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OneMain (OMF) investor relations material
OneMain Barclays 23rd Annual Global Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Barclays 23rd Annual Global Financial Services Conference summary9 Sep, 2025
Economic environment and consumer health
Non-prime borrowers remain stable, with average incomes around $70,000 and strong employment rates; wage growth has caught up with inflation.
Internal branch surveys indicate customer sentiment has improved over the last nine months, and unemployment insurance claims remain steady.
No significant impact observed from the resumption of federal student loan payments; underwriting assumes student loan obligations regardless of deferment.
Credit performance and underwriting
Credit metrics are improving, with 30+ day delinquencies down 29 bps and overall losses down 88 bps year-over-year.
Loss guidance was revised to the lower half of the original range, reflecting confidence in credit quality.
Only 10% of the loan book predates mid-2022, but these account for 24% of delinquencies; newer loans are performing within the 6%-7% loss target.
Underwriting includes a 30% stress buffer, with potential to relax as customer performance improves.
Branch network and competitive advantage
The branch network, nearly 1,400 locations, is a key differentiator, providing personalized service and strong community ties.
Branches are incentivized on both loan production and credit performance, supported by advanced analytics.
Real estate costs are low, and the network is seen as integral to superior credit outcomes.
What triggers relaxing the 30% underwriting stress?
Key benefits of the ILC bank charter application?
How does the branch network enhance credit results?
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Q3 202531 Oct, 2025
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Frequently asked questions
OneMain Holdings, Inc. is a financial services holding company. The Company provides secured, unsecured and installment loans to consumers for the purchase of used vehicles and the repair and improvement of existing vehicles. OneMain also offers financing for individuals, including students, seeking to refinance existing student loans into fixed-rate, long-term loans. In addition, it offers insurance products consisting of personal property casualty and homeowners lines of insurance coverage in 17 states in the United States. It also conducts business as OneMain Financial owned by OneMain Consumer Loan Holdings, Inc.
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