# OneMain Holdings, Inc.

Summary updated: 2026-10-02T15:35:42.170567Z
Canonical: https://finbar.com/research/companies/onemain-holdings-inc

## Overview

OneMain Holdings, Inc. is a U.S. consumer finance company whose core business is lending to consumers, principally through personal loans and auto finance. It also offers BrightWay credit cards, loan servicing, and optional insurance products, distributing its offerings through branches, online and phone channels, and partners. [1](https://app.finbar.com/go?id=P32515146)[2](https://app.finbar.com/go?id=P89955674)

The company operates in 48 states and serves customers through more than 1,300 locations. [1](https://app.finbar.com/go?id=P32515146) OneMain’s stated mission is to improve the financial well-being of hardworking Americans. [3](https://www.onemainfinancial.com/about-us) Its scale includes more than 9,000 team members, according to its company leadership profile. [4](https://www.onemainfinancial.com/about-us/karen-mooney) For the year ended December 31, 2025, it reported $5.455 billion in interest income (not total revenue). [5](https://app.finbar.com/go?id=T5004267)
[1](https://app.finbar.com/go?id=P32515146)[2](https://app.finbar.com/go?id=P89955674)[3](https://www.onemainfinancial.com/about-us)[4](https://www.onemainfinancial.com/about-us/karen-mooney)[5](https://app.finbar.com/go?id=T5004267)[3](https://www.onemainfinancial.com/about-us)[4](https://www.onemainfinancial.com/about-us/karen-mooney)

## Products & services

OneMain offers fixed-rate, non-revolving personal loans, generally with 3–6-year terms, secured by automobiles or other collateral or unsecured. They are originated through branches, central operations, direct mail, digital affiliates and the company’s website; the company also services loans for whole-loan-sale partners. Its consumer-facing site advertises loan amounts of $1,500–$30,000 and repayment terms of 24–60 months, subject to applicant and state eligibility. [6](https://app.finbar.com/go?id=P145051611)[7](https://www.onemainfinancial.com/personal-loans) Auto finance consists of fixed-rate, non-revolving loans secured by vehicles and arranged at purchase through franchise and independent dealerships; OneMain also services auto loans for partners and third-party originators. [8](https://app.finbar.com/go?id=P145051612)[9](https://app.finbar.com/go?id=P162714323)[10](https://app.finbar.com/go?id=P162714326)

BrightWay credit cards are unsecured, fixed-rate revolving accounts issued through a third-party bank partner, with OneMain purchasing and servicing the receivables. The cards are offered through branches, direct mail and digital channels; eligible versions may offer cash back or milestone benefits such as a potential credit-limit increase or APR reduction, subject to applicable terms and approval. [11](https://app.finbar.com/go?id=P145051613)[12](https://app.finbar.com/go?id=P145051478)[13](https://www.onemainfinancial.com/credit-cards)[14](https://www.onemainfinancial.com/legal/brightway-rewards-terms-and-conditions) OneMain also offers optional credit life, disability and involuntary-unemployment insurance, traditional term life, membership plans and Guaranteed Asset Protection (GAP) related to auto loans. [15](https://app.finbar.com/go?id=P11038176)[16](https://app.finbar.com/go?id=P145051614) At June 30, 2026, reported balances included $21.3 billion in personal-loan receivables, $2.7 billion in auto-loan receivables, and $1.144 billion in BrightWay card receivables; the company does not report these products’ shares of revenue in the cited information. [6](https://app.finbar.com/go?id=P145051611)[8](https://app.finbar.com/go?id=P145051612)[17](https://app.finbar.com/go?id=T18933411)
[6](https://app.finbar.com/go?id=P145051611)[7](https://www.onemainfinancial.com/personal-loans)[8](https://app.finbar.com/go?id=P145051612)[9](https://app.finbar.com/go?id=P162714323)[10](https://app.finbar.com/go?id=P162714326)[11](https://app.finbar.com/go?id=P145051613)[12](https://app.finbar.com/go?id=P145051478)[13](https://www.onemainfinancial.com/credit-cards)[14](https://www.onemainfinancial.com/legal/brightway-rewards-terms-and-conditions)[15](https://app.finbar.com/go?id=P11038176)[16](https://app.finbar.com/go?id=P145051614)[17](https://app.finbar.com/go?id=T18933411)[7](https://www.onemainfinancial.com/personal-loans)[13](https://www.onemainfinancial.com/credit-cards)[14](https://www.onemainfinancial.com/legal/brightway-rewards-terms-and-conditions)

## Geographic presence

OneMain Holdings, Inc.’s operations are U.S.-focused. Its investor overview describes the company as serving 48 states through 1,300 locations, while its branch locator describes more than 1,500 locations across 44 states; these are differing company-page counts and are not directly reconciled. [18](https://investor.onemainfinancial.com/overview/default.aspx)[19](https://www.onemainfinancial.com/branches) The company identifies its headquarters in Evansville, Indiana, and central servicing facilities in Mendota Heights, Minnesota; Tempe, Arizona; London, Kentucky; Evansville, Indiana; Fort Mill, South Carolina; Fort Worth, Texas; and West Valley, Utah. [20](https://app.finbar.com/go?id=P8381324)[21](https://www.sec.gov/Archives/edgar/data/1584207/000158420726000008/omf-20251231.htm)

The 2025 annual report gives state-level concentrations of net finance receivables, rather than geographic revenue: personal loans were most concentrated in Texas (10%), California (8%), and Florida (7%); auto finance in Georgia (8%), Florida (7%), and Texas (6%); and credit cards in Texas and California (13% each) and Florida (11%). [22](https://app.finbar.com/go?id=T9817712)[21](https://www.sec.gov/Archives/edgar/data/1584207/000158420726000008/omf-20251231.htm) The filing does not provide geographic revenue percentages or an employee breakdown by location. [21](https://www.sec.gov/Archives/edgar/data/1584207/000158420726000008/omf-20251231.htm)
[20](https://app.finbar.com/go?id=P8381324)[22](https://app.finbar.com/go?id=T9817712)[22](https://app.finbar.com/go?id=T9817712)[22](https://app.finbar.com/go?id=T9817712)[22](https://app.finbar.com/go?id=T9817712)[22](https://app.finbar.com/go?id=T9817712)[22](https://app.finbar.com/go?id=T9817712)[22](https://app.finbar.com/go?id=T9817712)[22](https://app.finbar.com/go?id=T9817712)[22](https://app.finbar.com/go?id=T9817712)[18](https://investor.onemainfinancial.com/overview/default.aspx)[19](https://www.onemainfinancial.com/branches)[21](https://www.sec.gov/Archives/edgar/data/1584207/000158420726000008/omf-20251231.htm)

## Business segments

OneMain Holdings reports one reportable segment: Consumer and Insurance (C&I). Its remaining “Other” activities are not a separate reportable segment and primarily comprise liquidating SpringCastle servicing and legacy operations, including liquidating real-estate loans. The company continued to report C&I as its sole reportable segment in its six months ended June 30, 2026 filing. [23](https://app.finbar.com/go?id=P38310933)[24](https://app.finbar.com/go?id=P49236880)

For FY2025, C&I contributed approximately 99.5% of consolidated interest income and other revenues, 98.7% of pretax income, 98.9% of net interest income after provision, and 95.8% of assets. [25](https://app.finbar.com/go?id=T6617339) Within C&I, customer offerings include unsecured and secured loans, auto finance, credit cards, and optional credit-life, credit-disability, and involuntary-unemployment insurance; these are product categories, not separately reported segments. [26](https://app.finbar.com/go?id=P145051549)[27](https://app.finbar.com/go?id=P145051552) The company’s filings do not present a geographic segment breakdown. [23](https://app.finbar.com/go?id=P38310933)
[23](https://app.finbar.com/go?id=P38310933)[24](https://app.finbar.com/go?id=P49236880)[25](https://app.finbar.com/go?id=T6617339)[26](https://app.finbar.com/go?id=P145051549)[27](https://app.finbar.com/go?id=P145051552)

## Company history

OneMain traces its consumer-finance roots to Commercial Credit, founded in 1912. A major predecessor in its corporate history was American General Finance: Fortress-managed funds acquired an 80% stake in the business in 2010, and Springleaf Holdings went public in 2013. [28](https://www.sec.gov/Archives/edgar/data/1584207/000110465915015978/a15-5806_1ex99d1.htm) [29](https://www.sec.gov/Archives/edgar/data/5272/000095012310075948/y86095exv1.htm) [30](https://investor.onemainfinancial.com/News/news-details/2013/Springleaf-Holdings-Inc-Announces-Upsizing-and-Pricing-of-Initial-Public-Offering/default.aspx)

On November 15, 2015, Springleaf acquired OneMain Financial from Citigroup and changed its name to OneMain Holdings, Inc. [31](https://app.finbar.com/go?id=P191101238) [32](https://app.finbar.com/go?id=P191101243) The company completed the rebranding of Springleaf branches and websites as OneMain Financial in October 2016, with remaining branch and servicing-system conversions finished in early 2017. [33](https://app.finbar.com/go?id=P189067205) Doug Shulman became president and CEO in 2018 and chairman in 2020. [34](https://investor.onemainfinancial.com/News/news-details/2018/OneMain-Holdings-Inc-Names-Doug-Shulman-President-and-Chief-Executive-Officer/default.aspx) [35](https://investor.onemainfinancial.com/governance/board-of-directors/default.aspx)

In 2024, OneMain completed its acquisition of Foursight Capital, expanding its auto-finance business. [36](https://investor.onemainfinancial.com/News/news-details/2024/OneMain-Holdings-Inc.-Completes-Acquisition-of-Foursight-Capital-LLC/default.aspx)
[31](https://app.finbar.com/go?id=P191101238)[32](https://app.finbar.com/go?id=P191101243)[33](https://app.finbar.com/go?id=P189067205)[28](https://www.sec.gov/Archives/edgar/data/1584207/000110465915015978/a15-5806_1ex99d1.htm)[29](https://www.sec.gov/Archives/edgar/data/5272/000095012310075948/y86095exv1.htm)[30](https://investor.onemainfinancial.com/News/news-details/2013/Springleaf-Holdings-Inc-Announces-Upsizing-and-Pricing-of-Initial-Public-Offering/default.aspx)[34](https://investor.onemainfinancial.com/News/news-details/2018/OneMain-Holdings-Inc-Names-Doug-Shulman-President-and-Chief-Executive-Officer/default.aspx)[35](https://investor.onemainfinancial.com/governance/board-of-directors/default.aspx)[36](https://investor.onemainfinancial.com/News/news-details/2024/OneMain-Holdings-Inc.-Completes-Acquisition-of-Foursight-Capital-LLC/default.aspx)

## Sources

1. [OneMain Holdings, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=P32515146)
2. [OneMain Holdings, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=P89955674)
3. [www.onemainfinancial.com](https://www.onemainfinancial.com/about-us)
4. [www.onemainfinancial.com](https://www.onemainfinancial.com/about-us/karen-mooney)
5. [OneMain Holdings, Inc. — Press release (2025 Y)](https://app.finbar.com/go?id=T5004267)
6. [OneMain Holdings, Inc. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P145051611)
7. [www.onemainfinancial.com](https://www.onemainfinancial.com/personal-loans)
8. [OneMain Holdings, Inc. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P145051612)
9. [OneMain Holdings, Inc. — Presentation (2026 Q 2), p7](https://app.finbar.com/go?id=P162714323)
10. [OneMain Holdings, Inc. — Presentation (2026 Q 2), p7](https://app.finbar.com/go?id=P162714326)
11. [OneMain Holdings, Inc. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P145051613)
12. [OneMain Holdings, Inc. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P145051478)
13. [www.onemainfinancial.com](https://www.onemainfinancial.com/credit-cards)
14. [www.onemainfinancial.com](https://www.onemainfinancial.com/legal/brightway-rewards-terms-and-conditions)
15. [OneMain Holdings, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=P11038176)
16. [OneMain Holdings, Inc. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P145051614)
17. [OneMain Holdings, Inc. — Presentation (2026 Q 2), p7](https://app.finbar.com/go?id=T18933411)
18. [investor.onemainfinancial.com](https://investor.onemainfinancial.com/overview/default.aspx)
19. [www.onemainfinancial.com](https://www.onemainfinancial.com/branches)
20. [OneMain Holdings, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=P8381324)
21. [www.sec.gov](https://www.sec.gov/Archives/edgar/data/1584207/000158420726000008/omf-20251231.htm)
22. [OneMain Holdings, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=T9817712)
23. [OneMain Holdings, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=P38310933)
24. [OneMain Holdings, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=P49236880)
25. [OneMain Holdings, Inc. — Full financial report (2025 Y)](https://app.finbar.com/go?id=T6617339)
26. [OneMain Holdings, Inc. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P145051549)
27. [OneMain Holdings, Inc. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P145051552)
28. [www.sec.gov](https://www.sec.gov/Archives/edgar/data/1584207/000110465915015978/a15-5806_1ex99d1.htm)
29. [www.sec.gov](https://www.sec.gov/Archives/edgar/data/5272/000095012310075948/y86095exv1.htm)
30. [investor.onemainfinancial.com](https://investor.onemainfinancial.com/News/news-details/2013/Springleaf-Holdings-Inc-Announces-Upsizing-and-Pricing-of-Initial-Public-Offering/default.aspx)
31. [OneMain Holdings, Inc. — Full financial report (2015 Y)](https://app.finbar.com/go?id=P191101238)
32. [OneMain Holdings, Inc. — Full financial report (2015 Y)](https://app.finbar.com/go?id=P191101243)
33. [OneMain Holdings, Inc. — Full financial report (2016 Y)](https://app.finbar.com/go?id=P189067205)
34. [investor.onemainfinancial.com](https://investor.onemainfinancial.com/News/news-details/2018/OneMain-Holdings-Inc-Names-Doug-Shulman-President-and-Chief-Executive-Officer/default.aspx)
35. [investor.onemainfinancial.com](https://investor.onemainfinancial.com/governance/board-of-directors/default.aspx)
36. [investor.onemainfinancial.com](https://investor.onemainfinancial.com/News/news-details/2024/OneMain-Holdings-Inc.-Completes-Acquisition-of-Foursight-Capital-LLC/default.aspx)

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