OneMain Financial Performance Overview slide image

OneMain Financial Performance Overview

OMFIT key performance metrics 3 month net annualized loss¹ 16.0% Monthly payment rate² 10.0% 14.0% 8.0% 12.0% 10.0% 6.0% 8.0% 6.0% 4.0% 4.0% 2.0% 2.0% 0.0% 0.0% 1 4 -2017-1 2018-1 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58 2015-1 2015-2 2015-3 2016-1 2018-2 2019-1 Jan-16 -2016-2 2016-3. - 2019-2 Prepays (CRR)3,4 80.0% With Renewals Without Renewals Jul-16 Jan-17 Jul-17 Jan-18 Jul-18 Jan-19 Jul-19 Jan-20 2015-1-2015-2 -2015-3-2016-1-2016-2-2016-3 2017-1 2018-1 60+ Delinquency 2018-2-2019-1-2019-2 7.0% 6.0% With 60.0% Renewals 5.0% 4.0% 40.0% Without 20.0% Renewals 3.0% 2.0%- 1.0% 0.0% 0.0% Jan-16 Jul-16 Jan-17 Jul-17 Jan-18 Jul-18 Jan-19 Jul-19 Jan-20 1 4 2015-1 -2017-1-2018-1 2015-2 2015-3 2018-2 2016-1 2019-1 2016-2 2016-3 2019-2 OneMain Financial 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58 2015-1 2015-2-2015-3-2016-1-2016-2-2016-3 2017-1-2018-1 2018-2 2019-1-2019-2 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. 48 48
View entire presentation