 | 119,392,819,000,000 | 119,969,713,000,000 | 120,119,983,000,000 | 120,118,107,000,000 | 120,185,181,000,000 | 120,244,669,000,000 | 120,629,590,000,000 | 120,754,694,000,000 | 120,646,869,000,000 | 120,969,891,000,000 | 124,417,274,000,000 | 123,568,620,000,000 | 124,697,971,000,000 | 127,463,027,000,000 | 133,054,494,000,000 | 132,924,333,000,000 | 134,644,350,000,000 | 134,807,165,000,000 | 134,919,258,000,000 | 134,507,549,000,000 | 134,379,576,000,000 | 136,138,677,000,000 | 136,326,911,000,000 | 136,376,051,000,000 | 136,248,813,000,000 | 136,191,283,000,000 | 136,034,143,000,000 | 136,107,045,000,000 | 135,897,296,000,000 | 135,678,991,000,000 | 135,711,212,000,000 | 135,513,427,000,000 | 135,573,167,000,000 | 135,135,860,000,000 | 134,987,134,000,000 | 134,952,992,000,000 | 134,907,748,000,000 | 127,910,680,000,000 | 134,452,763,000,000 | 115,027,470,000,000 | 115,265,123,000 | 115,176,021,000 | 115,144,858,000 | ||
earnings per share: | |||||||||||||||||||||||||||||||||||||||||||||||
basic | 1.73 | 1.67 | 1.4 | 1.79 | 1.06 | 1.32 | 0.59 | 1.29 | 1.38 | 1.61 | 0.85 | 1.48 | 1.49 | 1.52 | 1.68 | 2.37 | 2.04 | 2.17 | 2.61 | 3.07 | 2.67 | 1.86 | 0.66 | 0.24 | 1.92 | 1.82 | 1.43 | 1.12 | 1.24 | 1.09 | 0.91 | 0.28 | 0.52 | 0.31 | 0.25 | 0.2 | 0.19 | 0.19 | 1.14 | -1.71 | -0.08 | 0.63 | 0.46 | ||||
diluted | 1.72 | 1.67 | 1.4 | 1.78 | 1.06 | 1.31 | 0.59 | 1.29 | 1.38 | 1.61 | 0.85 | 1.48 | 1.49 | 1.52 | 1.68 | 2.36 | 2.03 | 2.17 | 2.6 | 3.06 | 2.66 | 1.86 | 0.66 | 0.24 | 1.91 | 1.82 | 1.42 | 1.11 | 1.24 | 1.09 | 0.91 | 0.28 | 0.51 | 0.3 | 0.25 | 0.2 | 0.19 | 0.19 | 1.13 | -1.71 | -0.08 | 0.63 | 0.45 | ||||
net gain on repurchases and repayments of debt | -3,750,000 | -1,000,000 | 250,000 | -6,500,000 | 2,000,000 | ||||||||||||||||||||||||||||||||||||||||||
benefit from finance receivable losses | 446,000,000 | 410,000,000 | 479,000,000 | 385,000,000 | 404,000,000 | 421,000,000 | 339,000,000 | 238,000,000 | 423,000,000 | 531,000,000 | 293,000,000 | 282,000,000 | 268,000,000 | 286,000,000 | 278,000,000 | 256,000,000 | 254,000,000 | 231,000,000 | 243,000,000 | 236,000,000 | 245,000,000 | 258,000,000 | 263,000,000 | 214,000,000 | 227,000,000 | 510,000,000 | 82,000,000 | 87,000,000 | 115,347,000 | 160,878,000 | 185,938,000 | 158,785,000 | |||||||||||||||
net interest income after benefit from finance receivable losses | 471,000,000 | 490,000,000 | 394,000,000 | 470,000,000 | 487,000,000 | 474,000,000 | 548,000,000 | 632,000,000 | 383,000,000 | 320,000,000 | 561,000,000 | 539,000,000 | 494,000,000 | 434,000,000 | 452,000,000 | 450,000,000 | 408,000,000 | 422,000,000 | 358,000,000 | 333,000,000 | 312,000,000 | 309,000,000 | 292,000,000 | 313,000,000 | 373,000,000 | -41,000,000 | 175,000,000 | 161,000,000 | 226,102,000 | 186,339,000 | 166,822,000 | 198,076,000 | |||||||||||||||
other incomes: | |||||||||||||||||||||||||||||||||||||||||||||||
total other incomes | 437,000,000 | 429,000,000 | 441,000,000 | 412,000,000 | 419,000,000 | 394,000,000 | 396,000,000 | 398,000,000 | 413,000,000 | 418,000,000 | 380,000,000 | 398,000,000 | 394,000,000 | 380,000,000 | 391,000,000 | 395,000,000 | 377,000,000 | 381,000,000 | 389,000,000 | 388,000,000 | 396,000,000 | 427,000,000 | 417,000,000 | 436,000,000 | 459,000,000 | 402,000,000 | 204,000,000 | 174,000,000 | 170,013,000 | 168,593,000 | 171,105,000 | 300,697,000 | |||||||||||||||
net income on repurchases and repayments of debt | -28,000,000 | -2,000,000 | -12,000,000 | -21,000,000 | -1,000,000 | -27,000,000 | -1,000,000 | -13,000,000 | |||||||||||||||||||||||||||||||||||||||
net loss on repurchase and repayment of debt | -9,500,000 | -38,000,000 | |||||||||||||||||||||||||||||||||||||||||||||
net gain on sale of real estate loans | 750,000 | 3,000,000 | |||||||||||||||||||||||||||||||||||||||||||||
net income on repurchase and repayment of debt | |||||||||||||||||||||||||||||||||||||||||||||||
interest income: | |||||||||||||||||||||||||||||||||||||||||||||||
finance charges | 1,104,000,000 | 1,062,000,000 | 998,000,000 | 953,000,000 | 953,000,000 | 930,000,000 | 859,000,000 | 854,000,000 | 805,000,000 | 768,000,000 | 756,000,000 | 765,000,000 | 763,000,000 | 723,000,000 | 779,000,000 | 636,000,000 | 424,000,000 | 402,000,000 | 394,733,500 | 585,300,000 | |||||||||||||||||||||||||||
finance receivables held for sale | 3,000,000 | 3,000,000 | 2,000,000 | 3,000,000 | |||||||||||||||||||||||||||||||||||||||||||
total interest income | 1,107,000,000 | 1,065,000,000 | 1,000,000,000 | 956,000,000 | 958,000,000 | 933,000,000 | 862,000,000 | 857,000,000 | 808,000,000 | 772,000,000 | 759,000,000 | 768,000,000 | 770,000,000 | 741,000,000 | 826,000,000 | 684,000,000 | 428,000,000 | 406,000,000 | 394,733,500 | 585,300,000 | |||||||||||||||||||||||||||
finance receivables held for sale originated as held for investment | 5,000,000 | 3,000,000 | 3,000,000 | 3,000,000 | 3,000,000 | 4,000,000 | 3,000,000 | 3,000,000 | 7,000,000 | 18,000,000 | 47,000,000 | 48,000,000 | 4,000,000 | 4,000,000 | |||||||||||||||||||||||||||||||||
operating expenses: | |||||||||||||||||||||||||||||||||||||||||||||||
acquisition-related transaction and integration expenses | 7,000,000 | 9,000,000 | 10,000,000 | 10,000,000 | 22,000,000 | 14,000,000 | 23,000,000 | 33,000,000 | 21,000,000 | 21,000,000 | 33,000,000 | ||||||||||||||||||||||||||||||||||||
net gain on sale of springcastle interests | 229,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
net gain on sales of personal and real estate loans | 4,500,000 | -4,000,000 | |||||||||||||||||||||||||||||||||||||||||||||
net income attributable to non-controlling interests | 26,000,000 | 27,000,000 | 31,000,000 | 31,000,000 | 30,289,000 | 16,308,000 | |||||||||||||||||||||||||||||||||||||||||
net income attributable to onemain holdings, inc. | 39,000,000 | 69,000,000 | 42,000,000 | 33,000,000 | 27,000,000 | 25,000,000 | 26,000,000 | 153,000,000 | |||||||||||||||||||||||||||||||||||||||
net gain on sale of personal loans | 22,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
income before benefit from income taxes | 29,000,000 | 33,000,000 | 42,000,000 | 275,000,000 | -340,000,000 | 22,000,000 | 38,000,000 | 147,432,000 | 99,150,000 | 41,518,000 | |||||||||||||||||||||||||||||||||||||
benefit from income taxes | 2,000,000 | 8,000,000 | 16,000,000 | 96,000,000 | -148,000,000 | 2,000,000 | 7,000,000 | 44,754,000 | 30,518,000 | ||||||||||||||||||||||||||||||||||||||
net gain on fair value adjustments on debt | 482,000 | ||||||||||||||||||||||||||||||||||||||||||||||
net gain on sales of real estate loans and related trust assets | 34,800,000 | 55,186,000 | |||||||||||||||||||||||||||||||||||||||||||||
insurance losses and loss adjustment expenses | 13,250,000 | 17,000,000 | 16,000,000 | 18,667,000 | 18,365,000 | 17,229,000 | 16,550,000 | ||||||||||||||||||||||||||||||||||||||||
net income attributable to springleaf holdings, inc. | -5,750,000 | -11,000,000 | 72,389,000 | 52,324,000 | 26,561,000 | -90,733,000 | |||||||||||||||||||||||||||||||||||||||||
net income on fair value adjustments on debt | |||||||||||||||||||||||||||||||||||||||||||||||
restructuring expenses | |||||||||||||||||||||||||||||||||||||||||||||||
less: net income attributable to non-controlling interests | 20,949,750 | 29,851,000 | |||||||||||||||||||||||||||||||||||||||||||||
weighted-average number of shares outstanding: | |||||||||||||||||||||||||||||||||||||||||||||||
basic and diluted | 102,917,172,000 | 100,000,000,000 | |||||||||||||||||||||||||||||||||||||||||||||
earnings per share: | |||||||||||||||||||||||||||||||||||||||||||||||
basic and diluted | 0.27 | -0.91 |
Balance Sheets:
Quarterly
Annual
| Unit: USD | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-06-30 | 2020-03-31 | 2019-12-31 | 2019-09-30 | 2019-06-30 | 2019-03-31 | 2018-12-31 | 2018-09-30 | 2018-03-31 | 2017-12-31 | 2017-09-30 | 2017-06-30 | 2017-03-31 | 2016-12-31 | 2016-09-30 | 2016-06-30 | 2016-03-31 | 2015-12-31 | 2015-09-30 | 2015-03-31 | 2014-12-31 | 2014-06-30 | 2014-03-31 | 2013-12-31 | 2013-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
assets | |||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents | 914,000,000 | 658,000,000 | 769,000,000 | 627,000,000 | 458,000,000 | 577,000,000 | 667,000,000 | 831,000,000 | 1,014,000,000 | 1,190,000,000 | 1,021,000,000 | 544,000,000 | 498,000,000 | 536,000,000 | 526,000,000 | 640,000,000 | 541,000,000 | 821,000,000 | 1,787,000,000 | 1,301,000,000 | 2,272,000,000 | 1,944,000,000 | 2,740,000,000 | 4,203,000,000 | 1,227,000,000 | 1,393,000,000 | 786,000,000 | 1,709,000,000 | 679,000,000 | 1,243,000,000 | 1,807,000,000 | 987,000,000 | 916,000,000 | 862,000,000 | 787,000,000 | 579,000,000 | 658,000,000 | 742,000,000 | 716,000,000 | 939,000,000 | 3,865,000,000 | 2,421,000,000 | 878,826,000 | 891,341,000 | 764,163,000 | 431,409,000 | 1,249,636,000 |
investment securities | 1,590,000,000 | 1,657,000,000 | 1,683,000,000 | 1,670,000,000 | 1,607,000,000 | 1,581,000,000 | 1,681,000,000 | 1,691,000,000 | 1,719,000,000 | 1,635,000,000 | 1,710,000,000 | 1,786,000,000 | 1,800,000,000 | 1,747,000,000 | 1,773,000,000 | 1,778,000,000 | 1,992,000,000 | 1,963,000,000 | 1,969,000,000 | 1,951,000,000 | 1,922,000,000 | 1,882,000,000 | 1,862,000,000 | 1,800,000,000 | 1,884,000,000 | 1,779,000,000 | 1,721,000,000 | 1,743,000,000 | 1,694,000,000 | 1,707,000,000 | 1,706,000,000 | 1,697,000,000 | 1,668,000,000 | 1,750,000,000 | 1,755,000,000 | 1,764,000,000 | 1,788,000,000 | 1,744,000,000 | 1,872,000,000 | 1,867,000,000 | 1,742,000,000 | 2,736,000,000 | 2,934,749,000 | 657,483,000 | 635,043,000 | 582,090,000 | 594,471,000 |
net finance receivables | 24,833,000,000 | 24,465,000,000 | 23,870,000,000 | 23,328,000,000 | 23,554,000,000 | 23,075,000,000 | 22,365,000,000 | 21,083,000,000 | 21,349,000,000 | 21,067,000,000 | 20,510,000,000 | 19,809,000,000 | 19,986,000,000 | 19,752,000,000 | 19,448,000,000 | 18,979,000,000 | 19,212,000,000 | 18,843,000,000 | 18,163,000,000 | 17,564,000,000 | 18,084,000,000 | 17,817,000,000 | 17,721,000,000 | 18,269,000,000 | 18,389,000,000 | 17,791,000,000 | 16,980,000,000 | 16,136,000,000 | 16,164,000,000 | 15,750,000,000 | 14,987,000,000 | 14,957,000,000 | 14,496,000,000 | 14,050,000,000 | 13,388,000,000 | 13,732,000,000 | 13,870,000,000 | 13,757,000,000 | 13,731,000,000 | 15,390,000,000 | 6,302,000,000 | 6,422,000,000 | 6,483,402,000 | 12,019,391,000 | 12,576,049,000 | 13,758,313,000 | 14,011,630,000 |
unearned insurance premium and claim reserves | -791,000,000 | -783,000,000 | -764,000,000 | -747,000,000 | -766,000,000 | -765,000,000 | -753,000,000 | -749,000,000 | -771,000,000 | -772,000,000 | -761,000,000 | -740,000,000 | -749,000,000 | -747,000,000 | -754,000,000 | -741,000,000 | -761,000,000 | -750,000,000 | -728,000,000 | -719,000,000 | -771,000,000 | -778,000,000 | -791,000,000 | -797,000,000 | -793,000,000 | -762,000,000 | -720,000,000 | -668,000,000 | -662,000,000 | -631,000,000 | -585,000,000 | -590,000,000 | -574,000,000 | -572,000,000 | -558,000,000 | -586,000,000 | -608,000,000 | -618,000,000 | -643,000,000 | -662,000,000 | |||||||
allowance for finance receivable losses | -2,865,000,000 | -2,815,000,000 | -2,754,000,000 | -2,688,000,000 | -2,705,000,000 | -2,645,000,000 | -2,564,000,000 | -2,454,000,000 | -2,480,000,000 | -2,449,000,000 | -2,392,000,000 | -2,298,000,000 | -2,311,000,000 | -2,255,000,000 | -2,127,000,000 | -2,071,000,000 | -2,095,000,000 | -2,061,000,000 | -2,000,000,000 | -2,062,000,000 | -2,269,000,000 | -2,324,000,000 | -2,324,000,000 | -2,182,000,000 | -829,000,000 | -798,000,000 | -744,000,000 | -733,000,000 | -731,000,000 | -706,000,000 | -689,000,000 | -697,000,000 | -698,000,000 | -676,000,000 | -666,000,000 | -689,000,000 | -672,000,000 | -608,000,000 | -600,000,000 | -587,000,000 | -193,000,000 | -177,000,000 | -175,749,000 | ||||
net finance receivables, less unearned insurance premium and claim reserves and allowance for finance receivable losses | 21,177,000,000 | 20,867,000,000 | 20,352,000,000 | 19,893,000,000 | 20,083,000,000 | 19,665,000,000 | 19,048,000,000 | 17,880,000,000 | 18,098,000,000 | 17,846,000,000 | 17,357,000,000 | 16,771,000,000 | 16,926,000,000 | 16,750,000,000 | 16,567,000,000 | 16,167,000,000 | 16,356,000,000 | 16,032,000,000 | 15,435,000,000 | 14,783,000,000 | 15,044,000,000 | 14,715,000,000 | 14,606,000,000 | 15,290,000,000 | 16,767,000,000 | 16,231,000,000 | 15,516,000,000 | 14,735,000,000 | 14,771,000,000 | 14,413,000,000 | 13,713,000,000 | 13,670,000,000 | 13,224,000,000 | 12,802,000,000 | 12,164,000,000 | 12,457,000,000 | 12,590,000,000 | 12,531,000,000 | 12,488,000,000 | 14,141,000,000 | |||||||
restricted cash and restricted cash equivalents | 699,000,000 | 748,000,000 | 742,000,000 | 736,000,000 | 684,000,000 | 693,000,000 | 630,000,000 | 599,000,000 | 534,000,000 | 580,000,000 | 532,000,000 | 531,000,000 | 461,000,000 | 483,000,000 | 534,000,000 | 531,000,000 | 476,000,000 | 459,000,000 | 507,000,000 | 571,000,000 | 451,000,000 | 497,000,000 | 487,000,000 | 575,000,000 | 405,000,000 | 434,000,000 | 420,000,000 | 575,000,000 | 499,000,000 | 495,000,000 | 679,000,000 | 498,000,000 | 571,000,000 | 545,000,000 | 558,000,000 | ||||||||||||
goodwill | 1,474,000,000 | 1,474,000,000 | 1,474,000,000 | 1,474,000,000 | 1,474,000,000 | 1,474,000,000 | 1,474,000,000 | 1,437,000,000 | 1,437,000,000 | 1,437,000,000 | 1,437,000,000 | 1,437,000,000 | 1,437,000,000 | 1,437,000,000 | 1,437,000,000 | 1,437,000,000 | 1,437,000,000 | 1,437,000,000 | 1,437,000,000 | 1,422,000,000 | 1,422,000,000 | 1,422,000,000 | 1,422,000,000 | 1,422,000,000 | 1,422,000,000 | 1,422,000,000 | 1,422,000,000 | 1,422,000,000 | 1,422,000,000 | 1,422,000,000 | 1,422,000,000 | 1,422,000,000 | 1,422,000,000 | 1,422,000,000 | 1,422,000,000 | 1,422,000,000 | 1,422,000,000 | 1,422,000,000 | 1,422,000,000 | 1,440,000,000 | |||||||
other intangible assets | 282,000,000 | 284,000,000 | 285,000,000 | 285,000,000 | 286,000,000 | 288,000,000 | 289,000,000 | 259,000,000 | 260,000,000 | 260,000,000 | 260,000,000 | 261,000,000 | 261,000,000 | 272,000,000 | 273,000,000 | 274,000,000 | 274,000,000 | 278,000,000 | 287,000,000 | 296,000,000 | 306,000,000 | 315,000,000 | 324,000,000 | 334,000,000 | 343,000,000 | 352,000,000 | 362,000,000 | 372,000,000 | 388,000,000 | 398,000,000 | 428,000,000 | 440,000,000 | 452,000,000 | 464,000,000 | 477,000,000 | 492,000,000 | 507,000,000 | 523,000,000 | 539,000,000 | 559,000,000 | |||||||
other assets | 1,252,000,000 | 1,297,000,000 | 1,323,000,000 | 1,344,000,000 | 1,318,000,000 | 1,300,000,000 | 1,296,000,000 | 1,211,000,000 | 1,232,000,000 | 1,198,000,000 | 1,194,000,000 | 1,113,000,000 | 1,150,000,000 | 1,116,000,000 | 1,085,000,000 | 981,000,000 | 1,003,000,000 | 973,000,000 | 955,000,000 | 961,000,000 | 1,054,000,000 | 1,082,000,000 | 1,067,000,000 | 1,069,000,000 | 705,000,000 | 730,000,000 | 716,000,000 | 724,000,000 | 534,000,000 | 583,000,000 | 586,000,000 | 587,000,000 | 660,000,000 | 712,000,000 | 662,000,000 | 688,000,000 | 664,000,000 | 612,000,000 | 654,000,000 | 638,000,000 | 501,000,000 | 462,000,000 | 513,694,000 | 396,255,000 | 394,904,000 | 428,194,000 | 422,167,000 |
total assets | 27,388,000,000 | 26,985,000,000 | 26,628,000,000 | 26,029,000,000 | 25,910,000,000 | 25,578,000,000 | 25,085,000,000 | 23,908,000,000 | 24,294,000,000 | 24,146,000,000 | 23,511,000,000 | 22,443,000,000 | 22,533,000,000 | 22,341,000,000 | 22,195,000,000 | 21,808,000,000 | 22,079,000,000 | 21,963,000,000 | 22,377,000,000 | 21,285,000,000 | 22,471,000,000 | 21,857,000,000 | 22,508,000,000 | 24,693,000,000 | 22,817,000,000 | 22,410,000,000 | 21,017,000,000 | 21,358,000,000 | 20,090,000,000 | 20,468,000,000 | 20,467,000,000 | 19,433,000,000 | 19,050,000,000 | 18,698,000,000 | 17,973,000,000 | 18,123,000,000 | 18,353,000,000 | 18,544,000,000 | 19,055,000,000 | 21,056,000,000 | 13,284,000,000 | 12,407,000,000 | 11,057,864,000 | 14,083,358,000 | 14,522,365,000 | 15,402,686,000 | 16,427,363,000 |
liabilities and shareholders’ equity | |||||||||||||||||||||||||||||||||||||||||||||||
long-term debt | 22,694,000,000 | 22,338,000,000 | 22,053,000,000 | 21,494,000,000 | 21,438,000,000 | 21,137,000,000 | 20,671,000,000 | 19,520,000,000 | 19,813,000,000 | 19,851,000,000 | 19,195,000,000 | 18,206,000,000 | 18,281,000,000 | 18,202,000,000 | 17,922,000,000 | 17,560,000,000 | 17,750,000,000 | 17,661,000,000 | 17,605,000,000 | 16,789,000,000 | 17,800,000,000 | 17,531,000,000 | 18,010,000,000 | 20,443,000,000 | 17,212,000,000 | 17,021,000,000 | 15,551,000,000 | 16,117,000,000 | 15,178,000,000 | 15,731,000,000 | 15,898,000,000 | 15,050,000,000 | 14,619,000,000 | 14,409,000,000 | 13,679,000,000 | 13,959,000,000 | 13,994,000,000 | 14,362,000,000 | 14,870,000,000 | 17,300,000,000 | 9,555,000,000 | 9,635,000,000 | 8,384,910,000 | 11,261,023,000 | 11,738,674,000 | 12,769,036,000 | 13,998,961,000 |
insurance claims and policyholder liabilities | 576,000,000 | 578,000,000 | 579,000,000 | 567,000,000 | 575,000,000 | 597,000,000 | 594,000,000 | 597,000,000 | 615,000,000 | 599,000,000 | 616,000,000 | 615,000,000 | 602,000,000 | 600,000,000 | 612,000,000 | 621,000,000 | 621,000,000 | 616,000,000 | 617,000,000 | 614,000,000 | 621,000,000 | 620,000,000 | 630,000,000 | 633,000,000 | 649,000,000 | 646,000,000 | 648,000,000 | 642,000,000 | 685,000,000 | 689,000,000 | 728,000,000 | 737,000,000 | 744,000,000 | 745,000,000 | 749,000,000 | 757,000,000 | 752,000,000 | 767,000,000 | 747,000,000 | 747,000,000 | 467,000,000 | 443,000,000 | 445,553,000 | 412,492,000 | 394,132,000 | 394,168,000 | 380,155,000 |
deferred and accrued taxes | 35,000,000 | 42,000,000 | 18,000,000 | 19,000,000 | 20,000,000 | 29,000,000 | 10,000,000 | 34,000,000 | 9,000,000 | 6,000,000 | 5,000,000 | 22,000,000 | 5,000,000 | 5,000,000 | 1,000,000 | 45,000,000 | 1,000,000 | 9,000,000 | 10,000,000 | 90,000,000 | 45,000,000 | 55,000,000 | 124,000,000 | 68,000,000 | 34,000,000 | 37,000,000 | 34,000,000 | 81,000,000 | 45,000,000 | 24,000,000 | 72,000,000 | 45,000,000 | 16,000,000 | 5,000,000 | 8,000,000 | 9,000,000 | 72,000,000 | 11,000,000 | 53,000,000 | 20,000,000 | 139,000,000 | 142,000,000 | 152,156,000 | 142,174,000 | 169,820,000 | 145,520,000 | 178,442,000 |
other liabilities | 682,000,000 | 649,000,000 | 652,000,000 | 669,000,000 | 686,000,000 | 607,000,000 | 657,000,000 | 543,000,000 | 671,000,000 | 581,000,000 | 637,000,000 | 519,000,000 | 616,000,000 | 522,000,000 | 627,000,000 | 493,000,000 | 614,000,000 | 556,000,000 | 608,000,000 | 484,000,000 | 564,000,000 | 528,000,000 | 573,000,000 | 497,000,000 | 592,000,000 | 612,000,000 | 643,000,000 | 568,000,000 | 383,000,000 | 384,000,000 | 387,000,000 | 323,000,000 | 441,000,000 | 385,000,000 | 432,000,000 | 332,000,000 | 489,000,000 | 384,000,000 | 457,000,000 | 384,000,000 | 294,000,000 | 336,000,000 | 238,283,000 | 202,041,000 | 257,828,000 | 207,334,000 | 275,969,000 |
total liabilities | 23,987,000,000 | 23,607,000,000 | 23,302,000,000 | 22,749,000,000 | 22,719,000,000 | 22,370,000,000 | 21,932,000,000 | 20,694,000,000 | 21,108,000,000 | 21,037,000,000 | 20,453,000,000 | 19,362,000,000 | 19,504,000,000 | 19,329,000,000 | 19,162,000,000 | 18,719,000,000 | 18,986,000,000 | 18,842,000,000 | 18,840,000,000 | 17,977,000,000 | 19,030,000,000 | 18,734,000,000 | 19,337,000,000 | 21,641,000,000 | 18,487,000,000 | 18,316,000,000 | 16,876,000,000 | 17,408,000,000 | 16,291,000,000 | 16,828,000,000 | 17,085,000,000 | 16,155,000,000 | 15,820,000,000 | 15,544,000,000 | 14,868,000,000 | 15,057,000,000 | 15,307,000,000 | 15,524,000,000 | 16,127,000,000 | 18,451,000,000 | 10,455,000,000 | 10,556,000,000 | 9,220,902,000 | 12,017,730,000 | 12,560,454,000 | 13,516,058,000 | 14,833,527,000 |
contingencies | |||||||||||||||||||||||||||||||||||||||||||||||
shareholders’ equity: | |||||||||||||||||||||||||||||||||||||||||||||||
common stock, par value 0.01 per share... | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | ||||||||||||||||||||||
additional paid-in capital | 1,757,000,000 | 1,750,000,000 | 1,745,000,000 | 1,734,000,000 | 1,734,000,000 | 1,728,000,000 | 1,723,000,000 | 1,718,000,000 | 1,715,000,000 | 1,706,000,000 | 1,702,000,000 | 1,693,000,000 | 1,689,000,000 | 1,685,000,000 | 1,679,000,000 | 1,672,000,000 | 1,672,000,000 | 1,665,000,000 | 1,661,000,000 | 1,657,000,000 | 1,655,000,000 | 1,651,000,000 | 1,648,000,000 | 1,645,000,000 | 1,689,000,000 | 1,686,000,000 | 1,683,000,000 | 1,682,000,000 | 1,681,000,000 | 1,678,000,000 | 1,563,000,000 | 1,560,000,000 | 1,557,000,000 | 1,552,000,000 | 1,550,000,000 | 1,548,000,000 | 1,545,000,000 | 1,543,000,000 | 1,537,000,000 | 1,533,000,000 | 1,524,000,000 | 530,000,000 | 529,569,000 | 527,708,000 | 525,669,000 | 524,087,000 | 278,704,000 |
accumulated other comprehensive loss | -41,000,000 | -47,000,000 | -51,000,000 | -65,000,000 | -81,000,000 | -59,000,000 | -95,000,000 | -91,000,000 | -87,000,000 | -129,000,000 | -114,000,000 | -108,000,000 | -2,000,000 | -2,000,000 | -6,000,000 | -13,000,000 | |||||||||||||||||||||||||||||||
retained earnings | 2,579,000,000 | 2,500,000,000 | 2,425,000,000 | 2,384,000,000 | 2,296,000,000 | 2,295,000,000 | 2,263,000,000 | 2,318,000,000 | 2,285,000,000 | 2,240,000,000 | 2,168,000,000 | 2,188,000,000 | 2,125,000,000 | 2,063,000,000 | 1,994,000,000 | 1,905,000,000 | 1,727,000,000 | 1,554,000,000 | 1,825,000,000 | 1,570,000,000 | 1,691,000,000 | 1,392,000,000 | 1,457,000,000 | 1,412,000,000 | 2,596,000,000 | 2,369,000,000 | 2,429,000,000 | 2,269,000,000 | 2,151,000,000 | 1,983,000,000 | 1,830,000,000 | 1,706,000,000 | 1,667,000,000 | 1,598,000,000 | 1,556,000,000 | 1,523,000,000 | 1,496,000,000 | 1,471,000,000 | 1,403,000,000 | 1,250,000,000 | 1,469,000,000 | 1,492,000,000 | 1,491,326,000 | 1,111,403,000 | 1,039,014,000 | 986,690,000 | 975,623,000 |
treasury stock | -895,000,000 | -826,000,000 | -794,000,000 | -774,000,000 | -759,000,000 | -757,000,000 | -739,000,000 | -732,000,000 | -728,000,000 | -709,000,000 | -699,000,000 | -693,000,000 | -667,000,000 | -612,000,000 | -571,000,000 | -478,000,000 | -368,000,000 | -176,000,000 | -35,000,000 | ||||||||||||||||||||||||||||
total shareholders’ equity | 3,401,000,000 | 3,378,000,000 | 3,326,000,000 | 3,280,000,000 | 3,191,000,000 | 3,208,000,000 | 3,153,000,000 | 3,214,000,000 | 3,186,000,000 | 3,109,000,000 | 3,058,000,000 | 3,081,000,000 | 3,029,000,000 | 3,012,000,000 | 3,033,000,000 | 3,089,000,000 | 3,093,000,000 | 3,121,000,000 | 3,537,000,000 | 3,308,000,000 | 3,441,000,000 | 3,123,000,000 | 3,171,000,000 | 3,052,000,000 | 4,330,000,000 | 4,094,000,000 | 4,141,000,000 | 3,950,000,000 | 3,799,000,000 | 3,640,000,000 | 3,382,000,000 | 3,278,000,000 | 3,230,000,000 | 3,154,000,000 | 3,105,000,000 | 3,066,000,000 | 3,046,000,000 | 3,020,000,000 | 2,928,000,000 | 2,605,000,000 | 2,829,000,000 | 1,851,000,000 | 1,836,962,000 | 2,065,628,000 | 1,961,911,000 | 1,886,628,000 | 1,593,836,000 |
total liabilities and shareholders’ equity | 27,388,000,000 | 26,985,000,000 | 26,628,000,000 | 26,029,000,000 | 25,910,000,000 | 25,578,000,000 | 25,085,000,000 | 23,908,000,000 | 24,294,000,000 | 24,146,000,000 | 23,511,000,000 | 22,443,000,000 | 22,533,000,000 | 22,341,000,000 | 22,195,000,000 | 21,808,000,000 | 22,079,000,000 | 21,963,000,000 | 22,377,000,000 | 21,285,000,000 | 22,471,000,000 | 21,857,000,000 | 22,508,000,000 | 24,693,000,000 | 22,817,000,000 | 22,410,000,000 | 21,017,000,000 | 21,358,000,000 | 20,090,000,000 | 20,468,000,000 | 20,467,000,000 | 19,433,000,000 | 19,050,000,000 | 18,698,000,000 | 17,973,000,000 | 18,123,000,000 | 18,353,000,000 | 18,544,000,000 | 19,055,000,000 | 21,056,000,000 | 13,284,000,000 | 12,407,000,000 | 11,057,864,000 | 14,083,358,000 | 14,522,365,000 | 15,402,686,000 | 16,427,363,000 |
accumulated other comprehensive income | -119,000,000 | -125,000,000 | -70,000,000 | -11,000,000 | 61,000,000 | 77,000,000 | 85,000,000 | 80,000,000 | 94,000,000 | 79,000,000 | 65,000,000 | -6,000,000 | 44,000,000 | 38,000,000 | 28,000,000 | -34,000,000 | -22,000,000 | -12,000,000 | 11,000,000 | 5,000,000 | 3,000,000 | 4,000,000 | 5,000,000 | -33,000,000 | -11,000,000 | 3,000,000 | 3,226,000 | 37,819,000 | 33,164,000 | 28,095,000 | 21,145,000 | ||||||||||||||||
finance receivables held for sale | 64,000,000 | 69,000,000 | 74,000,000 | 78,000,000 | 103,000,000 | 207,000,000 | 126,000,000 | 132,000,000 | 137,000,000 | 141,000,000 | 148,000,000 | 153,000,000 | 166,000,000 | 420,000,000 | 776,000,000 | 796,000,000 | 797,000,000 | 199,000,000 | 204,967,000 | ||||||||||||||||||||||||||||
commitments and contingent liabilities | |||||||||||||||||||||||||||||||||||||||||||||||
common stock | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,148,000 | 1,148,000 | 1,148,000 | 1,148,000 | 1,000,000 | |||||||||||||||||||||||||
net finance receivables: | |||||||||||||||||||||||||||||||||||||||||||||||
personal loans | 16,164,000,000 | 15,750,000,000 | 14,858,000,000 | 14,823,000,000 | 14,356,000,000 | 13,908,000,000 | 13,240,000,000 | 13,577,000,000 | 13,656,000,000 | 13,532,000,000 | 13,209,000,000 | 13,267,000,000 | 4,061,000,000 | 3,917,000,000 | 3,831,172,000 | 3,407,328,000 | 3,182,869,000 | 3,171,704,000 | 3,027,255,000 | ||||||||||||||||||||||||||||
other receivables | 129,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
real estate loans | 128,000,000 | 133,000,000 | 134,000,000 | 139,000,000 | 144,000,000 | 201,000,000 | 209,000,000 | 503,000,000 | 524,000,000 | 547,000,000 | 598,000,000 | 625,335,000 | 6,341,257,000 | 6,968,408,000 | 7,982,349,000 | 8,212,855,000 | |||||||||||||||||||||||||||||||
retail sales finance | 6,000,000 | 7,000,000 | 8,000,000 | 9,000,000 | 11,000,000 | 13,000,000 | 16,000,000 | 19,000,000 | 23,000,000 | 27,000,000 | 39,000,000 | 47,705,000 | 68,426,000 | 82,197,000 | 98,911,000 | 117,888,000 | |||||||||||||||||||||||||||||||
springcastle portfolio | 1,576,000,000 | 1,667,000,000 | 1,868,000,000 | 1,979,190,000 | 2,202,380,000 | 2,342,575,000 | 2,505,349,000 | 2,653,632,000 | |||||||||||||||||||||||||||||||||||||||
restricted cash and cash equivalents | 568,000,000 | 558,000,000 | 550,000,000 | 588,000,000 | 676,000,000 | 270,000,000 | 344,000,000 | 217,975,000 | |||||||||||||||||||||||||||||||||||||||
onemain holdings, inc. shareholders’ equity | 3,066,000,000 | 3,046,000,000 | 3,020,000,000 | 2,928,000,000 | 2,751,000,000 | ||||||||||||||||||||||||||||||||||||||||||
non-controlling interests | -146,000,000 | -154,000,000 | -175,000,000 | -188,307,000 | 387,550,000 | 362,916,000 | 346,608,000 | 317,364,000 | |||||||||||||||||||||||||||||||||||||||
net finance receivables, less allowance for finance receivable losses | 6,109,000,000 | 6,245,000,000 | 6,307,653,000 | 11,651,119,000 | 12,210,155,000 | 13,424,988,000 | 13,730,283,000 | ||||||||||||||||||||||||||||||||||||||||
springleaf holdings, inc. shareholders’ equity | 2,983,000,000 | 2,026,000,000 | 2,025,269,000 | 1,678,078,000 | 1,598,995,000 | 1,540,020,000 | 1,276,472,000 | ||||||||||||||||||||||||||||||||||||||||
restricted cash | 487,160,000 | 518,100,000 | 536,005,000 | 430,806,000 |
Cashflow Statements:
Quarterly
Annual
| Unit: USD | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-06-30 | 2020-03-31 | 2019-12-31 | 2019-09-30 | 2019-06-30 | 2019-03-31 | 2018-12-31 | 2018-03-31 | 2017-12-31 | 2017-09-30 | 2017-06-30 | 2017-03-31 | 2016-12-31 | 2016-09-30 | 2016-06-30 | 2016-03-31 | 2015-12-31 | 2015-03-31 | 2014-06-30 | 2014-03-31 | 2013-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
cash flows from operating activities | |||||||||||||||||||||||||||||||||||||||||||
net income | 204,000,000 | 199,000,000 | 167,000,000 | 213,000,000 | 126,000,000 | 158,000,000 | 70,000,000 | 155,000,000 | 165,000,000 | 194,000,000 | 103,000,000 | 179,000,000 | 180,000,000 | 188,000,000 | 209,000,000 | 301,000,000 | 263,000,000 | 288,000,000 | 350,000,000 | 413,000,000 | 359,000,000 | 250,000,000 | 89,000,000 | 32,000,000 | 261,000,000 | 248,000,000 | 194,000,000 | 152,000,000 | 168,000,000 | 124,000,000 | 39,000,000 | 69,000,000 | 42,000,000 | 33,000,000 | 27,000,000 | 25,000,000 | 12,000,000 | 179,000,000 | -192,000,000 | 31,000,000 | 102,678,000 | 68,632,000 | 55,805,000 |
reconciling adjustments: | |||||||||||||||||||||||||||||||||||||||||||
provision for finance receivable losses | 543,000,000 | 487,000,000 | 511,000,000 | 456,000,000 | 522,000,000 | 512,000,000 | 575,000,000 | 431,000,000 | 237,000,000 | 226,000,000 | 132,000,000 | -2,000,000 | 133,000,000 | ||||||||||||||||||||||||||||||
depreciation and amortization | 73,000,000 | 72,000,000 | 72,000,000 | 70,000,000 | 70,000,000 | 71,000,000 | 70,000,000 | 66,000,000 | 66,000,000 | 66,000,000 | 64,000,000 | 61,000,000 | 74,000,000 | 63,000,000 | 64,000,000 | 61,000,000 | 67,000,000 | 70,000,000 | 66,000,000 | 61,000,000 | 68,000,000 | 66,000,000 | 66,000,000 | 64,000,000 | 68,000,000 | 65,000,000 | 70,000,000 | 68,000,000 | 98,000,000 | 67,000,000 | 63,000,000 | 83,000,000 | 84,000,000 | 98,000,000 | 105,000,000 | 115,000,000 | 145,000,000 | 156,000,000 | 123,000,000 | 18,000,000 | |||
deferred income tax charge | 33,000,000 | 15,000,000 | 15,000,000 | -23,000,000 | 9,000,000 | -18,000,000 | -45,000,000 | -20,000,000 | 21,000,000 | 21,000,000 | -19,000,000 | 17,000,000 | 59,000,000 | 30,000,000 | -3,000,000 | -33,000,000 | -36,000,000 | -7,000,000 | -13,000,000 | 12,000,000 | 9,000,000 | 17,000,000 | 11,000,000 | -36,000,000 | 25,000,000 | -202,000,000 | |||||||||||||||||
net loss on repurchases and repayments of debt | 2,000,000 | 39,000,000 | 21,000,000 | 5,000,000 | 19,000,000 | 1,000,000 | 29,000,000 | 1,000,000 | 1,000,000 | 47,000,000 | |||||||||||||||||||||||||||||||||
share-based compensation expense, net of forfeitures | 8,000,000 | 7,000,000 | 11,000,000 | 10,000,000 | 7,000,000 | 7,000,000 | 5,000,000 | 11,000,000 | 9,000,000 | 6,000,000 | 9,000,000 | 12,000,000 | 4,000,000 | 8,000,000 | 7,000,000 | 12,000,000 | 7,000,000 | 5,000,000 | 4,000,000 | 7,000,000 | 4,000,000 | 3,000,000 | 3,000,000 | 7,000,000 | 3,000,000 | 3,000,000 | 1,000,000 | 6,000,000 | 4,000,000 | 5,000,000 | 3,000,000 | 5,000,000 | 2,000,000 | 7,000,000 | 6,000,000 | 4,000,000 | 5,000,000 | 7,000,000 | 9,000,000 | 3,000,000 | 2,039,000 | 1,582,000 | |
gain on sales of finance receivables | -14,000,000 | -17,000,000 | -17,000,000 | -16,000,000 | -5,000,000 | -6,000,000 | -6,000,000 | -6,000,000 | -10,000,000 | -11,000,000 | -14,000,000 | -17,000,000 | -13,000,000 | -17,000,000 | -16,000,000 | -17,000,000 | |||||||||||||||||||||||||||
other | -1,000,000 | -2,000,000 | 0 | -1,000,000 | 3,000,000 | -2,000,000 | -1,000,000 | -1,000,000 | -3,000,000 | 1,000,000 | -1,000,000 | -1,000,000 | -2,000,000 | 1,000,000 | 5,000,000 | -2,000,000 | 26,000,000 | -15,000,000 | -13,000,000 | -6,000,000 | -2,000,000 | 0 | -7,000,000 | 12,000,000 | -1,000,000 | 2,000,000 | 1,000,000 | -11,000,000 | 6,000,000 | 7,000,000 | 8,000,000 | -2,000,000 | -1,000,000 | -1,000,000 | -11,000,000 | 5,000,000 | 17,000,000 | -8,000,000 | |||||
cash flows due to changes in other assets and other liabilities | 17,000,000 | 28,000,000 | 29,000,000 | -87,000,000 | 9,000,000 | -33,000,000 | 12,000,000 | -113,000,000 | 10,000,000 | -53,000,000 | 65,000,000 | -66,000,000 | 34,000,000 | -72,000,000 | 10,000,000 | -62,000,000 | 5,000,000 | -47,000,000 | 17,000,000 | -23,000,000 | -10,000,000 | -161,000,000 | 98,000,000 | -45,000,000 | 16,000,000 | -5,000,000 | 39,000,000 | 17,000,000 | 21,000,000 | 83,000,000 | |||||||||||||
net cash from operating activities | 865,000,000 | 828,000,000 | 774,000,000 | 665,000,000 | 752,000,000 | 677,000,000 | 712,000,000 | 558,000,000 | 678,000,000 | 596,000,000 | 683,000,000 | 562,000,000 | 664,000,000 | 545,000,000 | 626,000,000 | 552,000,000 | 608,000,000 | 509,000,000 | 574,000,000 | 556,000,000 | 583,000,000 | 425,000,000 | 639,000,000 | 565,000,000 | 633,000,000 | 584,000,000 | 597,000,000 | 548,000,000 | 590,000,000 | 555,000,000 | 315,000,000 | 500,000,000 | 296,000,000 | 444,000,000 | 187,000,000 | 481,000,000 | 245,000,000 | 413,000,000 | 336,000,000 | 189,000,000 | 82,334,000 | 272,024,000 | 248,398,000 |
capital expenditures | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
free cash flows | 865,000,000 | 828,000,000 | 774,000,000 | 665,000,000 | 752,000,000 | 677,000,000 | 712,000,000 | 558,000,000 | 678,000,000 | 596,000,000 | 683,000,000 | 562,000,000 | 664,000,000 | 545,000,000 | 626,000,000 | 552,000,000 | 608,000,000 | 509,000,000 | 574,000,000 | 556,000,000 | 583,000,000 | 425,000,000 | 639,000,000 | 565,000,000 | 633,000,000 | 584,000,000 | 597,000,000 | 548,000,000 | 590,000,000 | 555,000,000 | 315,000,000 | 500,000,000 | 296,000,000 | 444,000,000 | 187,000,000 | 481,000,000 | 245,000,000 | 413,000,000 | 336,000,000 | 189,000,000 | 82,334,000 | 272,024,000 | 248,398,000 |
cash flows from investing activities | |||||||||||||||||||||||||||||||||||||||||||
net principal originations and purchases of finance receivables | -1,120,000,000 | -1,299,000,000 | -1,274,000,000 | -552,000,000 | -1,060,000,000 | -1,279,000,000 | -1,122,000,000 | -345,000,000 | -831,000,000 | -1,050,000,000 | -1,244,000,000 | -432,000,000 | -765,000,000 | -815,000,000 | |||||||||||||||||||||||||||||
proceeds from sales of finance receivables | 266,000,000 | 277,000,000 | 279,000,000 | 274,000,000 | 121,000,000 | 134,000,000 | 202,000,000 | 117,000,000 | 148,000,000 | 144,000,000 | 149,000,000 | 200,000,000 | 191,000,000 | 200,000,000 | 199,000,000 | 200,000,000 | 199,000,000 | 178,000,000 | |||||||||||||||||||||||||
foursight acquisition, net of cash acquired | 0 | 0 | |||||||||||||||||||||||||||||||||||||||||
available-for-sale securities purchased | -73,000,000 | -48,000,000 | -91,000,000 | -109,000,000 | -121,000,000 | -3,000,000 | -84,000,000 | -64,000,000 | -50,000,000 | -46,000,000 | -39,000,000 | -44,000,000 | -124,000,000 | -139,000,000 | -177,000,000 | -90,000,000 | -170,000,000 | -90,000,000 | -111,000,000 | -146,000,000 | -115,000,000 | -134,000,000 | -75,000,000 | -132,000,000 | -219,000,000 | -182,000,000 | -163,000,000 | -154,000,000 | -132,000,000 | -197,000,000 | -163,000,000 | -157,000,000 | -219,000,000 | -132,000,000 | -300,000,000 | -183,000,000 | -109,000,000 | -154,000,000 | |||||
available-for-sale securities called, sold, and matured | 148,000,000 | 80,000,000 | 91,000,000 | 74,000,000 | 45,000,000 | 161,000,000 | 89,000,000 | 78,000,000 | 49,000,000 | 82,000,000 | 104,000,000 | 88,000,000 | 93,000,000 | 77,000,000 | 97,000,000 | 196,000,000 | 110,000,000 | 81,000,000 | 122,000,000 | 91,000,000 | 95,000,000 | 121,000,000 | 134,000,000 | 128,000,000 | 117,000,000 | 121,000,000 | 233,000,000 | 103,000,000 | 125,000,000 | 156,000,000 | 120,000,000 | 237,000,000 | 220,000,000 | 162,000,000 | 240,000,000 | 143,000,000 | 279,000,000 | 175,000,000 | |||||
other securities purchased | -3,000,000 | -3,000,000 | -1,000,000 | -2,000,000 | -6,000,000 | -1,000,000 | -1,000,000 | -4,000,000 | -1,000,000 | -1,000,000 | -1,000,000 | -2,000,000 | -1,000,000 | -1,000,000 | -2,000,000 | -2,000,000 | -2,000,000 | -8,000,000 | -10,000,000 | -688,000,000 | -527,000,000 | -5,000,000 | -2,000,000 | -4,000,000 | -5,000,000 | -8,000,000 | |||||||||||||||||
other securities called, sold, and matured | 5,000,000 | 5,000,000 | 7,000,000 | 5,000,000 | 8,000,000 | 3,000,000 | 3,000,000 | 5,000,000 | 1,000,000 | 1,000,000 | 2,000,000 | 2,000,000 | 3,000,000 | 2,000,000 | 2,000,000 | 7,000,000 | 10,000,000 | 6,000,000 | 4,000,000 | 681,000,000 | 531,000,000 | 3,000,000 | 2,000,000 | 6,000,000 | 5,000,000 | 11,000,000 | |||||||||||||||||
net cash from investing activities | -807,000,000 | -1,010,000,000 | -1,013,000,000 | -331,000,000 | -1,028,000,000 | -1,007,000,000 | -998,000,000 | -233,000,000 | -710,000,000 | -892,000,000 | -1,056,000,000 | -204,000,000 | -622,000,000 | -695,000,000 | -852,000,000 | 50,000,000 | -644,000,000 | -869,000,000 | -828,000,000 | 198,000,000 | -494,000,000 | -363,000,000 | 302,000,000 | -196,000,000 | -973,000,000 | -1,109,000,000 | -1,042,000,000 | -305,000,000 | -581,000,000 | -381,000,000 | -729,000,000 | -609,000,000 | -913,000,000 | 59,000,000 | -206,000,000 | -166,000,000 | 329,000,000 | 41,000,000 | -3,231,000,000 | 161,000,000 | 323,464,000 | 1,073,153,000 | |
cash flows from financing activities | |||||||||||||||||||||||||||||||||||||||||||
proceeds from issuance and borrowings of long-term debt, net of issuance costs | 1,674,000,000 | 2,229,000,000 | 2,584,000,000 | 1,485,000,000 | 1,202,000,000 | 1,309,000,000 | 1,883,000,000 | -6,000,000 | 1,076,000,000 | 1,390,000,000 | 1,510,000,000 | 843,000,000 | 1,139,000,000 | 1,890,000,000 | 2,391,000,000 | 198,000,000 | |||||||||||||||||||||||||||
repayments and repurchases of long-term debt | -1,332,000,000 | -1,993,000,000 | -2,052,000,000 | -1,447,000,000 | -926,000,000 | -860,000,000 | -1,598,000,000 | -303,000,000 | -1,126,000,000 | -743,000,000 | -531,000,000 | -928,000,000 | -1,069,000,000 | ||||||||||||||||||||||||||||||
cash dividends | -123,000,000 | -125,000,000 | -125,000,000 | -126,000,000 | -125,000,000 | -126,000,000 | -125,000,000 | -122,000,000 | -121,000,000 | -121,000,000 | -122,000,000 | -123,000,000 | -116,000,000 | -118,000,000 | -120,000,000 | -126,000,000 | -89,000,000 | -557,000,000 | -94,000,000 | -534,000,000 | -61,000,000 | -314,000,000 | -44,000,000 | -387,000,000 | -34,000,000 | ||||||||||||||||||
common stock repurchased | -71,000,000 | -33,000,000 | -21,000,000 | -16,000,000 | -3,000,000 | -19,000,000 | -8,000,000 | -5,000,000 | -20,000,000 | -11,000,000 | -7,000,000 | -27,000,000 | -56,000,000 | -43,000,000 | -94,000,000 | -110,000,000 | -192,000,000 | -141,000,000 | |||||||||||||||||||||||||
treasury stock issued | 2,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 0 | 1,000,000 | 1,000,000 | 0 | 1,000,000 | |||||||||||||||||||||||||||||
withholding tax on share-based compensation | -1,000,000 | -2,000,000 | 0 | -10,000,000 | -1,000,000 | -2,000,000 | 0 | -8,000,000 | 0 | -2,000,000 | 0 | -8,000,000 | 0 | -2,000,000 | 0 | -12,000,000 | 0 | -1,000,000 | 0 | -5,000,000 | 0 | 0 | 0 | -6,000,000 | 0 | 0 | 0 | -5,000,000 | -1,000,000 | -6,000,000 | 0 | 0 | -5,000,000 | ||||||||||
net cash from financing activities | 149,000,000 | 77,000,000 | 387,000,000 | -113,000,000 | 148,000,000 | 303,000,000 | 153,000,000 | -443,000,000 | -190,000,000 | 513,000,000 | 851,000,000 | -242,000,000 | -102,000,000 | 109,000,000 | 115,000,000 | -448,000,000 | -227,000,000 | -654,000,000 | 676,000,000 | -1,605,000,000 | 193,000,000 | -848,000,000 | -2,492,000,000 | 2,777,000,000 | 145,000,000 | 1,146,000,000 | -633,000,000 | 863,000,000 | -569,000,000 | 827,000,000 | 413,000,000 | 188,000,000 | 679,000,000 | -305,000,000 | -60,000,000 | -399,000,000 | -548,000,000 | -678,000,000 | -30,000,000 | 1,192,000,000 | -1,147,452,000 | ||
net change in cash and cash equivalents and restricted cash and restricted cash equivalents | 207,000,000 | -105,000,000 | 148,000,000 | 221,000,000 | -128,000,000 | -27,000,000 | -133,000,000 | -118,000,000 | -222,000,000 | 217,000,000 | 478,000,000 | 116,000,000 | -60,000,000 | -41,000,000 | -111,000,000 | 154,000,000 | -263,000,000 | -1,014,000,000 | 422,000,000 | -851,000,000 | 282,000,000 | -786,000,000 | -1,551,000,000 | 3,146,000,000 | -195,000,000 | 621,000,000 | -1,078,000,000 | 1,106,000,000 | -560,000,000 | 1,001,000,000 | -2,000,000 | 80,000,000 | 62,000,000 | 198,000,000 | |||||||||
cash and cash equivalents and restricted cash and restricted cash equivalents at beginning of period | 0 | 0 | 0 | 1,142,000,000 | 0 | 0 | 0 | 1,548,000,000 | 0 | 0 | 0 | 959,000,000 | 0 | 0 | 0 | 1,017,000,000 | 0 | 0 | 0 | 2,723,000,000 | 0 | 0 | 0 | 1,632,000,000 | 0 | 0 | 0 | 1,178,000,000 | 0 | 1,485,000,000 | 0 | 0 | 0 | 1,147,000,000 | |||||||||
cash and cash equivalents and restricted cash and restricted cash equivalents at end of period | 207,000,000 | -105,000,000 | 148,000,000 | 1,363,000,000 | -128,000,000 | -27,000,000 | -133,000,000 | 1,430,000,000 | -222,000,000 | 217,000,000 | 478,000,000 | 1,075,000,000 | -60,000,000 | -41,000,000 | -111,000,000 | 1,171,000,000 | -263,000,000 | -1,014,000,000 | 422,000,000 | 1,872,000,000 | 282,000,000 | -786,000,000 | -1,551,000,000 | 4,778,000,000 | -195,000,000 | 621,000,000 | -1,078,000,000 | 2,284,000,000 | -560,000,000 | 2,486,000,000 | -2,000,000 | 80,000,000 | 62,000,000 | 1,345,000,000 | |||||||||
onemain holdings, inc. and subsidiariesconsolidated statements of cash flows | |||||||||||||||||||||||||||||||||||||||||||
years ended december 31, | |||||||||||||||||||||||||||||||||||||||||||
supplemental cash flow information | |||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents | 256,000,000 | -111,000,000 | 142,000,000 | 627,000,000 | -119,000,000 | -90,000,000 | -164,000,000 | 831,000,000 | -176,000,000 | 169,000,000 | 477,000,000 | 544,000,000 | -38,000,000 | 10,000,000 | -114,000,000 | 640,000,000 | -280,000,000 | -966,000,000 | 486,000,000 | 1,301,000,000 | 328,000,000 | -796,000,000 | -1,463,000,000 | 4,203,000,000 | -166,000,000 | 607,000,000 | -923,000,000 | 1,709,000,000 | 1,807,000,000 | 71,000,000 | 54,000,000 | 75,000,000 | 787,000,000 | ||||||||||
restricted cash and restricted cash equivalents | -49,000,000 | 6,000,000 | 6,000,000 | 736,000,000 | -9,000,000 | 63,000,000 | 31,000,000 | 599,000,000 | -46,000,000 | 48,000,000 | 1,000,000 | 531,000,000 | -22,000,000 | -51,000,000 | 3,000,000 | 531,000,000 | 17,000,000 | -48,000,000 | -64,000,000 | 571,000,000 | -46,000,000 | 10,000,000 | -88,000,000 | 575,000,000 | -29,000,000 | 14,000,000 | -155,000,000 | 575,000,000 | 679,000,000 | -73,000,000 | 26,000,000 | -13,000,000 | 558,000,000 | ||||||||||
total cash and cash equivalents and restricted cash and restricted cash equivalents | 207,000,000 | -105,000,000 | 148,000,000 | 1,363,000,000 | -128,000,000 | -27,000,000 | -133,000,000 | 1,430,000,000 | -222,000,000 | 217,000,000 | 478,000,000 | 1,075,000,000 | -60,000,000 | -41,000,000 | -111,000,000 | 1,171,000,000 | -263,000,000 | -1,014,000,000 | 422,000,000 | 1,872,000,000 | 282,000,000 | -786,000,000 | -1,551,000,000 | 4,778,000,000 | -195,000,000 | 621,000,000 | -1,078,000,000 | 2,284,000,000 | 2,486,000,000 | -2,000,000 | 80,000,000 | 62,000,000 | 1,345,000,000 | ||||||||||
interest paid | |||||||||||||||||||||||||||||||||||||||||||
income taxes paid | |||||||||||||||||||||||||||||||||||||||||||
federal | |||||||||||||||||||||||||||||||||||||||||||
state and local | |||||||||||||||||||||||||||||||||||||||||||
foreign | |||||||||||||||||||||||||||||||||||||||||||
cash paid for amounts included in the measurement of operating lease liabilities | -101,000,000 | 15,000,000 | 14,000,000 | 15,000,000 | -102,000,000 | 15,000,000 | 14,000,000 | 15,000,000 | |||||||||||||||||||||||||||||||||||
supplemental non-cash activities | |||||||||||||||||||||||||||||||||||||||||||
right-of-use assets obtained in exchange for operating lease obligations | 13,000,000 | 12,000,000 | 5,000,000 | 17,000,000 | 44,000,000 | 4,000,000 | 173,000,000 | ||||||||||||||||||||||||||||||||||||
deferred income tax benefit | 1,000,000 | -31,000,000 | 2,000,000 | -121,000,000 | 25,000,000 | -3,000,000 | -10,000,000 | ||||||||||||||||||||||||||||||||||||
benefit from finance receivable losses | 446,000,000 | 410,000,000 | 480,000,000 | 385,000,000 | 404,000,000 | 421,000,000 | 339,000,000 | 238,000,000 | 423,000,000 | 531,000,000 | 293,000,000 | 282,000,000 | 268,000,000 | 286,000,000 | 278,000,000 | 254,000,000 | 231,000,000 | 243,000,000 | 236,000,000 | 245,000,000 | 258,000,000 | 263,000,000 | 184,000,000 | 227,000,000 | 510,000,000 | 87,000,000 | 115,347,000 | 160,878,000 | 185,938,000 | ||||||||||||||
net income on repurchases and repayments of debt | 1,000,000 | -2,000,000 | 0 | 2,000,000 | 12,000,000 | 21,000,000 | 0 | 0 | 1,000,000 | 1,000,000 | 0 | 0 | 6,615,000 | ||||||||||||||||||||||||||||||
net gain on repurchases and repayments of debt | |||||||||||||||||||||||||||||||||||||||||||
repayment of long-term debt | -2,063,000,000 | -398,000,000 | -1,537,000,000 | -545,000,000 | -774,000,000 | -1,065,000,000 | -580,000,000 | -1,523,000,000 | -4,357,000,000 | -332,000,000 | -559,000,000 | -546,000,000 | -1,431,000,000 | -1,425,000,000 | -619,000,000 | -1,972,000,000 | -315,000,000 | ||||||||||||||||||||||||||
net principal collections (originations and purchases) of finance receivables | -245,000,000 | ||||||||||||||||||||||||||||||||||||||||||
proceeds from issuance of long-term debt, net of issuance costs | 1,591,000,000 | 590,000,000 | |||||||||||||||||||||||||||||||||||||||||
net principal originations of finance receivables | |||||||||||||||||||||||||||||||||||||||||||
net principal collections (originations) of finance receivables | -934,000,000 | 217,000,000 | |||||||||||||||||||||||||||||||||||||||||
proceeds (expenses) from issuance of long-term debt, net of issuance costs | -1,000,000 | ||||||||||||||||||||||||||||||||||||||||||
common stock repurchased and retired | 0 | 0 | 0 | -45,000,000 | |||||||||||||||||||||||||||||||||||||||
non-cash incentive compensation from sfh | 0 | ||||||||||||||||||||||||||||||||||||||||||
net principal originations of finance receivables held for investment and held for sale | -470,000,000 | -188,000,000 | -860,000,000 | -1,045,000,000 | -1,110,000,000 | -290,000,000 | -670,000,000 | -693,000,000 | |||||||||||||||||||||||||||||||||||
proceeds on sale of finance receivables held for sale originated as held for investment | |||||||||||||||||||||||||||||||||||||||||||
consolidated statements of cash flows | |||||||||||||||||||||||||||||||||||||||||||
transfer of net finance receivables held for investment to finance receivables held for sale | |||||||||||||||||||||||||||||||||||||||||||
net loss on repurchase and repayment of debt | |||||||||||||||||||||||||||||||||||||||||||
proceeds from issuance of long-term debt, net of commissions | 989,000,000 | 1,909,000,000 | 3,547,000,000 | 738,000,000 | 1,998,000,000 | 832,000,000 | 2,327,000,000 | 51,000,000 | 2,805,000,000 | 1,684,000,000 | 1,110,000,000 | 2,267,000,000 | 366,000,000 | 2,108,000,000 | 1,076,000,000 | 1,803,000,000 | 1,673,000,000 | 1,098,000,000 | 1,523,000,000 | 100,017,000 | 573,119,000 | 287,692,000 | |||||||||||||||||||||
net income on repurchase and repayment of debt | |||||||||||||||||||||||||||||||||||||||||||
net principal collections (originations) of finance receivables held for investment and held for sale | -333,000,000 | -914,000,000 | 30,000,000 | -205,000,000 | -373,000,000 | -499,000,000 | -126,000,000 | ||||||||||||||||||||||||||||||||||||
proceeds on sales of finance receivables held for sale originated as held for investment | 0 | 0 | 0 | 19,000,000 | 60,000,000 | 246,000,000 | |||||||||||||||||||||||||||||||||||||
transfer of finance receivables to real estate owned | 4,000,000 | 2,000,000 | 2,000,000 | 3,000,000 | 2,000,000 | 16,507,000 | 16,828,000 | ||||||||||||||||||||||||||||||||||||
net unsettled investment security purchases | 12,000,000 | -18,000,000 | -2,000,000 | -5,000,000 | 16,000,000 | -19,000,000 | |||||||||||||||||||||||||||||||||||||
dividends | -34,000,000 | -34,000,000 | |||||||||||||||||||||||||||||||||||||||||
trading and other securities called, sold, and matured | 5,000,000 | 6,000,000 | 8,000,000 | 9,000,000 | 3,000,000 | 4,000,000 | 2,000,000 | 11,000,000 | 26,000,000 | 13,000,000 | 13,000,000 | ||||||||||||||||||||||||||||||||
net gain on liquidation of united kingdom subsidiary | 1,000,000 | ||||||||||||||||||||||||||||||||||||||||||
net gain on sales of personal and real estate loans | |||||||||||||||||||||||||||||||||||||||||||
net gain on sale of springcastle interests | 0 | 0 | 62,000,000 | -229,000,000 | |||||||||||||||||||||||||||||||||||||||
proceeds from sale of springcastle interests, net of restricted cash released | |||||||||||||||||||||||||||||||||||||||||||
cash received from citifinancial credit company | 0 | 0 | 0 | 23,000,000 | |||||||||||||||||||||||||||||||||||||||
distributions to joint venture partners | 0 | 0 | 0 | -18,000,000 | -19,000,000 | -18,000,000 | |||||||||||||||||||||||||||||||||||||
effect of exchange rate changes on cash and cash equivalents | |||||||||||||||||||||||||||||||||||||||||||
trading and other securities purchased | -1,000,000 | -6,000,000 | -9,000,000 | -1,000,000 | |||||||||||||||||||||||||||||||||||||||
transfer of finance receivables held for investment to finance receivables held for sale | 455,749,000 | 835,329,000 | |||||||||||||||||||||||||||||||||||||||||
non-cash incentive compensation from initial stockholder | 4,000,000 | 0 | |||||||||||||||||||||||||||||||||||||||||
net gain on sales of personal and real estate loans and related trust assets | |||||||||||||||||||||||||||||||||||||||||||
cash flows due to changes in: | |||||||||||||||||||||||||||||||||||||||||||
other assets and other liabilities | -106,000,000 | 91,000,000 | -47,000,000 | 75,000,000 | -102,000,000 | 101,000,000 | -55,000,000 | 46,000,000 | -72,000,000 | 52,000,000 | -52,438,000 | 56,743,000 | |||||||||||||||||||||||||||||||
insurance claims and policyholder liabilities | 10,000,000 | -1,000,000 | 7,000,000 | -38,000,000 | -14,000,000 | -21,000,000 | -5,000,000 | -24,000,000 | 5,000,000 | -2,000,000 | |||||||||||||||||||||||||||||||||
taxes receivable and payable | 27,000,000 | 50,000,000 | -11,000,000 | -3,000,000 | -96,000,000 | 123,000,000 | -109,000,000 | 35,000,000 | 151,000,000 | 10,000,000 | 12,342,000 | 118,698,000 | |||||||||||||||||||||||||||||||
accrued interest and finance charges | -22,000,000 | -8,000,000 | -11,000,000 | 4,000,000 | -4,000,000 | -6,000,000 | 12,000,000 | -13,000,000 | 7,000,000 | 2,122,000 | |||||||||||||||||||||||||||||||||
purchase of onemain financial holdings, llc, net of cash and restricted cash acquired | |||||||||||||||||||||||||||||||||||||||||||
proceeds from sale of real estate owned | 1,000,000 | 1,000,000 | 3,000,000 | 2,000,000 | 2,000,000 | 2,000,000 | 5,000,000 | 18,861,000 | 21,952,000 | 20,372,000 | |||||||||||||||||||||||||||||||||
proceeds from issuance of common stock, net of offering costs | 0 | ||||||||||||||||||||||||||||||||||||||||||
repayments of long-term debt | -1,271,000,000 | -922,000,000 | -1,588,000,000 | -666,000,000 | -2,165,000,000 | -1,468,000,000 | -2,352,000,000 | -2,335,000,000 | |||||||||||||||||||||||||||||||||||
excess tax benefit from share-based compensation | 1,000,000 | 2,000,000 | 1,000,000 | 2,000,000 | |||||||||||||||||||||||||||||||||||||||
withholding tax on vested rsus and prsus | |||||||||||||||||||||||||||||||||||||||||||
income taxes received | |||||||||||||||||||||||||||||||||||||||||||
condensed consolidated statements of cash flows | |||||||||||||||||||||||||||||||||||||||||||
net unsettled investment security dispositions | |||||||||||||||||||||||||||||||||||||||||||
net gain on sale of personal loans | |||||||||||||||||||||||||||||||||||||||||||
restricted cash and cash equivalents not reinvested | 2,000,000 | -2,000,000 | 3,000,000 | 1,000,000 | |||||||||||||||||||||||||||||||||||||||
purchase of onemain financial holdings, llc, net of cash acquired | |||||||||||||||||||||||||||||||||||||||||||
proceeds from sale of springcastle interests | 0 | 0 | 0 | 101,000,000 | |||||||||||||||||||||||||||||||||||||||
change in restricted cash and cash equivalents | -11,000,000 | -7,000,000 | 35,000,000 | 12,000,000 | -24,000,000 | -120,000,000 | |||||||||||||||||||||||||||||||||||||
withholding tax on rsus vested | |||||||||||||||||||||||||||||||||||||||||||
net gain on fair value adjustments on debt | |||||||||||||||||||||||||||||||||||||||||||
net gain on sales of real estate loans and related trust assets | |||||||||||||||||||||||||||||||||||||||||||
purchase of springcastle portfolio | |||||||||||||||||||||||||||||||||||||||||||
contributions from joint venture partners | 0 | ||||||||||||||||||||||||||||||||||||||||||
net income on fair value adjustments on debt | 16,867,000 | ||||||||||||||||||||||||||||||||||||||||||
net charge-offs on finance receivables held for sale | 1,000,000 | ||||||||||||||||||||||||||||||||||||||||||
finance receivables originated or purchased, net of deferred origination costs | -633,000,000 | ||||||||||||||||||||||||||||||||||||||||||
principal collections on finance receivables | 628,000,000 | 745,591,000 | 804,643,000 | 852,940,000 | |||||||||||||||||||||||||||||||||||||||
sales and principal collections on finance receivables held for sale originated as held for investment | 52,000,000 | 263,654,000 | 816,250,000 | ||||||||||||||||||||||||||||||||||||||||
available-for-sale investment securities purchased | -95,000,000 | ||||||||||||||||||||||||||||||||||||||||||
trading investment securities purchased | -954,000,000 | ||||||||||||||||||||||||||||||||||||||||||
available-for-sale investment securities called, sold, and matured | 60,000,000 | 53,602,000 | 63,007,000 | ||||||||||||||||||||||||||||||||||||||||
trading investment securities called, sold, and matured | 1,211,000,000 | 6,885,000 | 5,578,000 | ||||||||||||||||||||||||||||||||||||||||
writedowns on assets resulting from restructuring | |||||||||||||||||||||||||||||||||||||||||||
impairments of ocean finance and mortgages limited assets | |||||||||||||||||||||||||||||||||||||||||||
net gain on sales of finance receivables | |||||||||||||||||||||||||||||||||||||||||||
repurchases and repayments of long-term debt | |||||||||||||||||||||||||||||||||||||||||||
net cash (used for ) provided by financing activities | |||||||||||||||||||||||||||||||||||||||||||
restricted cash | |||||||||||||||||||||||||||||||||||||||||||
change in restricted cash | 9,101,000 | 1,644,000 | |||||||||||||||||||||||||||||||||||||||||
six months ended june 30, | |||||||||||||||||||||||||||||||||||||||||||
effect of exchange rate changes | 644,000 | 122,000 | |||||||||||||||||||||||||||||||||||||||||
net change in cash and cash equivalents | 127,178,000 | 332,754,000 | |||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents at beginning of period | 0 | 431,409,000 | 0 | ||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents at end of period | 127,178,000 | 764,163,000 | |||||||||||||||||||||||||||||||||||||||||
writedowns and net income on sales of real estate owned | 1,377,000 | 2,983,000 | |||||||||||||||||||||||||||||||||||||||||
three months ended march 31, | 2,014,000 | ||||||||||||||||||||||||||||||||||||||||||
mark to market provision and net gain on sales of finance receivables held for sale originated as held for investment | |||||||||||||||||||||||||||||||||||||||||||
finance receivables originated or purchased | |||||||||||||||||||||||||||||||||||||||||||
change in notes receivable from american international group, inc. | |||||||||||||||||||||||||||||||||||||||||||
transfer of finance receivables held for sale to finance receivables held for investment | |||||||||||||||||||||||||||||||||||||||||||
deferral of finance receivable origination costs | |||||||||||||||||||||||||||||||||||||||||||
impairments of ocean finance and mortgages limited | |||||||||||||||||||||||||||||||||||||||||||
assets | |||||||||||||||||||||||||||||||||||||||||||
net realized losses (gains) on investment securities | |||||||||||||||||||||||||||||||||||||||||||
grant of restricted stock units | |||||||||||||||||||||||||||||||||||||||||||
change in other assets and other liabilities | |||||||||||||||||||||||||||||||||||||||||||
change in insurance claims and policyholder liabilities | |||||||||||||||||||||||||||||||||||||||||||
change in taxes receivable and payable | |||||||||||||||||||||||||||||||||||||||||||
change in accrued finance charges | |||||||||||||||||||||||||||||||||||||||||||
investment securities purchased | |||||||||||||||||||||||||||||||||||||||||||
investment securities called, sold, and matured | |||||||||||||||||||||||||||||||||||||||||||
nine months ended september 30, | |||||||||||||||||||||||||||||||||||||||||||
increase in cash and cash equivalents |