OneMain (OMF) Investor presentation summary

Competitive advantages and business model

• Over 100 years serving nonprime consumers with a nationwide branch network and digital capabilities.

• Focus on responsible lending, compliance, and proactive portfolio protection.

• Diversified offerings include unsecured and secured loans, auto finance, and credit cards.

• Proprietary data and analytics drive underwriting and servicing, with 90% of new applications online.

• 20% market share in nonprime personal loans, with $225B in cumulative originations.

Customer profile and loan products

• Average customer FICO ~630, annual income $75k–$80k, and stable employment.

• Loan proceeds primarily used for debt consolidation, auto, home repair, and unexpected expenses.

• Product mix: 43% unsecured, 32% secured, 15% direct auto, 10% auto finance; average loan sizes $8k–$22k.

• BrightWay credit card and auto finance products launched with disciplined rollouts and strong engagement.

Funding, liquidity, and balance sheet strength

• $3–6B annual debt issuance, $11.8B unencumbered receivables, $7.5B bank capacity.

• No unsecured maturities until 2027; 4.6-year average bond maturity.

• Balanced secured/unsecured debt mix, 14 bank partners, and 24+ months liquidity runway.

• Target net leverage 4–6x, with 5.4x as of 4Q2025.