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OneMain
OneMain (OMF) investor relations material
OneMain Bank of America Financial Services Conference 2026 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Bank of America Financial Services Conference 2026 summary11 Feb, 2026
Customer and portfolio health
Non-prime customers remain resilient, with incomes having caught up to inflation and steady employment trends, though no dramatic improvement in the past year.
Underwriting is highly granular, focusing on ability to repay rather than broad approval rates.
Portfolio resilience is supported by conservative credit box tightening since 2022, with a 30% stress overlay on loss assumptions.
Conservative approach includes maintaining a minimum 20% ROE on loans and erring on the side of caution in risk management.
Adjustments to credit criteria will be gradual and data-driven, requiring consistent outperformance before loosening.
Funding and balance sheet strategy
Funding is diversified across ABS, unsecured bonds, and over $7 billion in bank lines from 14 banks, ensuring a long liquidity runway.
The company maintains about two years of liquidity runway to withstand capital market disruptions.
Willing to incur higher interest expenses for a fortress balance sheet, prioritizing long-term stability over short-term earnings.
Funding strategy is seen as a core competitive advantage, earning investor trust.
Product and business diversification
Auto lending has grown through acquisition and platform integration, offering lower risk and complementing the core business.
Credit card receivables are growing, with cards and auto loans serving as complementary products to personal loans.
Card business leverages digital infrastructure and customer data, with lower acquisition costs and cross-sell opportunities.
Underwriting for all products maintains a 20% ROE threshold, with tailored models for each product type.
What data points trigger credit box loosening?
ILC: strategic value beyond funding?
How does omnichannel model drive performance?
Partial view of Summaries dataset, powered by Quartr API
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Next OneMain earnings date
Q1 202628 Apr, 2026
OneMain
Next OneMain earnings date
Q1 202628 Apr, 2026
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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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