OneMain Holdings, Inc. (OMF) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:02.074 Please stand by. Your meeting is about to begin. 00:00:02.074 -- 00:00:04.074 Good 00:00:04.397 -- 00:00:09.825 morning, everyone. Welcome to today's OneMain Financial Fourth Quarter 2025 Earnings 00:00:09.825 -- 00:00:12.209 Conference Call and Webcast. 00:00:12.209 -- 00:00:17.456 Hosting the call today from OneMain is Peter Pullian, Head of Investor Relations. 00:00:17.456 -- 00:00:21.322 Today's call is being recorded. At this time, all participants have been placed in a 00:00:21.322 -- 00:00:26.660 listen-only mode, and the floor will be open for your questions following the presentation. 00:00:26.660 -- 00:00:31.526 If you would like to ask a question at that time, please press star one on your telephone. 00:00:31.526 -- 00:00:35.551 If at any point your question has been answered, you may remove yourself from the queue 00:00:35.551 -- 00:00:40.718 by pressing star two. We do ask that you please limit yourself to one question and one 00:00:40.718 -- 00:00:46.044 follow-up, and please pick up your handset to allow for optimal sound quality. 00:00:46.044 -- 00:00:51.351 Lastly, if you should require operator assistance, please press star zero at any time. 00:00:51.351 -- 00:00:53.794 It is now my pleasure to turn the meeting over to Mr. 00:00:53.794 -- 00:00:56.917 Peter Pullian. Please go ahead, sir. 00:00:56.917 -- 00:01:01.124 Thank you, operator. Good morning, everyone, and thank you for joining us. 00:01:01.124 -- 00:01:06.392 Let me begin by directing you to page two of the fourth quarter 2025 investor 00:01:06.392 -- 00:01:10.939 presentation, which contains important disclosures concerning forward-looking statements 00:01:10.939 -- 00:01:15.666 and the use of non-GAAP measures. The presentation can be found in the inves...