Investor Presentaiton
OMFIT Key Performance Metrics
3 Month Net Annualized Loss¹
60+ Delinquency
6.0%
14.0%
12.0%
5.0%
10.0%
4.0%
8.0%
3.0%
6.0%
2.0%
4.0%
1.0%
2.0%
0.0%
0.0%
T
2019-1
2016-3
2019-2
2017-1
2020-1
1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58 61 64 67 70 73 76 79 82
2015-3
1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58 61 64 67 70 73 76 79 82
2018-1
2020-2
-2018-2
2021-1
-2015-3
2019-1
2016-3
2019-2
2017-1
-2020-1
-2018-1
2020-2
2018-2
-2021-1
2022-1
-2022-2
2022-3
-2023-1
2023-2
2022-1
2022-2
Prepays (CRR)3,4
2022-3
Monthly Payment Rate²
2023-1
2023-2
10.0%
60.0%
50.0%
8.0%
40.0%
6.0%
30.0%
4.0%
20.0%
2.0%
10.0%
0.0%
0.0%
Sep-19 Mar-20
2015-3
Sep-20 Mar-21 Sep-21 Mar-22 Sep-22
Mar-23 Sep-23
Sep-19
Mar-20
Sep-20 Mar-21 Sep-21 Mar-22
Sep-22
Mar-23 Sep-23
-2016-3
2017-1
2018-1
-2018-2
2015-3
-2016-3
2017-1
2018-1
2018-2
2019-1
-2022-1
2019-2
2022-2
2020-1
2022-3
2020-2
-2023-1
-2021-1
2019-1
2019-2
-2020-1
2020-2
2021-1
2023-2
2022-1
2022-2
2022-3
2023-1
2023-2
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.
OneMain Financial.
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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