OneMain Financial Performance Overview
Personal loan cumulative net loss
OneMain vintage CNL performance well below
worst Financial Crisis vintage (2008)
All vintages a fraction of rating agency class D
(BBB-) 34% Stress first dollar loss scenario1
35.0%
30.0%
25.0%
20.0%
15.0%
10.0%
5.0%
OneMain combined PL annual vintage cumulative net loss²
OMFIT 2019-2
Rating Agency Class D
'BBB-' Curve
2008 Vintage
34.3%
15.8%
11.2%
9.9%
10.6%
8.8%
3.2%
0.0%
0
3 6
9
12
15
18
21
24 27
30
33
36
39 42
45
48
51
2014
2015
2016
2017
2018
OneMain Financial
54
54
57
40
60
1. Source: Internal Company Analysis. 2. Combined annual "OMH" Personal Loan (Unsecured, Secured Personal, and Direct Auto 9-10) Cumulative Net Loss;
Legacy OneMain "OMFH" reflects Gross Loss until system conversion (Q1 2017).
37
37View entire presentation