OneMain Financial Performance Overview
ODART key performance metrics
3 month net annualized loss¹
Monthly payment rate²
5.0%
10.0%
9.0%
4.0%
8.0%
7.0%
3.0%
6.0%
5.0%
2.0%
4.0%
3.0%
1.0%
2.0%
1.0%
0.0% +
0.0%
1
4
7
10
2017-1
-2017-2
13 16 19 22 25
-2018-1
28 31
34
2019-1
Prepays (CRR)3,4
80.0%
60.0%
40.0%
20.0%
Without
Renewals
0.0%
With
Renewals
Without
Renewals
Jan-18 May-18
-2017-1
Sep-18 Jan-19 May-19 Sep-19 Jan-20
―2017-2 -2018-1 -2019-1
60+ Delinquency
5.0%
4.0%
With
Renewals
3.0%
Jan-18 May-18 Sep-18 Jan-19 May-19
-2017-1 2017-2 -2018-1
OneMain Financial
2.0%
1.0%
0.0%
Sep-19
2019-1
Jan-20
1
4
7
-2017-1
10
13 16 19 22 25 28 31
―2017-2
2018-1
34
2019-1
Solid Line: Revolving Period; Dotted Line: Amortization
As of February 2020 Payment Date
1. Elevated losses occur during amortization period because of declining denominator while losses in the numerator are on a 6 month lag. 2. Payment rate = Principal collections
divided by beginning of period balance. 3. Renewals remain in transaction during the revolving period and are treated as full payoff during the amortization period. 4. Scheduled
principal calculated based on trust weighted averages.
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