OneMain Holdings, Inc. (OMF) Presents at Barclays 24th Annual Global Financial Services Conference Transcript

OneMain Holdings, Inc. ( OMF ) Barclays 24th Annual Global Financial Services Conference September 15, 2026 10:30 AM EDT Company Participants Jenny Osterhout - Executive VP & CFO Conference Call Participants Terry Ma - Barclays Bank PLC, Research Division Presentation Terry Ma Barclays Bank PLC, Research Division So let's jump right into it. Maybe just beginning with consumer. There's been renewed concerns around household budgets just given higher gas prices and some signs of inflation pressure. How would you characterize the health of the nonprime consumer today? Jenny Osterhout Executive VP & CFO It's interesting. You can read the papers, you can look at all the stats out there. But frankly, when we look at our customer base, it doesn't match up with what we're seeing. Let me just talk a little bit about who our customers are. So we don't use FICO to underwrite, but our average customer has about a 630 FICO, just to give you a sense. They have been at their jobs for -- about half of them have been at their jobs for over 5 years. Really, you're seeing 40% homeowners. So a really good -- we call them hard-working Americans, $80,000 a year in annual income. So sort of your average American. And when we look at payment behaviors, we're seeing really good payment behaviors where you can then look at sentiment and you can spend time in the branches and you can feel that folks are trying to make things work. But I think what you're seeing right now is that they're able to sort of move things around and make their family budgets work.