OneMain (OMF) - 2023 Q4 - Earnings Call Transcript

Micah Conrad I touched on it a little bit in the prepared remarks, but I can lay it out a little bit further. Second half originations this year were, as we showed, 10% below the second half of '22. So we're down 8% in the third quarter relative to the prior year period, down 13% in the fourth quarter. So it's, of course, due to our continued tightening and our pricing actions we've taken throughout the year. So what that results in is second half originations in 2023 So you can really see the impact there ...