OneMain Holdings, Inc.

Overview

• OneMain is a consumer finance company focused on serving nonprime customers and providing responsible access to credit.
• The company originates, underwrites, and services consumer loans and auto finance, and offers credit cards and optional insurance products. It also provides a customer-focused financial wellness platform, Trim by OneMain.
• OMFC is the issuing entity for outstanding public debt securities; all OMFC common stock is owned by OMH. Information in this report applies to OMH and OMFC unless noted otherwise.
• Core growth pillars include a national branch network, digital lending and servicing capabilities, a central operations platform, and a network of auto dealerships. The company pursues strategic acquisitions, dispositions, and alliances.

Products and services

• Personal loans and point-of-purchase auto financing.
• Credit cards (BrightWay), issued through a third-party bank partner; the company purchases receivable balances from the partner.
• Optional products, including credit and non-credit insurance offerings.
• Financial wellness solutions via Trim by OneMain.
• Servicing of loans retained on the balance sheet and loans owned by third parties.
• Strategic activities, including acquisitions, dispositions, joint ventures, and other alliances.

Insurance subsidiaries

• American Health and Life Insurance Company (AHL): life and health insurance for credit life, credit disability, and non-credit insurance; licensed in 49 states, the District of Columbia, and Canada.
• Triton Insurance Company (Triton): property and casualty insurance for credit involuntary unemployment, credit disability, and collateral protection insurance; licensed in all 50 states, the District of Columbia, and Canada.

Customer, channel, and geographic footprint

• Branch network: more than 1,300 locations staffed by experienced loan specialists.
• Channels: in-person branches, digital lending and servicing, central operations, and a network of franchise and independent auto dealerships; customer service is provided in-person, digitally, and by phone.
• Geographic reach: consumer lending operations in 48 states.
• The company services both loans it retains and loans owned by third parties, expanding its market reach and servicing scale.

Key financial and portfolio metrics (as of December 31, 2025)

• Finance receivables: $24.8 billion, from approximately 3.6 million customer accounts.
• Managed receivables: $26.3 billion, from approximately 3.8 million customer accounts.

Additional context

• The business integrates origination, underwriting, and servicing across consumer loans, auto finance, and credit card franchises, supported by a substantial branch network and digital capabilities.
• The insurance subsidiaries provide credit-related protection products that complement the company’s offerings and support cross-sell opportunities.