OneMain Holdings Inc
OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses in the United States. The company provides origination, underwriting, and servicing of consumer loans, consisting of personal loans and auto finance. It also offers secured auto financing; credit cards; optional credit insurance products, including life, disability, and involuntar… Read more
OneMain Holdings Inc (OMF) - Net Assets
Latest net assets as of December 2025: $3.40 Billion USD
Based on the latest financial reports, OneMain Holdings Inc (OMF) has net assets worth $3.40 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($27.39 Billion) and total liabilities ($23.99 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $3.40 Billion |
| % of Total Assets | 12.42% |
| Annual Growth Rate | 2.96% |
| 5-Year Change | -21.42% |
| 10-Year Change | 10.93% |
| Growth Volatility | 28.88 |
OneMain Holdings Inc - Net Assets Trend (2000–2025)
This chart illustrates how OneMain Holdings Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for OneMain Holdings Inc (2000–2025)
The table below shows the annual net assets of OneMain Holdings Inc from 2000 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $3.40 Billion | +6.58% |
| 2024-12-31 | $3.19 Billion | +0.16% |
| 2023-12-31 | $3.19 Billion | +5.18% |
| 2022-12-31 | $3.03 Billion | -30.01% |
| 2021-12-31 | $4.33 Billion | -6.44% |
| 2020-12-31 | $4.63 Billion | -16.96% |
| 2019-12-31 | $5.57 Billion | +46.64% |
| 2018-12-31 | $3.80 Billion | +15.89% |
| 2017-12-31 | $3.28 Billion | +6.91% |
| 2016-12-31 | $3.07 Billion | +12.31% |
| 2015-12-31 | $2.73 Billion | +48.61% |
| 2014-12-31 | $1.84 Billion | -2.63% |
| 2013-12-31 | $1.89 Billion | +57.20% |
| 2012-12-31 | $1.20 Billion | -11.94% |
| 2011-12-31 | $1.36 Billion | +80.24% |
| 2010-12-31 | $756.17 Million | -34.64% |
| 2009-12-31 | $1.16 Billion | -29.43% |
| 2008-12-31 | $1.64 Billion | -41.70% |
| 2007-12-31 | $2.81 Billion | -2.66% |
| 2006-12-31 | $2.89 Billion | +3.95% |
| 2005-12-31 | $2.78 Billion | +16.95% |
| 2004-12-31 | $2.38 Billion | +30.29% |
| 2003-12-31 | $1.82 Billion | +14.93% |
| 2002-12-31 | $1.59 Billion | +17.15% |
| 2001-12-31 | $1.35 Billion | -17.32% |
| 2000-12-31 | $1.64 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to OneMain Holdings Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 239.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $2.58 Billion | 75.83% |
| Common Stock | $1.00 Million | 0.03% |
| Other Comprehensive Income | $-41.00 Million | -1.21% |
| Other Components | $862.00 Million | 25.35% |
| Total Equity | $3.40 Billion | 100.00% |
OneMain Holdings Inc Competitors by Market Cap
The table below lists competitors of OneMain Holdings Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Aier Eye Hospital Group
SHE:300015
|
$5.88 Billion |
|
Lincoln National Corporation
NYSE:LNC
|
$5.88 Billion |
|
The Hershey Company
SA:HSHY34
|
$5.88 Billion |
|
Sanlam Limited
PINK:SLMAF
|
$5.89 Billion |
|
Brenntag SE
F:BNR
|
$5.87 Billion |
|
Paycom Software, Inc.
NYSE:PAYC
|
$5.87 Billion |
|
Meiji Holdings Co. Ltd
F:3M0
|
$5.87 Billion |
|
Zhejiang Satellite Petrochemical Co Ltd
SHE:002648
|
$5.87 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in OneMain Holdings Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 3,191,000,000 to 3,401,000,000, a change of 210,000,000 (6.6%).
- Net income of 783,000,000 contributed positively to equity growth.
- Dividend payments of 499,000,000 reduced retained earnings.
- Share repurchases of 154,000,000 reduced equity.
- New share issuances of 5,000,000 increased equity.
- Other comprehensive income increased equity by 40,000,000.
- Other factors increased equity by 35,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $783.00 Million | +23.02% |
| Dividends Paid | $499.00 Million | -14.67% |
| Share Repurchases | $154.00 Million | -4.53% |
| Share Issuances | $5.00 Million | +0.15% |
| Other Comprehensive Income | $40.00 Million | +1.18% |
| Other Changes | $35.00 Million | +1.03% |
| Total Change | $- | 6.58% |
Book Value vs Market Value Analysis
This analysis compares OneMain Holdings Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.77x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 3.43x to 1.77x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2008-12-31 | $14.69 | $50.42 | x |
| 2009-12-31 | $10.36 | $50.42 | x |
| 2010-12-31 | $6.77 | $50.42 | x |
| 2011-12-31 | $12.21 | $50.42 | x |
| 2012-12-31 | $10.58 | $50.42 | x |
| 2013-12-31 | $14.96 | $50.42 | x |
| 2014-12-31 | $17.57 | $50.42 | x |
| 2015-12-31 | $21.96 | $50.42 | x |
| 2016-12-31 | $22.69 | $50.42 | x |
| 2017-12-31 | $24.16 | $50.42 | x |
| 2018-12-31 | $27.93 | $50.42 | x |
| 2019-12-31 | $31.76 | $50.42 | x |
| 2020-12-31 | $25.50 | $50.42 | x |
| 2021-12-31 | $23.25 | $50.42 | x |
| 2022-12-31 | $24.35 | $50.42 | x |
| 2023-12-31 | $26.41 | $50.42 | x |
| 2024-12-31 | $26.57 | $50.42 | x |
| 2025-12-31 | $28.51 | $50.42 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently OneMain Holdings Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 23.02%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 12.54%
- • Asset Turnover: 0.23x
- • Equity Multiplier: 8.05x
- Recent ROE (23.02%) is above the historical average (10.33%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2000 | 12.69% | 10.89% | 0.14x | 8.18x | $44.11 Million |
| 2001 | 16.85% | 11.42% | 0.15x | 9.99x | $92.80 Million |
| 2002 | 21.86% | 17.34% | 0.13x | 9.76x | $188.14 Million |
| 2003 | 20.07% | 16.72% | 0.13x | 9.32x | $183.72 Million |
| 2004 | 20.12% | 19.44% | 0.11x | 9.36x | $240.43 Million |
| 2005 | 18.98% | 17.91% | 0.11x | 9.28x | $249.43 Million |
| 2006 | 14.36% | 14.14% | 0.11x | 9.61x | $125.98 Million |
| 2007 | 3.99% | 3.80% | 0.10x | 10.89x | $-168.88 Million |
| 2008 | -72.33% | -44.16% | 0.10x | 16.19x | $-1.35 Billion |
| 2009 | -46.01% | -23.89% | 0.10x | 18.77x | $-647.97 Million |
| 2010 | 84.60% | 32.10% | 0.12x | 22.60x | $564.13 Million |
| 2011 | -17.74% | -11.91% | 0.13x | 11.37x | $-378.02 Million |
| 2012 | -18.43% | -11.60% | 0.13x | 12.43x | $-335.79 Million |
| 2013 | -1.23% | -0.81% | 0.15x | 10.00x | $-173.00 Million |
| 2014 | 22.86% | 16.38% | 0.26x | 5.46x | $260.47 Million |
| 2015 | -7.83% | -10.03% | 0.10x | 7.54x | $-500.90 Million |
| 2016 | 7.01% | 5.77% | 0.21x | 5.91x | $-91.60 Million |
| 2017 | 5.58% | 4.83% | 0.19x | 5.93x | $-144.80 Million |
| 2018 | 11.77% | 10.54% | 0.21x | 5.29x | $67.10 Million |
| 2019 | 19.75% | 18.26% | 0.21x | 5.27x | $422.00 Million |
| 2020 | 21.21% | 14.80% | 0.22x | 6.53x | $385.90 Million |
| 2021 | 42.48% | 26.42% | 0.23x | 7.14x | $1.00 Billion |
| 2022 | 28.79% | 17.13% | 0.23x | 7.44x | $569.10 Million |
| 2023 | 20.12% | 12.10% | 0.22x | 7.63x | $322.40 Million |
| 2024 | 15.95% | 8.90% | 0.22x | 8.12x | $189.90 Million |
| 2025 | 23.02% | 12.54% | 0.23x | 8.05x | $442.90 Million |
Industry Comparison
This section compares OneMain Holdings Inc's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $42,167,772,618
- Average return on equity (ROE) among peers: 3.49%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| OneMain Holdings Inc (OMF) | $3.40 Billion | 12.69% | 7.05x | $5.88 Billion |
| Accord Financial Corp (ACCFF) | $103.96 Million | 11.43% | 4.00x | $8.00 Million |
| Acom Co. Ltd (ACJJF) | $306.73 Billion | 3.47% | 2.77x | $799.50 Million |
| Affirm Holdings Inc (AFRM) | $3.07 Billion | 1.70% | 2.63x | $13.28 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $47.20 Million | 1.69% | 11.77x | $1.51 Billion |
| Aiful Corp (AIFLF) | $97.47 Billion | -37.44% | 4.75x | $852.52 Million |
| Jianpu Technology Inc (AIJTY) | $520.74 Million | 20.38% | 0.93x | $16.37 Million |
| AIOS Tech Inc. (AIOS) | $40.53 Million | 17.61% | 0.35x | $2.83 Million |
| Ally Financial Inc (ALLY) | $13.49 Billion | 6.88% | 11.39x | $10.34 Billion |
| Alpha Investment Inc (ALPC) | $-38.66K | 0.00% | 0.00x | $166.69 Million |
| Antalpha Platform Holding Co (ANTA) | $202.32 Million | 9.14% | 10.90x | $14.83 Million |