OneMain Holdings, Inc.

Entity and scope

• Publicly held financial services company consisting of OneMain Holdings, Inc. (OMH) and its wholly owned subsidiary OneMain Finance Corporation (OMFC).
• OMFC is the issuing entity of outstanding public debt securities; all OMFC common stock is owned by OMH.
• The combined report covers OMH and OMFC; information applies to both unless stated otherwise.
• Single reportable segment: Consumer and Insurance (C&I).

How the company positions itself

• A provider of responsible access to credit for nonprime consumers.
• Primary activities include originations, underwriting, and servicing of consumer loans, auto finance, credit cards, optional products, and a customer-focused financial wellness platform (Trim by OneMain).
• Insurance offerings are managed through wholly owned subsidiaries:
  • American Health and Life Insurance Company (AHL): life and health insurance (credit life, credit disability, non-credit insurance).
  • Triton Insurance Company (Triton): property and casualty insurance (credit involuntary unemployment, credit disability, collateral protection).

Core products and services

• Personal loans and auto financing (originating, underwriting, servicing).
• Credit cards (BrightWay) issued through a third-party bank partner, with receivables purchased by the company.
• Optional insurance products and financial wellness tools (Trim by OneMain).
• Servicing of loans owned by OneMain and loans owned by third parties.
• Strategic activities may include acquisitions, dispositions, joint ventures, and other alliances.

Scale and customer metrics (as of 12/31/2025)

• Finance receivables: $24.8 billion outstanding, from approximately 3.6 million customer accounts.
• Managed receivables: $26.3 billion, from approximately 3.8 million customer accounts.
• Branch network: more than 1,300 locations staffed by loan specialists.
• Geographic reach: operations in 48 states, plus the District of Columbia; licensing activities include Canada in the insurance context.
• Distribution channels: in-person branches, digital lending and servicing, central operations, and a network of franchise and independent auto dealerships.

Geography, channels, and delivery

• Multi-channel model combining physical branches with digital and phone-based servicing.
• Integrated operations across a national branch network, digital platform, and auto dealership partnerships to serve the nonprime market.

Insurance and related offerings

• AHL: life and health-related credit insurance products, including credit life and credit disability, as well as non-credit insurance.
• Triton: property and casualty credit-related protections, including credit involuntary unemployment, credit disability, and collateral protection.

Market position

• Focuses on serving nonprime consumers with access to credit across loans, auto finance, and cards, complemented by insurance and financial wellness offerings.
• Describes itself as positioned for growth through established capital markets access and a broad national footprint.