Investor Presentaiton
OneMain Direct Auto vs other auto issuers
•
Significant percentage of lower-loss, returning customers and no dependencies on dealer sourced data accuracy
•
Robust customer relationships, ability to pay underwriting, income verified and centrally-set interest rates
12.0%
10.0%
8.0%
6.0%
4.0%
2.0%
0.0%
Jun-15
Jun-16
OneMain Financial.
Jun-17
-Subprime
1. OneMain Direct Auto: Vehicles 0-10 years old only.
S&P Index: annualized net loss rates 1,2
6.9%
6.0%
2.9%3
0.5%
Jun-18
Jun-19
Jun-20
Jun-21
Jun-22
Jun-23
Subprime Modified (ex. Deep Subprime)
Prime
OneMain Direct Auto
2. Source: S&P U.S Auto Loan ABS Tracker: August 2023 Performance.
3. Represents OneMain Direct Auto annualized net loss rate as of 6/30/23.
55
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