Financial Performance - Net income for 2Q21 was $350 million, a 293% increase year-over-year compared to $89 million in 2Q20[20] - Consumer & Insurance (C&I) adjusted net income for 2Q21 was $358 million, up 235% year-over-year from $107 million in 2Q20[20] - Strong capital generation of $310 million in 2Q21, a 46% increase year-over-year[18] - Managed Receivables grew by $705 million in 2Q21, up 4% quarter-over-quarter and 3% year-over-year, reaching $183 billion[18, 23] Credit Quality - C&I net charge-offs for 2Q21 were 44%, down 192 bps year-over-year[18] - The company reduced its full-year 2021 C&I credit loss expectation to approximately 42%[18] - Provision for loan losses decreased by 69% year-over-year, from $422 million in 2Q20 to $130 million in 2Q21[23] Capital & Liquidity - The board declared a dividend of $420 per share, including a minimum dividend of $070 and an enhanced dividend of $350[18, 22] - The company repurchased 612K shares for $35 million in 2Q21, with $120 million remaining authorized for repurchases as of June 30, 2021[18, 22] - Completed $850 million 5-year revolving ABS at 156% and $750 million Social Bond due 2027 at 350%[18] - The company's liquidity runway exceeds 24 months as of June 30, 2021[18] Future Outlook - The company aims to double its customer base and achieve 50%+ customers with 2 or more products by 2025[33] - The company projects capital generation to reach $15 billion+ by 2025[33]

OneMain Holdings, Inc. (NYSE:OMF) Q2 2021 Earnings Conference Call July 22, 2021 9:00 AM ET Company Participants Peter Poillon – Head of Investor Relations Doug Shulman – Chairman and Chief Executive Officer Micah Conrad – Chief Financial Officer Conference Call Participants Michael Kaye – Wells Fargo Kevin Barker – Piper Sandler John Hecht – Jefferies Mark DeVries – Barclays Moshe Orenbuch – Credit Suisse Rick Shane – JPMorgan Kenneth Lee – RBC Capital Markets John Rowan – Janney Operator Welcome to OneMai ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) OR (Exact name of registrant as specified in its charter) ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Delaware (OneMain Holdings, Inc.) 27-3379612 For the transition period from to Indiana (OneMain Finance Corporation) 35-0416090 ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001-36129 (OneMain Holdings, ...

Call Start: 08:00 January 1, 0000 8:59 AM ET OneMain Holdings, Inc. (NYSE:OMF) Q1 2021 Earnings Conference Call April 27, 2021, 8:00 am ET Company Participants Peter Poillon - Head, IR Doug Shulman - Chairman & CEO Micah Conrad - CFO Conference Call Participants Michael Kaye - Wells Fargo Moshe Orenbuch - Credit Suisse Arren Cyganovich - Citi Kevin Barker - Piper Sandler John Rowan - Janney Giuliano Bologna - Compass Point Vincent Caintic - Stephens Operator Welcome to the OneMain Financial First Quarter 20 ...

Financial Performance Highlights - OneMain Financial's 1Q21 net income was $413 million, a 1,191% increase year-over-year[21] - Consumer & Insurance (C&I) adjusted net income was $455 million, up 911% year-over-year[21] - Strong capital generation of $299 million in 1Q21, a 35% increase year-over-year[4,20] - Net charge-offs decreased to 47% in 1Q21, down 179 bps year-over-year[4,24] Capital and Liquidity - Increased minimum dividend by 56% to $070 per share in 2Q21[4,20] - Commenced a $150 million share repurchase program[4,20] - Liquidity runway in excess of 24 months as of March 31, 2021[4,20] Portfolio and Receivables - Ending net receivables (ENR) of $176 billion, down 4% year-over-year, impacted by mid-March stimulus[24] - Portfolio secured mix of 52%, flat year-over-year[24] - Yield of 240%, down 3 bps year-over-year[24] Strategic Initiatives - Accelerated omni-channel distribution with 46% of loans closed digitally in 1Q21[4,20] - Credit card launch on track for 2H21, building infrastructure to support a multi-billion-dollar product line[4,20] - Acquired Trim, a customer-focused financial wellness fintech, with over 600K linked bank accounts and ~1 billion customer transactions[32,34]

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 March 31, 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 (Exact ...

OneMain Financial. OneMain Financial Company Overview February 25th, 2021 Important Information This presentation contains summarized information concerning OneMain Holdings, Inc. (the "Company") and the Company's business, operations, financial performance and trends. No representation is made that the information in this presentation is complete. For additional financial, statistical and business related information see the Company's most recent Annual Report on Form 10-K ("Form 10-K") and Quarterly Repor ...

OneMain Holdings, Inc. (NYSE:OMF) Q4 2020 Earnings Conference Call February 9, 2021 8:00 AM ET Company Participants Rohit Dewan - Interim Head, IR Doug Shulman - Chairman & CEO Micah Conrad - CFO Conference Call Participants Michael Kaye - Wells Fargo Mark DeVries - Barclays Moshe Orenbuch - Crédit Suisse John Rowan - Janney Rick Shane - JPMorgan John Hecht - Jefferies Kenneth Lee - RBC David Scharf - JMP Kevin Barker - Piper Sandler Bill Ryan - Compass Point Mike Grondahl - Northland Securities Operator We ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 001-36129 (OneMain Holdings, Inc.) 001-06155 (OneMain Finance Corporation) ONEMAIN HOLDINGS, INC. ONEMAIN FINANCE CORPORATION (Exact name of registrant as specified in its charter) Delaware (OneMain Holdings, Inc.) 27-3379612 Indiana (OneMain Finance Corporation) 35-0416090 (State of incorporation) (I.R.S. Employer Identification ...

1 OneMain Financial. | --- | --- | --- | --- | --- | |-------|-------|--------------|-------------------|-------| | | | | | | | | | | | | | | | | | | | | | | | | | | | | OneMain Financial | | | | | | | | | | | | | | | | | | | | | | | | | | | 3Q20 | | Earnings | | | | | | | | | | | | Presentation | | | October 26, 2020 2 Important Information 2 This presentation contains summarized information concerning OneMain Holdings, Inc. (the "Company") and the Company's business, operations, financial performance and ...