OneMain Holdings, Inc. (NYSE:OMF) Q2 2022 Earnings Conference Call July 28, 2022 8:30 AM ET Company Participants Peter Poillon - Head, IR Douglas Shulman - Chairman, President & CEO Micah Conrad - EVP & CFO Conference Call Participants Michael Kaye - Wells Fargo Securities Richard Shane - JPMorgan Chase & Co. Vincent Caintic - Stephens Inc. Kevin Barker - Piper Sandler & Co. John Hecht - Jefferies Moshe Orenbuch - Crédit Suisse Operator Welcome to the OneMain Financial Second Quarter 2022 Earnings Conferenc ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-36129 (OneMain Holdings, Inc.) 001-06155 (OneMain Finance Corporation) ONEMAIN HOLDINGS, INC. ONEMAIN FINANCE CORPORATION (Exact ...

OneMain Holdings, Inc. (NYSE:OMF) Q1 2022 Earnings Conference Call April 29, 2022 8:30 AM ET Company Participants Peter Poillon - Head of Investor Relations Doug Shulman - Chairman and Chief Executive Officer Micah Conrad - Executive Vice President and Chief Financial Officer Conference Call Participants Michael Kaye - Wells Fargo Vincent Caintic - Stephens Moshe Orenbuch - Credit Suisse John Hecht - Jefferies David Scharf - JMP Securities Mark DeVries - Barclays Rick Shane - JPMorgan Operator Welcome to th ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q Delaware (OneMain Holdings, Inc.) 27-3379612 Indiana (OneMain Finance Corporation) 35-0416090 (Exact name of registrant as specified in its charter) (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commis ...

Employee Engagement and Diversity - As of December 31, 2021, OneMain had over 8,800 employees, emphasizing a commitment to diversity and inclusion with 38% of the Board of Directors being ethnic or racial minorities and 25% women[56][58] - 84% of team members participated in the annual Employee Engagement Survey, indicating a high level of engagement within the organization[59] Corporate Social Responsibility - OneMain entered a $4 million service contract with EVERFI to develop and distribute free digital financial education to 1,500 high schools over four academic years, aiming to enhance financial literacy[64] - In June 2021, OneMain issued its inaugural Social Bond, with at least 75% of the loans funded allocated to women or minority borrowers, reinforcing its commitment to financial inclusion[63] - OneMain's approach to corporate social responsibility includes initiatives for financial literacy, community development, and social justice, reflecting its mission to improve financial well-being[62] Financial Performance - Net income for 2021 was $1,314 million, a significant increase from $730 million in 2020, resulting in a basic earnings per share of $9.90 compared to $5.42 in the previous year[333] - The provision for finance receivable losses decreased from $1,319 million in 2020 to $593 million in 2021, indicating improved credit quality[333] - Total other revenues of $531 million in 2021, slightly up from $526 million in 2020, with insurance revenues contributing $434 million[333] - Comprehensive income for 2021 was $1,281 million, compared to $780 million in 2020, reflecting a strong performance[348] Risks and Challenges - The company faces risks related to economic conditions affecting borrowers' ability to repay loans, particularly among nonprime borrowers who are more vulnerable to adverse conditions[72][73] - The company is exposed to operational risks due to remote work arrangements implemented during the COVID-19 pandemic, which may affect cybersecurity and overall business continuity[77][78] - The competitive landscape in the consumer finance industry poses risks, as competitors may have greater resources and lower costs of funds[104] - Cybersecurity risks, including data breaches and system failures, could disrupt operations and result in significant reputational and financial harm[93] Financial Position and Liquidity - The company emphasizes the importance of generating sufficient cash to service all outstanding debt and maintain liquidity[132] - The company may be required to indemnify or repurchase finance receivables that do not meet certain criteria, which could impact its financial condition and liquidity[91] - The company's ability to fund operational requirements may be adversely affected if it cannot access adequate sources of liquidity[126] Regulatory and Compliance Issues - The company is subject to regulatory scrutiny and potential penalties related to its operations, which could adversely affect its financial condition and results of operations[105] - The CFPB's supervisory authority over the company's real estate servicing activities could lead to increased regulatory compliance costs[115] - The company may face heightened regulatory scrutiny regarding the purchase and sale of finance receivables, especially those in default[121] Asset Management and Valuation - The company faces challenges in accurately valuing financial assets and liabilities due to market disruptions, which could adversely affect its financial condition and results of operations[87] - The company's allowance for finance receivable losses is a critical accounting estimate, requiring significant assumptions about collectability based on historical data and economic trends[85][86] - The company charges off personal loans and credit cards that are beyond seven payments (approximately 180 days) past due, with specific exceptions for bankruptcy cases[373] Shareholder and Stock Information - The company currently has 1,872,540,640 shares of common stock authorized but unissued, which may be issued without stockholder approval, potentially diluting existing stockholders[152] - The company intends to pay a minimum quarterly dividend of $0.95 per share, but future dividends will depend on various financial factors and may not be guaranteed[142] - Cash dividends declared were $9.55 per share in 2021, compared to $5.94 per share in 2020[338] Operational Overview - The company operates approximately 1,400 branch locations across 44 states, supporting its branch business through centralized operations[158] - The company has lease agreements for administrative offices in multiple states, with expiration dates ranging from 2022 to 2028[159] - The company relies on its operating subsidiaries for funds to meet financial obligations, and restrictions on these subsidiaries could impact dividend payments[141]

OneMain Holdings, Inc. (NYSE:OMF) Q4 2021 Results Conference Call February 3, 2022 8:30 AM ET Company Participants Peter Poillon - Head of Investor Relations Doug Shulman - Chairman of the Board and Chief Executive Officer Micah Conrad - Executive Vice President and Chief Financial Officer Conference Call Participants Michael Kaye - Wells Fargo Kevin Barker - Piper Sandler Vincent Caintic - Stephens Inc Moshe Orenbuch - Credit Suisse Rick Shane - JP Morgan Mengxian Jiao - Deutsche Bank John Rowan - Janney J ...

OneMain Financial. | --- | --- | --- | --- | --- | --- | |-------|-------|---------------|-------|-------------------|-------| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | OneMain Financial | | | | | | | | | | | | | | | | | | | | | | | | | | 4Q21 Earnings | | | | | | | | | | | | | | Presentation | | | | February 3, 2022 Important Information Cautionary Note Regarding Forward-Looking Statements This document contains "forward-looking statements" within the meaning of the Pr ...

OneMain Holdings, Inc (NYSE:OMF) Q3 2021 Earnings Conference Call October 21, 2021 8:30 AM ET Company Participants Peter Poillon - Head of Investor Relations Doug Shulman - Chairman of the Board and Chief Executive Officer Micah Conrad - Executive Vice President and Chief Financial Officer Conference Call Participants Michael Kaye - Wells Fargo Kevin Barker - Piper Sandler Vincent Caintic - Stephens Inc Moshe Orenbuch - Credit Suisse Rick Shane - JP Morgan Mengxian Jiao - Deutsche Bank John Rowan - Janney ...

1 OneMain Financial. | --- | --- | --- | --- | --- | --- | --- | |-------|-------|-------|--------------|-------|-------------------|-------| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | OneMain Financial | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | 3Q21 | | | Earnings | | | | | | | | | | | | | | | | Presentation | | | | October 20, 2021 2 Important Information Cautionary Note Regarding Forward-Looking Statements This presentation conta ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-36129 (OneMain Holdings, Inc.) 001-06155 (OneMain Finance Corporation) ONEMAIN HOLDINGS, INC. ONEMAIN FINANCE CORPORATION (E ...