Consumer finance company OneMain Holdings (NYSE: OMF) met Wall Street’s revenue expectations in Q1 CY2026, with sales up 6.9% year on year to $1.26 billion. Its non-GAAP profit of $1.95 per share was 4.9% above analysts’ consensus estimates.
Is now the time to buy OneMain? Find out by accessing our full research report, it’s free.
OneMain (OMF) Q1 CY2026 Highlights:
- Net Interest Income: $1.07 billion vs analyst estimates of $1.06 billion (in line)
- Revenue: $1.26 billion vs analyst estimates of $1.26 billion (6.9% year-on-year growth, in line)
- Pre-tax Profit: $296 million (23.5% margin)
- Adjusted EPS: $1.95 vs analyst estimates of $1.86 (4.9% beat)
- Market Capitalization: $6.79 billion
"We delivered a very good start to 2026, executing on our growth initiatives while maintaining our disciplined credit approach and balance sheet management," said Doug Shulman, Chairman and CEO of OneMain.
Company Overview
Dating back to 1912 and formerly known as Springleaf, OneMain Holdings (NYSE: OMF) provides personal loans, auto financing, and credit cards to nonprime consumers who have limited access to traditional banking services.
Revenue Growth
A company’s long-term sales performance can indicate its overall quality. Any business can experience short-term success, but top-performing ones enjoy sustained growth for years. Unfortunately, OneMain’s 5.3% annualized revenue growth over the last five years was tepid. This fell short of our benchmark for the financials sector and is a rough starting point for our analysis.
Long-term growth is the most important, but within financials, a half-decade historical view may miss recent interest rate changes and market returns. OneMain’s annualized revenue growth of 7.9% over the last two years is above its five-year trend, suggesting some bright spots. 
Note: Quarters not shown were determined to be outliers, impacted by outsized investment gains/losses that are not indicative of the recurring fundamentals of the business.
This quarter, OneMain grew its revenue by 6.9% year on year, and its $1.26 billion of revenue was in line with Wall Street’s estimates.
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Key Takeaways from OneMain’s Q1 Results
It was good to see OneMain beat analysts’ EPS expectations this quarter. Overall, this print had some key positives. The stock remained flat at $59 immediately after reporting.
So do we think OneMain is an attractive buy at the current price? When making that decision, it’s important to consider its valuation, business qualities, as well as what has happened in the latest quarter. We cover that in our actionable full research report which you can read here (it’s free).
