OMF Earnings

OMF reported its earnings on 2026-02-05, showcasing a revenue of 1.42B against an estimate of 1.07B, resulting in a 32.34% surprise. The EPS was 1.59, surpassing the expected 1.55 by 2.58%. The stock experienced a -1.44% price change on the earnings day and a -2.28% change over the next five days, reflecting market reactions to the results.

Following OMF's earnings announcement on 2026-02-05, the stock price moved by -1.44% on the day of the release. Over the subsequent five days, it saw a -2.28% change. Historically, OMF's stock price tends to shift by an average of -1.8% in the 10 days leading up to earnings and -0.86% in the 10 days following, providing insight into potential market.

For 2026/Q1, analysts estimate OMF's annual revenue to reach 1.28B, while the EPS is projected at 2.08. These estimates reflect recent revisions, with revenue estimates revised downward by -0.1% and EPS estimates revised upward by 0.2% over the past three months, indicating analyst expectation in the company's performance.

The correlation between OMF's stock price and earnings forecast revisions shows that positive revisions in revenue or EPS often strengthen the stock's fundamentals. Over the past three months, revenue estimates for FY2025 were revised downward by -0.1%, while EPS estimates moved revised upward by 0.2%. This trend suggests that price dips could present buying opportunities for investors.

Based on historical trends, OMF's stock price typically moves by -1.8% in the 10 days before its earnings and -0.86% in the 10 days after. For the upcoming 2026/Q1 earnings, analysts expect an EPS of 2.08 and revenue of 1.28B.

The earnings call presents a mixed picture: positive aspects include increased revenue growth guidance and strong credit card revenue yields. However, concerns such as persistent inflation, potential increases in C&I losses, and the removal of revenue growth guidance create uncertainties. The Q&A section did not alleviate these concerns, as management provided limited clarity on key issues like the ILC application and tax refund expectations. This balance of positive and negative factors suggests a neutral stock price movement over the next two weeks.