OneMain provides personal installment loans primarily to non-prime U.S. consumers who may have limited access to traditional bank credit. It operates a large network of local branches alongside online origination, combining face-to-face underwriting with digital channels. Loans are typically unsecured or secured personal credit used for debt consolidation, vehicle repair, medical costs and similar household needs. The model is built around higher-risk consumer lending with active account servicing rather than prime card or mortgage banking.
| Quarter | Revenue | YoY % | Earnings | YoY % |
|---|---|---|---|---|
| Q1 2025 | 1,189 | — | 213 | 22.6% |
| Q2 2025 | 1,219 | — | 167 | 36.7% |
| Q3 2025 | 1,274 | — | 199 | 31.9% |
| Q4 2025 | 1,289 | — | 204 | 47.4% |
| Q1 2026 | 1,265 | 6.4% | 226 | 6.1% |
| Q2 2026 | 1,299 | 6.6% | 152 | -9% |
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