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OneMain (OMF) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

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OneMain Holdings (OMF - Free Report) reported $1.09 billion in revenue for the quarter ended June 2026, representing a year-over-year increase of 6.8%. EPS of $1.31 for the same period compares to $1.45 a year ago.

The reported revenue represents a surprise of +2.17% over the Zacks Consensus Estimate of $1.07 billion. With the consensus EPS estimate being $1.31, the company has not delivered EPS surprise.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how OneMain performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Net charge-off ratio (Consumer and Insurance Segment): 7.8% versus the two-analyst average estimate of 8.3%.
  • Net Interest Income: $1.09 billion versus $1.06 billion estimated by three analysts on average.
  • Insurance: $112 million versus $113.1 million estimated by three analysts on average.
  • Investment: $25 million versus the three-analyst average estimate of $25.57 million.
  • Net interest income after provision for finance receivable losses: $481 million versus the three-analyst average estimate of $481.62 million.
  • Total other revenues: $207 million versus the three-analyst average estimate of $201.39 million.
  • Other income: $55 million versus the two-analyst average estimate of $62.5 million.

View all Key Company Metrics for OneMain here>>>

Shares of OneMain have returned +2.1% over the past month versus the Zacks S&P 500 composite's +1.9% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.

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