ONEMAIN FINANCE CORP
For the period ended Dec 31, 2025. Filed Feb 6, 2026.
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FY2025 · Filed Feb 6, 2026
OMF$55.35-0.3%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Item 8. Consolidated Statements of Cash Flows
Consolidated Statements of Cash Flows
| (dollars in millions) | |||
|---|---|---|---|
| Years Ended December 31, | 2025 | 2024 | 2023 |
| Cash flows from operating activities | |||
| Net income | $782 | $509 | $641 |
| Reconciling adjustments: | |||
| Provision for finance receivable losses | 1,997 | 2,040 | 1,721 |
| Depreciation and amortization | 287 | 277 | 257 |
| Deferred income tax charge (benefit) | 43 | (42) | (36) |
| Net loss on repurchases and repayments of debt | 67 | 34 | — |
| Share-based compensation expense, net of forfeitures | 36 | 30 | 36 |
| Gain on sales of finance receivables | (64) | (23) | (52) |
| Other | (4) | (1) | (4) |
| Cash flows due to changes in other assets and other liabilities | (14) | (125) | (44) |
| Net cash provided by operating activities | 3,130 | 2,699 | 2,519 |
| Cash flows from investing activities | |||
| Net principal originations and purchases of finance receivables | (4,245) | (3,806) | (3,557) |
| Proceeds from sales of finance receivables | 1,096 | 574 | 641 |
| Foursight Acquisition, net of cash acquired | — | (64) | — |
| Available-for-sale securities purchased | (321) | (272) | (179) |
| Available-for-sale securities called, sold, and matured | 393 | 373 | 323 |
| Other securities purchased | (9) | (12) | (5) |
| Other securities called, sold, and matured | 22 | 19 | 6 |
| Other, net | (97) | (78) | (91) |
| Net cash used for investing activities | (3,161) | (3,266) | (2,862) |
| Cash flows from financing activities | |||
| Proceeds from issuance and borrowings of long-term debt, net of issuance costs | 7,972 | 4,388 | 4,819 |
| Repayments and repurchases of long-term debt | (6,824) | (3,687) | (3,328) |
| Cash dividends | (615) | (560) | (544) |
| Withholding tax on share-based compensation | (13) | (11) | (10) |
| Net cash provided by financing activities | 520 | 130 | 937 |
| Net change in cash and cash equivalents and restricted cash and restricted cash equivalents | 489 | (437) | 594 |
| Cash and cash equivalents and restricted cash and restricted cash equivalents at beginning of period | 1,108 | 1,545 | 951 |
| Cash and cash equivalents and restricted cash and restricted cash equivalents at end of period | $1,597 | $1,108 | $1,545 |
| ONEMAIN FINANCE CORPORATION AND SUBSIDIARIESConsolidated Statements of Cash Flows (Continued) | |||
|---|---|---|---|
| (dollars in millions) | |||
| Years Ended December 31, | 2025 | 2024 | 2023 |
| Supplemental cash flow information | |||
| Cash and cash equivalents | $898 | $424 | $1,011 |
| Restricted cash and restricted cash equivalents | 699 | 684 | 534 |
| Total cash and cash equivalents and restricted cash and restricted cash equivalents | $1,597 | $1,108 | $1,545 |
| Interest paid | $(1,236) | $(1,144) | $(968) |
| Income taxes paid | |||
| Federal | (96) | (177) | (171) |
| State and local | (26) | (37) | (37) |
| Foreign | (5) | (5) | (7) |
| Income taxes paid | (127) | (219) | (215) |
| Cash paid for amounts included in the measurement of operating lease liabilities | (60) | (58) | (59) |
| Supplemental non-cash activities | |||
| Right-of-use assets obtained in exchange for operating lease obligations | $22 | $47 | $67 |
Restricted cash and restricted cash equivalents primarily represent funds required to be used for future debt payments relating to our secured transactions.
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