OneMain Financial Performance Overview
Our results compare favorably across
consumer finance
Deep underwriting and servicing...
Process
✓ Proprietary data from 100+ year
history and $95B of originations in last
10 years
✓ Machine learning and Al modeling
✓ Alternative data sources
✓ 1,000+ attributes
Results
✓ 65% more predictive than
FICO1
✓ 27% fewer defaults vs
...drive superior performance
Yield
24.1%
26.7%
15.1%
16.9%
3.8%
13.1%
Risk-adjusted yield
Net charge-offs
18.1%
(6.0%)
10.5%
8.4%
7.0%
2.7%
3.1%
(0.7%)
(2.6%)
(8.5%)
(12.4%)
(19.7%)
competitors for borrowers with
FICO <6501
OneMain Financial.
Consumer
OneMain (C&I)²
Online lenders³
Auto Lenders³
finance banks4
Note: Data for 2019. 1. Source: Experian, internal analysis. 2. See Q4 2019 earnings presentation for reconciliations and disclosures required by Regulation G for Non-GAAP Financial
Measures along with glossary of select calculations. 3. KBRA Prime and Non-prime Auto Loan Index, Tier 2 (Prime) and Tier 3 (Non-prime) Consumer Loan Index. 4. Includes Ally, Capital
One, Discover, Sallie Mae, and Synchrony; yield includes non-interest income.
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