The nonprime lender reported $783 million net income and a 12.5% net margin amid steady earnings recovery.
OneMain reported nearly $6.2 billion in revenue for fiscal year 2025, a 9.1% increase over the prior year. The company, which serves nonprime borrowers through 1,300 branches and digital platforms, posted net income of $783 million, reflecting a 12.5% net margin.
This performance marks a steady recovery in earnings compared to the previous two fiscal years. OneMain’s debt-to-equity ratio stood at 6.7x as of December 2025, indicating a leveraged balance sheet typical for consumer lenders in the nonprime segment.
The company’s focus on personalized service and local presence contrasts with AI-driven lenders like Upstart, which targets risk pricing through technology.