Investor Presentaiton
ODART Key Performance Metrics
3 Month Net Annualized Loss¹
3.0%
2.5%
2.5%
2.0%
2.0%
1.5%
1.5%
1.0%
1.0%
0.5%
0.5%
0.0%
0.0%
1 4 7
10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55
1
4
7
2019-1
-2021-1
2022-1
-2023-1
Prepays (CRR)3,4
60+ Delinquency
10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55
2019-1
2021-1
2022-1
Monthly Payment Rate²
2023-1
60.0%
9.0%
8.0%
50.0%
7.0%
40.0%
6.0%
5.0%
30.0%
4.0%
20.0%
3.0%
2.0%
10.0%
1.0%
0.0%
0.0%
Sep-20
Mar-21
Sep-21
Mar-22
Sep-22
Mar-23
Sep-23
Sep-20
Mar-21
Sep-21
Mar-22
Sep-22
Mar-23
Sep-23
2019-1
2021-1
2022-1
2023-1
2019-1
2021-1
2022-1
2023-1
OneMain Financial.
As of September 2023 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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