OMF OneMain Holdings margins

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  2. Financial Services
  3. NYSE: OMF
  4. Margins
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Relative Growth: Rel. Growth: 45
Relative Strength: Rel. Strength: 39
Relative Valuation: Rel. Valuation: 75
Relative Profitability: Rel. Profitability: 81
Gross margin
93.4%
Operating margin
32.8%
EBITDA margin
42.9%
Net margin
25.8%

For this period, OneMain Holdings reports a gross margin of 93.4%, an operating margin of 32.8%, an EBITDA margin of 42.9%, and a net margin of 25.8%. All reported margins improved year over year, led by net margin with an increase of 0.7 percentage points.

OMF margin history

Gross, operating, EBITDA and net margin trends

OneMain Holdings's margins averaged 92.79% gross, 31.66% operating, 42.03% EBITDA, and 24.4% net during the last 3 years. Currently all four current margins are above their three-year averages.

OMF margin expansion

Year-over-year margin changes in percentage points

Year over year, gross, operating, EBITDA, and net margins all increased, with net margin showing the largest gain at 0.7 percentage points.

Gross margin expansion
0.5pp
Operating margin expansion
0.2pp
EBITDA margin expansion
0.2pp
Net margin expansion
0.7pp

OMF Gross margin

Over the last 3 years, OneMain Holdings's gross margin averaged 92.79%. At present, OneMain Holdings's current gross margin is 93.4%, which is 0.6 percentage points above its three-year average. During this period, gross margin reached a high of 93.5% in Jun 2026 and a low of 92.2% in Jun 2024.

OMF Operating margin

The average operating margin for OneMain Holdings was 31.66% during the last 3 years. At present, the current operating margin for OneMain Holdings is 32.8%, 1.1 percentage points above its three-year average. The operating margin for OneMain Holdings moved between 27.1% in Dec 2024 and 34.4% in Mar 2026.

OMF EBITDA margin

OneMain Holdings recorded an average EBITDA margin of 42.03% across the last 3 years. OneMain Holdings currently reports an EBITDA margin of 42.9%, 0.9 percentage points above its three-year average. Over the last 3 years, OneMain Holdings's EBITDA margin peaked at 44.3% in Dec 2025 and reached a low of 38.3% in Dec 2024.

OMF Net margin

Over the last 3 years, OneMain Holdings recorded an average net margin of 24.4%. As of the latest period, the current net margin for OneMain Holdings is 25.8%, 1.4 percentage points above its three-year average. The highest net margin for OneMain Holdings was 26.9% in Dec 2025, while the lowest was 20.7% in Dec 2024.

OMF margin group comparison

Margins compared with peer-group, industry and sector averages

OneMain Holdings's gross margin of 93.4% is above the Financial Services sector and the industry average. Compared to its Financial Services sector average of 83.4%, OneMain Holdings's gross margin is 12% higher.

OMF margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is OneMain Holdings's gross margin?

As of Sep 30, 2026, OMF has a gross margin of 93.4%.

What is OneMain Holdings's operating margin?

As of Sep 30, 2026, OMF has an operating margin of 32.8%.

What is OneMain Holdings's EBITDA margin?

For the period ending Sep 30, 2026, OMF recorded an EBITDA margin of 42.9%.

What is OneMain Holdings's net margin?

The current net margin for OMF is 25.8% as of Sep 30, 2026.

What are the average margins of OMF?

The three-year average margins for OMF were 92.8% gross, 31.7% operating, 42.0% EBITDA, and 24.4% net.

What are the highest historical margins of OMF?

Across the 5-year period, OMF posted its highest margins at 94.8% gross in Dec 2021, 51.7% operating in Dec 2021, 59.6% EBITDA in Dec 2021, and 39% net in Dec 2021.

What are the lowest historical margins of OMF?

Over this 5-year history, OneMain Holdings's margins fell as low as 92.2% gross in Jun 2024, 27.1% operating in Dec 2024, 38.3% EBITDA in Dec 2024, and 20.7% net in Dec 2024.