Earnings Rebound and Credit Performance
Projected Earnings Rebound, Amidst Revenue Growth & Improved Credit
Performance
($ in millions)
10
$351
2021A
Total Revenue
$453
2022A
$510
$66
2023P1
2021A
Adjusted Net Income²
$5
2022A
$41
2023P1
1. 2023P represents the midpoint of full year 2023 guidance. Refer to slide 14 for more details.
2. Non-GAAP Financial Measures: Adjusted Net Income is a financial measure that has not been prepared in accordance with GAAP. See the disclaimer on "Non-GAAP Financial Measures" on slide 1 for a detailed
description of such Non-GAAP financial measure and the appendix for a reconciliation of such Non-GAAP financial measure to its most directly comparable GAAP financial measure. A reconciliation of projected 2023
Adjusted Net Income to the most directly comparable GAAP financial measure is not included in this presentation because, without unreasonable efforts, the Company is unable to predict with reasonable certainty the
amount or timing of non-GAAP adjustments that are used to calculate this measure.
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