OMF Earnings Prediction
The chart below shows how OMF performed 10 days before and after its earnings report, based on data from the past quarters. Typically, OMF sees a -1.93% change in stock price 10 days leading up to the earnings, and a +1.27% change 10 days following the report. On the earnings day itself, the stock moves by +0.35%. This data can give you a slight idea of what to expect for the next quarter's release.
OMF Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
1.50B
9.02%
2.32%
Gross Margin
--
--
--
Operating Margin
12.68%
-21.49%
-11.51%
Net Margin
8.41%
-29.92%
-21.55%
EPS
1.05
-23.36%
-19.85%
No Data Available
OMF Earnings Analysis
OneMain Holdings Inc Corporation (OMF.N) Earnings Conference Call
Positive
Customer Base Expansion: Customer base grew 15% to 3,400,000 customers, indicating strong demand and retention.
Capital Generation Resilience: Generated $6.85 million in capital, showcasing the resilience of the business model despite peak loan losses.
Receivables Growth Analysis: Receivables increased by 11% to $2.47 billion, driven by growth in personal loans and the auto business.
Revenue Growth Strategy: Total revenue grew by 9%, reflecting effective management and strategic initiatives in a competitive environment.
Share Repurchase Commitment: Repurchased approximately 755,000 shares for $35 million, demonstrating commitment to returning value to shareholders.
Negative
Net Income Decline: GAAP net income decreased to $126 million or $1.05 per diluted share, down from $1.38 per diluted share, indicating a significant decline in profitability.
Earnings Performance Decline: Adjusted net income fell to $1.16 per diluted share, down from $1.39, reflecting a negative trend in earnings performance.
Capital Generation Decline: Capital generation totaled $183 million, a decrease from $191 million, highlighting a decline in capital accumulation amid challenging market conditions.
Operating Expenses Increase: Operating expenses increased by 10% year-over-year to $422 million, driven by the Foresight acquisition and business investments, indicating rising cost pressures.
Rising Interest Expense: Interest expense rose to $310 million, up $39 million from the prior year, reflecting increased borrowing costs and impacting overall financial performance.
OMF FAQs
How does OMF typically perform around its earnings report dates?
Is OneMain Holdings Inc (OMF) Q4 2024 Earnings Call Summary positive or negative?
How can historical earnings data help predict future stock performance?
OMF Earning Call Sentiment
Earnings call transcript: OneMain Holdings Q4 2024 misses EPS forecast
OMF.N
-3.22%Positive
The earnings call summary presents mixed signals: positive aspects include revenue growth, share repurchases, and improved delinquency rates. However, these are offset by increased operating expenses, higher interest expenses, and unclear guidance on charge-offs. The Q&A reveals confidence in improved credit performance but lacks clarity on certain financial metrics. The dividend yield is attractive, but the lack of new partnerships or strong guidance adjustments tempers expectations. Without a market cap, it's challenging to predict volatility, but overall, the mixed signals suggest a neutral stock price movement.