Onemain Holdings, Inc. · NYSE:OMF
Onemain — Q3 2026 Earnings Presentation
19 slides from Onemain's earnings presentation, Oct 30, 2026
Slide 1: 3Q26 Financial Results
3Q26 Financial Results NYSE: OMF | October 30, 2026
Slide 2: Important Information
Important Information The following slides are part of a presentation by OneMain Holdings, Inc. (the "Company") in connection with reporting quarterly financial results and are intended to be viewed as part of that presentation. No representation is made that the information in these slides is compl
Slide 3: Our Vision is to be the Lender of Choice for the Nonprime Consumer
Our Vision is to be the Lender of Choice for the Nonprime Consumer Meet their Progress to a needs today better future Unsecured loans OneMain Financial wellness Secured loans Customers Insurance Auto finance Bill negotiation Credit cards 3
Slide 4: 3Q26 Financial Highlights
3Q26 Financial Highlights $28.1 billion $284 million $1.51 Managed Receivables* Capital Generation* C&I Adjusted Diluted EPS* Up 9% YoY Up 4% YoY $3.2 billion $1.7 billion $2.3 billion Auto Managed Receivables* C&I Total Revenue* Market Issuance Up 7% YoY $1.7B ABS / $600MM Unsecured Bond $1.4 billi
Slide 5: 3Q26 Financial Results
3Q26 Financial Results ($ in millions, except Average Assets and Average Net Receivables in billions, and per share statistics) Earnings Summary C&I* Adjusted Earnings Summary 3Q26 2Q26 3Q25 3Q26 2Q26 3Q25 Consumer & Insurance* $232 $201 $303 Interest Income $1,487 $1,413 $1,386 Other Net Revenue 15
Slide 6: Originations & Receivables (C&I)
Originations & Receivables (C&I)* ($ in billions) Consumer Loan Originations Highlights $4.5 $4.3 • $4.5 billion in 3Q26, up 17% YoY, with conservative credit posture $3.9 $3.9 $3.6 $3.1 • Growth driven by personal loan product innovation and auto finance • ~60% of originations were secured 2Q25 3Q2
Slide 7: 3Q26 Credit Card and Auto Highlights
3Q26 Credit Card and Auto Highlights ($ in millions) Everyday transactions Financing at the point of purchase • Digital-first offering that rewards good • Deep experience in secured lending, credit behavior best-in-class capabilities and strong credit performance • Targeted and disciplined rollout •
Slide 8: Consumer Loan Delinquency Trends (C&I) - Includes Foursight
Consumer Loan Delinquency Trends (C&I)* - Includes Foursight1 ($ in millions) Highlights 30-89 Days Delinquent $803 $756 $768 • 30-89 delinquency of 3.08%, down 12bps YoY $706 $725 $666 • 30+ delinquency of 5.34%, down 21bps YoY 3.36% 3.20% 3.05% 3.02% 3.08% • 90+ delinquency of 2.26%, down 9bps YoY
Slide 9: Portfolio Performance is Supported by Credit Tightening (C&I)
Portfolio Performance is Supported by Credit Tightening (C&I)* - Includes Foursight1 Highlights • Front book2 continues to perform in line with expectations • Back book now accounts for 3% of receivables but contributes 10% to 30+ delinquency • 30-89 delinquency year-to-date change better than 2025
Slide 10: Credit Trends (C&I)
Credit Trends (C&I)* ($ in millions) Highlights Loss Reserve Trends $3,071 $2,818 $2,868 $2,821 $2,925 • Consumer Loan net charge-offs of 6.9%, with improving seasonal $2,758 patterns and in line with expectations • C&I net charge-offs of 7.2%, includes 35bps from credit card 11.5% 11.5% 11.5% 11.6%
Slide 11: Operating Expenses (C&I)
Operating Expenses (C&I)* ($ in millions) Highlights • 3Q26 operating expense of $453 million, up 6% YoY, compared to 9% managed receivables growth • Continued disciplined expense management and investment to scale our credit card and auto finance businesses, new initiatives in personal loans, and d
Slide 12: Balance Sheet & Funding
Balance Sheet & Funding Unsecured Bank Facilities Secured Secured Debt Mix ($ in billions, unless noted) 54% 51% 52% 52% 50% Highlights $7.5 $7.5 $7.5 $7.5 $7.5 • Well-positioned funding profile with balanced debt mix, staggered $1.1 $1.1 $1.1 $1.0 $1.0 maturities and significant liquidity • Issued
Slide 13: Capital Allocation Framework
Capital Allocation Framework 1 2 Business Investment • Balance sheet growth: managed Regular Dividend 3 receivables up 9% YoY • Board declared regular quarterly • Continue to invest in new products and channels, data science, dividend of $1.05 per share, Share Repurchases payable November 13 technol
Slide 14: 2026 Strategic Priorities (C&I)
2026 Strategic Priorities (C&I)* Key Metrics February 5, 2026 October 30, 2026 Managed Receivables Growth 6% – 9% High end of range C&I Net Charge-offs 7.4% – 7.9% Higher end of range Operating Expense Ratio ~6.6% Unchanged *See appendix for Non-GAAP Financial Measures reconciliations along with def
Slide 15: Appendix
Appendix
Slide 16: Reconciliation of Non-GAAP Measures
Reconciliation of Non-GAAP Measures (unaudited, $ in millions) 3Q26 2Q26 1Q26 4Q25 3Q25 FY25 FY24 Consumer & Insurance $231 $194 $293 $247 $261 $988 $707 Other - (1) - - (2) (4) (1) Segment to GAAP adjustment 2 3 3 2 4 17 (39) Income before income taxes - GAAP basis $233 $196 $296 $249 $263 $1,001 $
Slide 17: Reconciliation of Non-GAAP Measures (cont'd)
Reconciliation of Non-GAAP Measures (cont’d) (unaudited, $ in millions) 9/30/2026 6/30/2026 3/31/2026 12/31/2025 9/30/2025 Consumer & Insurance $26,283 $25,157 $24,463 $24,853 $24,490 Segment to GAAP adjustment (10) (12) (16) (20) (25) Net finance receivables - GAAP basis $26,273 $25,145 $24,447 $24
Slide 18: Consumer Loan Delinquency Trends (C&I) - Excludes Foursight
Consumer Loan Delinquency Trends (C&I)* - Excludes Foursight1 ($ in millions) 9/30/2026 6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 30+ delinquency $1,230 $1,147 $1,166 $1,286 $1,217 $1,116 90+ delinquency $546 $504 $580 $580 $543 $480 30-89 delinquency $684 $643 $586 $706 $674 $636 30+ delin
Slide 19: Defined Terms
Defined Terms • Auto Finance: financing at the point of purchase through a network of auto dealerships • Average assets: average of monthly average total assets (total assets at the beginning and end of each month divided by two) in the period • C&I adjusted diluted EPS: C&I adjusted net income (non