| --- | --- | --- | |------------------------------------------------------|-------|-------| | | | | | | | | | | | | | | | | | 3Q22 NYSE: OMF \| October 26, 2022 Financial Results | | | | | | | Important Information The following slides are part of a presentation by OneMain Holdings, Inc. (the "Company") in connection with reporting quarterly financial results and are intended to be viewed as part of that presentation. No representation is made that the information in these slides is complete. For additiona ...

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 ...