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Moisture. Most cases of splitting nails are caused by moisture, according to the American Osteopathic College of Dermatology. Repeatedly wetting and drying your hands, and, by extension, your fingernails, can cause the nails to dry out. Too much moisture can also weaken the nails, softening them and causing them to peel.
Obsessive-compulsive disorder can show up in the nails through persistent nail-biting or picking, Fox says. Even common disorders like thyroid disease can cause abnormalities in the nail beds, producing dry, brittle nails that crack and split easily. He lists the following 10 examples of nail changes that could indicate a serious medical condition.