OneMain Financial Performance Overview
We are better positioned today than 10 years ago
Today, we are very well positioned for any macroeconomic scenario
2009 pro forma²
2019
Portfolio secured mix
Portfolio secured mix
Improved payment
Improved
product mix (C&I)¹
32%
Focused growth
strategy
Central servicing
capability
2Y CAGR of unsecured portfolio
20%*
Virtually none
52%
2Y CAGR of unsecured portfolio
2%
1,000+
team members
focused on collections
hierarchy
Disciplined
growth
Drives lower
losses
Avg. APR on originations
Avg. APR on originations
Attractive pricing
~24%
~27%
OneMain Financial.
Improved
margins
1. See Q4 2019 earnings presentation for reconciliations and disclosures required by Regulation G for Non-GAAP Financial Measures along with glossary of select
calculations. 2. 2009 pro forma reflects Legacy OneMain and Legacy Springleaf combined. 3. Represents 2006 to 2008 CAGR leading up to the beginning of 2009.
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