OneMain Holdings, Inc.
investor.onemainfinancial.comWhat Do They Do?
Offers personal and auto loans, credit cards, and optional insurance to consumers with limited access to credit.
10-K for FY2025, filed Feb 6, 2026offer personal loan products; offer secured auto financing at the point of purchase; offer credit card products; offer optional products…View ↗
We operate in the consumer finance industry serving consumers who typically have more limited access to credit from banks, credit card…View ↗
Products and Services. We offer personal loans through our branch network, central operations, digital affiliates, and our website…View ↗
Auto finance includes automobile retail installment contracts originated at the point of purchase through a growing network of franchise…View ↗
BrightWay credit cards originate through a third-party bank partner from which we purchase the receivable balances. The credit cards are…View ↗
We also offer optional credit insurance products to our customers, including credit life insurance, credit disability insurance, and credit…View ↗
How Do They Make Money?
Borrowers pay interest and certain fees on personal loans, auto loans, and credit card balances over the life of their balances. For some delinquent consumer loans, interest is earned when payments are received.
10-K for FY2025, filed Feb 6, 2026
$5.5B
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10-K for FY2025, filed Feb 6, 2026
$5.5B ↗
Who Are Their Customers?
Consumers with limited access to credit borrow through branches, online, and by phone; auto financing is offered through franchise and independent dealerships. BrightWay cards are offered through OneMain’s branches, direct mail, digital affiliates, and website, and originate through a bank partner.
10-K for FY2025, filed Feb 6, 2026We operate in the consumer finance industry serving consumers who typically have more limited access to credit from banks, credit card…View ↗
Products and Services. We offer personal loans through our branch network, central operations, digital affiliates, and our website…View ↗
Auto finance includes automobile retail installment contracts originated at the point of purchase through a growing network of franchise…View ↗
BrightWay credit cards originate through a third-party bank partner from which we purchase the receivable balances. The credit cards are…View ↗
We solicit customers through a variety of channels, including but not limited to direct mail offers, affiliate partners, our network of…View ↗
Our digital platform allows current and prospective customers the ability to apply for and close a personal loan or credit card online. Our…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 14 cents of every revenue dollar as net income in FY2025.
10-K for FY2025, filed Feb 6, 2026
10-K for FY2025, filed Feb 6, 2026
$783MView ↗
How Are They Changing?
Growing. Revenue grew 25% in 4 years, from $4.4B in FY2021 to $5.5B in FY2025, about 6% a year.
Adds auto financing
The latest report describes secured auto financing originated through dealerships, while the older report describes personal loan origination and servicing but not auto finance as a product.
10-K for FY2022, filed Feb 10, 2023 10-K for FY2025, filed Feb 6, 2026
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