OneMain Holdings Inc

United States

OMF▼

SoFi Leads Personal Loan Stocks in Strong Q2 Earnings

SoFi Technologies reported second-quarter revenue of $1.21 billion, up 40.5% year over year and beating analyst expectations by 7.1%, making it the best performer among seven personal loan stocks tracked. The group as a whole exceeded consensus revenue estimates by 4.2%, with shares up 1.9% on average since reporting. Sezzle posted the biggest estimate beat with revenue of $149.7 million, up 51.7% year over year, but its stock fell 27.3% after results. OneMain Holdings, the weakest performer, reported revenue of $1.29 billion, up 6.9% year over year, while Happen Bank and FirstCash also beat or met expectations.

SOFI ▲SEZL ▼OMF ▼

SOFI · Capital · Positive Revenue beat expectations, best performer in group.

SEZL · Capital · Negative Beat estimates but stock fell 27.3% after results.

OMF · Capital · Negative Reported revenue below peers, stock weakest performer.

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Subprime Auto Loan Delinquency Rate Hits 32-Year High of 6.8% in Early 2026

The subprime auto loan delinquency rate began 2026 at around 6.8%, its worst level in 32 years. The 60-day delinquency rate remains elevated, higher than during the Great Recession, signaling ongoing stress for lenders focused on high-risk borrowers. Companies like OneMain Holdings and Credit Acceptance have reported weakening credit metrics, with OneMain's charge-offs rising to 8.02% year over year and Credit Acceptance seeing underperformance in loans originated from 2021 through 2026. In contrast, Capital One Financial, which maintains a more stringent lending approach, saw its combined 30-day delinquency rate decline to 3.24% and its auto loan delinquency rate drop to 4.21%, while delinquency rates for higher-quality auto loans remain near historically low levels.

CACC ▼OMF ▼COF ▲

CACC · Demand · Negative Credit Acceptance reported underperformance in loans originated from 2021 through 2026, indicating worsening borrower credit quality.

OMF · Demand · Negative OneMain's charge-offs rose to 8.02% year over year, signaling weakening credit metrics.

COF · Demand · Positive Capital One's stringent lending approach led to declining delinquency rates, contrasting with industry stress.

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Nu vs. OneMain: Digital Disruptor or Dividend Payer in 2026?

Nu and OneMain present contrasting investment cases for 2026, with Nu offering high-growth digital banking in Latin America and OneMain providing steady dividends from U.S. nonprime lending. Nu reported fiscal 2025 revenue of nearly $16.2 billion, a 45% increase, and net income of close to $2.9 billion, while OneMain posted revenue of close to $6.2 billion, up 9.1%, and net income of approximately $783 million. Nu's forward P/E of 15.9 times reflects its growth premium, compared to OneMain's 8.3 times, and OneMain offers a 7% dividend yield with a 62.3% payout ratio. Nu faces emerging-market risks and competition from Itaú Unibanco and Banco Bradesco, while OneMain contends with regulatory scrutiny and a lawsuit from the New York Attorney General. The analysis favors Nu for growth investors despite higher valuations, while acknowledging OneMain's appeal for income-focused portfolios.

NU ▲OMF ▼BBD

NU · Demand · Positive Nu reported 45% revenue growth to $16.2B, indicating strong customer demand for its digital banking services.

OMF · Regulation · Negative OneMain faces regulatory scrutiny and a lawsuit from the New York Attorney General, posing legal and compliance risks.

BBD · Competition · Neutral Banco Bradesco is mentioned as a competitor to Nu, but no direct impact on Bradesco is discussed.

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Personal loan stocks post strong Q1 with revenues beating estimates by 7%

The nine personal loan stocks tracked by this publication reported a strong first quarter, with aggregate revenues surpassing analysts' consensus estimates by 7% and next-quarter revenue guidance coming in 0.7% above expectations. OneMain Holdings reported revenues of $1.26 billion, up 6.6% year on year and in line with estimates, but delivered the slowest revenue growth of the group. Sezzle was the best performer, with revenues of $135.5 million beating estimates by 5.3% and full-year EPS guidance exceeding expectations, while Affirm was the weakest despite revenues of $1.04 billion exceeding estimates by 4.3%, as it significantly missed EPS estimates. Atlanticus Holdings achieved the fastest revenue growth at 87.2% to $556.8 million but had the weakest performance against analyst estimates, and FirstCash reported revenues of $1.05 billion, up 25.7% and beating estimates across EBITDA and EPS. Since their latest earnings results, personal loan stocks have seen share prices rise 24% on average.

AFRM ATLC ▲FCFS ▲OMF SEZL ▲

AFRM · Capital · Neutral Affirm beat revenue estimates by 4.3% but significantly missed EPS estimates, creating mixed signals.

ATLC · Demand · Positive Atlanticus achieved fastest revenue growth at 87.2%, indicating strong demand for its products.

FCFS · Capital · Positive FirstCash reported revenues up 25.7% and beat estimates across EBITDA and EPS.

OMF · Capital · Neutral OneMain revenues were in line with estimates and had slowest growth, but no negative surprise.

SEZL · Capital · Positive Sezzle beat revenue estimates by 5.3% and exceeded full-year EPS guidance expectations.

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OneMain shares drop 9% in six months amid earnings decline and high debt

OneMain's shares have fallen to $61.85 over the last six months, a 9% loss that contrasts with the S&P 500's 6.1% gain. The company's revenue grew at a tepid 5.3% compounded annual rate over five years, while earnings per share declined by 5.5% annually over the same period, signaling shrinking profitability. OneMain also carries a high debt load, with $22.4 billion in debt against $1.56 billion in cash, resulting in a net-debt-to-EBITDA ratio of 14.9 times. The stock trades at 7.9 times forward earnings, but analysts caution that shaky fundamentals could pose further downside risk.

OMF ▼

OMF · Capital · Negative earnings decline, high debt, and analyst caution signal weak fundamentals

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Upstart Preferred Over OneMain for 2026 on Higher Revenue Growth Outlook

The Motley Fool compared OneMain and Upstart, concluding Upstart is the better buy for 2026 due to its expected 36% revenue rise to more than $1.4 billion, versus OneMain's expected 10% increase. OneMain, which focuses on nonprime borrowers through 1,300 branches, reported fiscal 2025 revenue of nearly $6.2 billion and net income of approximately $783 million, but faces higher delinquency risks. Upstart, an AI-driven lending platform connecting consumers with over 100 banks and credit unions, saw revenue surge nearly 59% to nearly $1.1 billion and returned to profitability with net income of roughly $53.6 million. Valuation metrics show OneMain trades at a forward P/E of 7.8x compared to Upstart's 35.1x, yet the analysis favors Upstart's growth trajectory and slightly higher-quality customer base.

UPST ▲OMF ▼

UPST · Demand · Positive Expected 36% revenue growth to over $1.4 billion in 2026, driven by AI lending platform connecting consumers with banks.

OMF · Competition · Negative Article concludes Upstart is a better buy than OneMain for 2026, citing higher revenue growth and lower delinquency risk.

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