BUFF CITY SOAP EXPANDS INTO THE KITCHEN WITH NEW DISH SOAP & MULTI-SURFACE CLEANER
ADDISON, Texas, July 15th, 2025 /PRNewswire/ — Buff City Soap is continuing its home takeover with the launch of two powerful new plant-based products: Dish Soap and Multi-Surface Cleaner.
Known for clean, effective, and delightfully scented personal care products, Buff is now bringing the same plant-based cleaning power to one of the hardest-working rooms in the home — the kitchen.
DITCH THE DIRTY
Buff's new home care lineup is formulated to power through grease and residue with a satisfying clean you can feel good about. Made without sulfates, parabens, or dyes, both products are tough on mess and kind to your home.
Unlike mass-market cleaners, Buff's Dish Soap and Multi-Surface Cleaner combine serious plant-based cleaning performance with an elevated scent experience — transforming your kitchen cleaning routine into a scent-filled moment of joy.
KEY BENEFITS:
Dish Soap:
Rinses Clean
Long-lasting Foam
Powers Through Grease & Residue
Plant-Based
Sulfate, Paraben, & Dye Free
Multi-Surface Cleaner:
Lifts Away Dirt
Freshens Surfaces
Powers Through Grease & Residue
Plant-Based
Sulfate, Paraben, & Dye Free
BUFF BY YOU: A CUSTOM SCENT MAKING EXPERIENCE
Ditch the dirty and boring, chemical-smelling cleaners. Customize these new kitchen essentials in any Buff City Soap scent or blend any two scents together to create something unique. From fresh and fruity to warm and woodsy, your daily cleaning routine can now smell unique to you and your kitchen.
BUFF IN EVERY ROOM
This launch marks the next step in Buff City Soap's mission to bring plant-based, better-for-you products to every room in the home. From the shower to the sink, Buff makes cleaning personal, powerful, and just a little more fun.
Available in-store and online at buffcitysoap.com
For media inquiries, samples, or interviews, please contact:
Kindra RigoulotDirector of MediaKindra.rigoulot@buffcitysoap.com
About Buff City SoapFrustrated by commercial soaps' harsh chemicals, detergents, and animal fats, we set out to create a better way! Buff City Soap — delightfully scented plant based soaps, handmade daily, in each of our local Soap Makeries.
We're on a mission to create products that are free of harsh chemicals and full of nourishing plant-based goodness. We take tremendous pride in handcrafting each and every bar of soap in our Soap Makery. Each one is truly unique. 1 of 1. Just like you! Our Soap Makers are whipping up delightfully scented creations to share with you no matter how you choose to shop: online or in our Soap Makeries.
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(Nasdaq: FCNCA), a top 20 U.S. financial institution with more than $200 billion in assets and a member of the Fortune 500TM, is the financial holding company for First-Citizens Bank & Trust Company ('First Citizens Bank'). Headquartered in Raleigh, N.C., First Citizens Bank has built a unique legacy of strength, stability and long-term thinking that has spanned generations. First Citizens offers an array of general banking services including a network of branches and offices nationwide; commercial banking expertise delivering best-in-class lending, leasing and other financial services coast to coast; innovation banking serving businesses at every stage; personalized service and resources to help grow and manage wealth; and a nationwide direct bank. Discover more at FORWARD-LOOKING STATEMENTS This communication contains 'forward-looking statements' within the meaning of the Private Securities Litigation Reform Act of 1995 regarding the financial condition, results of operations, business plans, asset quality, future performance, and other strategic goals of BancShares. Words such as 'anticipates,' 'believes,' 'estimates,' 'expects,' 'predicts,' 'forecasts,' 'intends,' 'plans,' 'projects,' 'targets,' 'designed,' 'could,' 'may,' 'should,' 'will,' 'potential,' 'continue,' 'aims' or other similar words and expressions are intended to identify these forward-looking statements. These forward-looking statements are based on BancShares' current expectations and assumptions regarding BancShares' business, the economy, and other future conditions. Because forward-looking statements relate to future results and occurrences, they are subject to inherent risks, uncertainties, changes in circumstances and other factors that are difficult to predict. Many possible events or factors could affect BancShares' future financial results and performance and could cause actual results, performance or achievements of BancShares to differ materially from any anticipated results expressed or implied by such forward-looking statements. Such risks and uncertainties include, among others, general competitive, economic (including the imposition of tariffs or trade barriers on trading partners), political (including the makeup of the U.S. Congress and Trump administration), geopolitical events (including conflicts in Ukraine and the Middle East), natural disasters and market conditions, including changes in competitive pressures among financial institutions and the impacts related to or resulting from previous bank failures, the risks and impacts of future bank failures and other volatility in the banking industry, public perceptions of our business practices, including our deposit pricing and acquisition activity, the financial success or changing conditions or strategies of BancShares' vendors or customers, including changes in demand for deposits, loans and other financial services, fluctuations in interest rates, changes in the quality or composition of BancShares' loan or investment portfolio, actions of government regulators, including interest rate decisions by the Board of Governors of the Federal Reserve Board (the 'Federal Reserve'), changes to estimates of future costs and benefits of actions taken by BancShares, BancShares' ability to maintain adequate sources of funding and liquidity, the potential impact of decisions by the Federal Reserve on BancShares' capital plans, adverse developments with respect to U.S. or global economic conditions, including significant turbulence in the capital or financial markets, the impact of any sustained or elevated inflationary environment, the impact of any cyberattack, information or security breach, the impact of implementation and compliance with current or proposed laws (including the 2025 U.S. budget reconciliation legislation), regulations and regulatory interpretations, including potential increased regulatory requirements, limitations, and costs, such as FDIC special assessments, increases to FDIC deposit insurance premiums and the proposed interagency rule on regulatory capital, along with the risk that such laws, regulations and regulatory interpretations may change, the availability of capital and personnel, and the risks associated with BancShares' previous acquisition transactions, including the acquisition of certain assets and liabilities of Silicon Valley Bridge Bank, N.A. and the previously completed merger with CIT Group Inc., or any future transactions. BancShares' 2024 SRP allows BancShares to repurchase shares of its Class A common stock through 2025. After completion of maximum repurchases under the 2024 SRP, BancShares' 2025 SRP allows BancShares to repurchase shares of its Class A common stock through 2026. BancShares is not obligated under the 2024 SRP or the 2025 SRP to repurchase any minimum or particular number of shares, and repurchases may be suspended or discontinued at any time (subject to the terms of any Rule 10b5-1 plan in effect) without prior notice. The authorizations to repurchase Class A common stock will be utilized at management's discretion. The actual timing and amount of Class A common stock that may be repurchased under the 2024 SRP or the 2025 SRP will depend on a number of factors, including the terms of any Rule 10b5-1 plan then in effect, price, general business and market conditions, regulatory requirements, and alternative investment opportunities or capital needs. Except to the extent required by applicable laws or regulations, BancShares disclaims any obligation to update forward-looking statements or to publicly announce the results of any revisions to any of the forward-looking statements included herein to reflect future events or developments. Additional factors which could affect the forward-looking statements can be found in BancShares' Annual Report on Form 10-K for the fiscal year ended December 31, 2024 and its other filings with the SEC. NON-GAAP MEASURES Certain measures in this release, including those referenced as 'adjusted' or 'excluding PAA,' are 'non-GAAP,' meaning they are numerical measures of BancShares' financial performance, financial position or cash flows that are not presented in accordance with generally accepted accounting principles in the U.S. ('GAAP') because they exclude or include amounts or are adjusted in some way so as to be different than the most direct comparable measures calculated and presented in accordance with GAAP in BancShares' statements of income, balance sheets or statements of cash flows and also are not codified in U.S. banking regulations currently applicable to BancShares. BancShares management believes that non-GAAP financial measures, when reviewed in conjunction with GAAP financial information, can provide transparency about or an alternative means of assessing its operating results, financial position or cash flows to its investors, analysts and management. These non-GAAP measures should be considered in addition to, and not superior to or a substitute for, GAAP measures. Each non-GAAP measure is reconciled to the most comparable GAAP measure in the non-GAAP reconciliation. This information can be found in the Financial Supplement located in the Quarterly Results section of our website at Contact: Deanna Hart Angela English Investor Relations Corporate Communications 919-716-2137 803-931-1854
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C&I Select Delinquency and Loss Ratios June 30, 2025 March 31, 2025 June 30, 2024 Consumer loans: 30+ days delinquency ratio 5.17 % 5.16 % 5.45 % 90+ days delinquency ratio 2.12 % 2.38 % 2.33 % 30-89 days delinquency ratio 3.05 % 2.77 % 3.13 % Net charge-offs 7.19 % 7.83 % 8.29 % Operating expense for the second quarter of 2025 was $415 million, up 11% from $374 million in the prior year quarter reflecting receivable growth and our strategic investments in the business. Funding and Liquidity As of June 30, 2025, the Company had principal debt balances outstanding of $22.4 billion, 57% of which was secured. The Company had $769 million of cash and cash equivalents, which included $185 million of cash and cash equivalents held at regulated insurance subsidiaries or for other operating activities that are unavailable for general corporate purposes. Cash and cash equivalents, together with the Company's $1.1 billion of undrawn committed capacity from an unsecured corporate revolver, $6.4 billion of undrawn committed capacity under revolving conduit facilities and credit card variable funding note facilities, and $9.7 billion of unencumbered receivables, provides significant liquidity resources. Conference Call & Webcast Information OneMain management will host a conference call and webcast to discuss the Company's results, outlook, and related matters at 9:00 am Eastern Time on Friday, July 25, 2025. Both the call and webcast are open to the general public. The general public is invited to listen to the call by dialing 800-579-2568 (U.S. domestic) or 785-424-1222 (international), and using conference ID 67083, or via a live audio webcast through OneMain's investor relations website at For those unable to listen to the live broadcast, a replay will be available on the website after the event. An investor presentation will be available on the OneMain's investor relations website prior to the start of the conference call. About OneMain Holdings, Inc. OneMain Financial (NYSE: OMF) is the leader in offering nonprime consumers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. We empower our customers to solve today's problems and reach a better financial future through personalized solutions across 47 states, available online and in 1,300 locations. OneMain is committed to making a positive impact on the people and the communities we serve. 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Consumer and Insurance adjusted pretax income (loss) represents income (loss) before income taxes on a Segment Accounting Basis and excludes net loss resulting from repurchases and repayments of debt, restructuring charges, acquisition-related transaction and integration expenses, regulatory settlements, and strategic activities and other items. We believe these non-GAAP financial measures are useful in assessing the profitability of our segment. We also use pretax capital generation and capital generation, non-GAAP financial measures, as a key performance measure of our segment. Pretax capital generation represents Consumer and Insurance adjusted pretax income, as discussed above, and excludes the change in our Consumer and Insurance allowance for finance receivable losses in the period while still considering the Consumer and Insurance net charge-offs incurred during the period. Capital generation represents the after-tax effect of pretax capital generation. We believe that these non-GAAP measures are useful in assessing the capital created in the period impacting the overall capital adequacy of the Company. We believe that the Company's reserves, combined with its equity, represent the Company's loss absorption capacity. We utilize these non-GAAP measures in evaluating our performance. Additionally, these non-GAAP measures are consistent with the performance goals established in OMH's executive compensation program. These non-GAAP financial measures should be considered supplemental to, but not as a substitute for or superior to, income (loss) before income taxes, net income, or other measures of financial performance prepared in accordance with GAAP. This document contains summarized information concerning the Company and its business, operations, financial performance and trends. No representation is made that the information in this document is complete. For additional financial, statistical and business related information see the Company's most recent Annual Report on Form 10-K and Quarterly Report on Form 10-Q filed with the U.S. Securities and Exchange Commission (the 'SEC'), as well as the Company's other reports filed with the SEC from time to time, which are or will be available in the Investor Relations section of the OneMain Financial website ( and the SEC's website ( Cautionary Note Regarding Forward-Looking StatementsThis document contains 'forward-looking statements' within the meaning of the Private Securities Litigation Reform Act of 1995. Statements preceded by, followed by or that otherwise include the words 'anticipates,' 'appears,' 'assumes,' 'believes,' 'can,' 'continues,' 'could,' 'estimates,' 'expects,' 'forecasts,' 'foresees,' 'goal,' 'intends,' 'likely,' 'objective,' 'plans,' 'projects,' 'target,' 'trend,' 'remains,' and similar expressions or future or conditional verbs such as 'could,' 'may,' 'might,' 'should,' 'will' or 'would' are intended to identify forward-looking statements, but these words are not the exclusive means of identifying forward-looking statements. Forward-looking statements are not statements of historical fact but instead represent only management's current beliefs regarding future events, objectives, goals, projections, strategies, performance, and future plans, and underlying assumptions and other statements related thereto. You should not place undue reliance on these forward-looking statements. By their nature, forward-looking statements are subject to risks, uncertainties, assumptions and other important factors that may cause actual results, performance or achievements to differ materially from those expressed in or implied by such forward-looking statements. Important factors that could cause actual results, performance, or achievements to differ materially from those expressed in or implied by forward-looking statements include, without limitation, the following: adverse changes and volatility in general economic conditions, including the interest rate environment and the financial markets; the sufficiency of our allowance for finance receivable losses; increased levels of unemployment and personal bankruptcies; the current inflationary environment and related trends affecting our customers; natural or accidental events such as earthquakes, hurricanes, pandemics, floods or wildfires affecting our customers, collateral, or our facilities; a failure in or breach of our information, operational or security systems or infrastructure or those of third parties, including as a result of cyber incidents, war or other disruptions; the adequacy of our credit risk scoring models; geopolitical risks, including recent geopolitical actions outside the U.S.; adverse changes in our ability to attract and retain employees or key executives; increased competition or adverse changes in customer responsiveness to our distribution channels or products; changes in federal, state, or local laws, regulations, or regulatory policies and practices or increased regulatory scrutiny of our business or industry; risks associated with our insurance operations; the costs and effects of any actual or alleged violations of any federal, state, or local laws, rules or regulations; the costs and effects of any fines, penalties, judgments, decrees, orders, inquiries, investigations, subpoenas, or enforcement or other proceedings of any governmental or quasi-governmental agency or authority; our substantial indebtedness and our continued ability to access the capital markets and maintain adequate current sources of funds to satisfy our cash flow requirements; our ability to comply with all of our covenants; the effects of any downgrade of our debt ratings by credit rating agencies; and other risks and uncertainties described in the 'Risk Factors' and 'Management's Discussion and Analysis' sections of the Company's most recent Form 10-K filed with the SEC and in the Company's other filings with the SEC from time to time. If one or more of these or other risks or uncertainties materialize, or if our underlying assumptions prove to be incorrect, our actual results may vary materially from what we may have expressed or implied by these forward-looking statements. You should specifically consider the factors identified in this document that could cause actual results to differ before making an investment decision to purchase our securities. Furthermore, new risks and uncertainties arise from time to time, and it is impossible for us to predict those events or how they may affect us. Forward looking statements included in this document speak only as of the date on which they were made. We undertake no obligation to update or revise any forward-looking statements, whether written or oral, to reflect events or circumstances after the date of this document or to reflect the occurrence of unanticipated events or the non-occurrence of anticipated events, whether as a result of new information, future developments or otherwise, except as required by law. OneMain Holdings, Inc. CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) Quarter Ended Fiscal Year (unaudited, $ in millions, except per share amounts) Jun 30,2025 Mar 31,2025 Dec 31,2024 Sep 30,2024 Jun 30,2024 2024 2023 Interest income $ 1,339 $ 1,308 $ 1,320 $ 1,282 $ 1,219 $ 4,993 $ 4,564 Interest expense (317) (312) (311) (301) (297) (1,185) (1,019) Net interest income 1,022 996 1,009 981 922 3,808 3,545 Provision for finance receivable losses (511) (456) (523) (512) (575) (2,040) (1,721) Net interest income after provision for finance receivable losses 511 540 486 469 347 1,768 1,824 Insurance 111 110 111 111 111 445 448 Investment 24 26 21 24 30 108 116 Gain on sales of finance receivables 17 16 5 6 6 23 52 Net loss on repurchases and repayments of debt (21) (5) (19) (1) (12) (34) — Other 45 41 42 42 39 153 119 Total other revenues 176 188 160 182 174 695 735 Operating expenses (419) (404) (433) (401) (382) (1,607) (1,530) Insurance policy benefits and claims (54) (49) (49) (43) (47) (189) (189) Total other expenses (473) (453) (482) (444) (429) (1,796) (1,719) Income before income taxes 214 275 164 207 92 667 840 Income taxes (47) (62) (38) (50) (21) (158) (199) Net income $ 167 $ 213 $ 126 $ 157 $ 71 $ 509 $ 641 Weighted average number of diluted shares 119.4 120.0 119.9 120.1 120.2 120.1 120.6 Diluted EPS $ 1.40 $ 1.78 $ 1.05 $ 1.31 $ 0.59 $ 4.24 $ 5.32 Book value per basic share $ 27.99 $ 27.50 $ 26.74 $ 26.87 $ 26.33 $ 26.74 $ 26.60 Return on assets 2.5 % 3.3 % 1.9 % 2.5 % 1.1 % 2.0 % 2.7 % Change in allowance for finance receivable losses $ (66) $ 17 $ (60) $ (81) $ (79) $ (194) $ (185) Net charge-offs (445) (473) (463) (431) (496) (1,846) (1,536) Provision for finance receivable losses $ (511) $ (456) $ (523) $ (512) $ (575) $ (2,040) $ (1,721) Note: Quarters may not sum to fiscal year due to rounding. OneMain Holdings, Inc. CONSOLIDATED BALANCE SHEETS (UNAUDITED) As of (unaudited, $ in millions) Jun 30,2025 Mar 31,2025 Dec 31,2024 Sep 30,2024 Jun 30,2024 Assets Cash and cash equivalents $ 769 $ 627 $ 458 $ 577 $ 667 Investment securities 1,683 1,670 1,607 1,581 1,681 Net finance receivables 23,870 23,328 23,554 23,075 22,365 Unearned insurance premium and claim reserves (764) (747) (766) (765) (753) Allowance for finance receivable losses (2,754) (2,688) (2,705) (2,645) (2,564) Net finance receivables, less unearned insurance premium and claim reserves and allowance for finance receivable losses 20,352 19,893 20,083 19,665 19,048 Restricted cash and restricted cash equivalents 742 736 684 693 630 Goodwill 1,474 1,474 1,474 1,474 1,474 Other intangible assets 285 285 286 288 289 Other assets 1,323 1,344 1,318 1,300 1,296 Total assets $ 26,628 $ 26,029 $ 25,910 $ 25,578 $ 25,085 Liabilities and Shareholders' Equity Long-term debt $ 22,053 $ 21,494 $ 21,438 $ 21,137 $ 20,671 Insurance claims and policyholder liabilities 579 567 575 597 594 Deferred and accrued taxes 18 19 20 29 10 Other liabilities 652 669 686 607 657 Total liabilities 23,302 22,749 22,719 22,370 21,932 Common stock 1 1 1 1 1 Additional paid-in capital 1,745 1,734 1,734 1,728 1,723 Accumulated other comprehensive loss (51) (65) (81) (59) (95) Retained earnings 2,425 2,384 2,296 2,295 2,263 Treasury stock (794) (774) (759) (757) (739) Total shareholders' equity 3,326 3,280 3,191 3,208 3,153 Total liabilities and shareholders' equity $ 26,628 $ 26,029 $ 25,910 $ 25,578 $ 25,085 OneMain Holdings, Inc. CONSOLIDATED KEY FINANCIAL METRICS (UNAUDITED) As of (unaudited, $ in millions) Jun 30,2025 Mar 31,2025 Dec 31,2024 Sep 30,2024 Jun 30,2024 Liquidity Cash and cash equivalents $ 769 $ 627 $ 458 $ 577 $ 667 Cash and cash equivalents unavailable for general corporate purposes 185 139 123 266 211 Unencumbered receivables 9,709 10,163 9,738 9,017 8,060 Undrawn conduit facilities 5,999 5,999 5,999 6,749 6,399 Undrawn corporate revolver 1,125 1,125 1,125 1,125 1,325 Private secured term funding available — 725 — — — Undrawn credit card revolving variable funding note facilities 400 400 300 300 300 Drawn conduit facilities 1 1 1 176 1 Net adjusted debt $ 21,297 $ 20,833 $ 20,931 $ 20,653 $ 20,043 Total Shareholders' equity $ 3,326 $ 3,280 $ 3,191 $ 3,208 $ 3,153 Accumulated other comprehensive loss 51 65 81 59 95 Goodwill (1,474) (1,474) (1,474) (1,474) (1,474) Other intangible assets (285) (285) (286) (288) (289) Junior subordinated debt 172 172 172 172 172 Adjusted tangible common equity 1,790 1,758 1,684 1,677 1,657 Allowance for finance receivable losses, net of tax * 2,065 2,016 2,029 1,984 1,923 Adjusted capital $ 3,855 $ 3,774 $ 3,713 $ 3,661 $ 3,580 Net leverage (net adjusted debt to adjusted capital) 5.5x 5.5x 5.6x 5.6x 5.6x * Income taxes assume a 25% tax rate. OneMain Holdings, Inc. RECONCILIATION OF NON-GAAP FINANCIAL MEASURES (UNAUDITED) Quarter Ended Fiscal Year (unaudited, $ in millions) Jun 30,2025 Mar 31,2025 Dec 31,2024 Sep 30,2024 Jun 30,2024 2024 2023 Consumer & Insurance $ 211 $ 270 $ 159 $ 200 $ 145 $ 707 $ 845 Other (1) 1 (1) — — (1) (6) Segment to GAAP adjustment 4 4 6 7 (53) (39) 1 Income before income taxes – GAAP basis $ 214 $ 275 $ 164 $ 207 $ 92 $ 667 $ 840 Consumer & Insurance pretax income $ 211 $ 270 $ 159 $ 200 $ 145 $ 707 $ 845 Net loss on repurchases and repayments of debt 20 5 19 — 12 33 — Restructuring charges — — 1 1 — 29 — Acquisition-related transaction and integration expenses — — 5 1 2 9 — Regulatory settlements — — — — — — 26 Other (1) — — 1 — 4 4 3 Consumer & Insurance adjusted pretax income (non-GAAP) $ 231 $ 275 $ 185 $ 202 $ 163 $ 782 $ 874 Reconciling items (2) $ (16) $ (1) $ (20) $ 5 $ (71) $ (114) $ (28) Consumer & Insurance $ 23,901 $ 23,365 $ 23,598 $ 23,128 $ 22,428 $ 23,598 $ 21,349 Segment to GAAP adjustment (31) (37) (44) (53) (63) (44) — Net finance receivables – GAAP basis $ 23,870 $ 23,328 $ 23,554 $ 23,075 $ 22,365 $ 23,554 $ 21,349 Consumer & Insurance $ 2,758 $ 2,693 $ 2,710 $ 2,651 $ 2,571 $ 2,710 $ 2,480 Segment to GAAP adjustment (4) (5) (5) (6) (7) (5) — Allowance for finance receivable losses – GAAP basis $ 2,754 $ 2,688 $ 2,705 $ 2,645 $ 2,564 $ 2,705 $ 2,480 Note: Quarters may not sum to fiscal year due to rounding. (1) Includes strategic activities and other items. (2) Reconciling items consist of Segment to GAAP adjustment and the adjustments to Pretax income – segment accounting basis for C&I and Other. The adjustments to Other adjusted pretax income (loss) are not disclosed in the table above due to immateriality. OneMain Holdings, Inc. CONSUMER & INSURANCE SEGMENT (UNAUDITED) (Non-GAAP) Quarter Ended Fiscal Year (unaudited, in millions, except per share amounts) Jun 30,2025 Mar 31,2025 Dec 31,2024 Sep 30,2024 Jun 30,2024 2024 2023 Interest income $ 1,333 $ 1,301 $ 1,312 $ 1,271 $ 1,210 $ 4,965 $ 4,559 Interest expense (317) (311) (310) (299) (295) (1,181) (1,015) Net interest income 1,016 990 1,002 972 915 3,784 3,544 Provision for finance receivable losses (511) (456) (523) (512) (515) (1,981) (1,721) Net interest income after provision for finance receivable losses 505 534 479 460 400 1,803 1,823 Insurance 111 110 111 111 111 445 448 Investment 24 26 21 24 30 108 116 Gain on sales of finance receivables 17 16 5 6 6 23 52 Other 43 39 40 40 37 146 111 Total other revenues 195 191 177 181 184 722 727 Operating expenses (415) (401) (422) (396) (374) (1,554) (1,487) Insurance policy benefits and claims (54) (49) (49) (43) (47) (189) (189) Total other expenses (469) (450) (471) (439) (421) (1,743) (1,676) Adjusted pretax income (non-GAAP) 231 275 185 202 163 782 874 Income taxes * (58) (68) (46) (51) (41) (195) (219) Adjusted net income (non-GAAP) $ 173 $ 207 $ 139 $ 151 $ 122 $ 587 $ 655 Weighted average number of diluted shares 119.4 120.0 119.9 120.1 120.2 120.1 120.6 C&I adjusted diluted EPS $ 1.45 $ 1.72 $ 1.16 $ 1.26 $ 1.02 $ 4.89 $ 5.43 Note: Quarters may not sum to fiscal year due to rounding. * Income taxes assume a 25% tax rate. OneMain Holdings, Inc. CONSUMER & INSURANCE SEGMENT METRICS (UNAUDITED) Quarter Ended Fiscal Year (unaudited, $ in millions) Jun 30,2025 Mar 31,2025 Dec 31,2024 Sep 30,2024 Jun 30,2024 2024 2023 Net finance receivables – personal loans $ 20,814 $ 20,469 $ 20,833 $ 20,569 $ 20,073 $ 20,833 $ 20,274 Net finance receivables – auto finance 2,335 2,220 2,122 2,009 1,889 2,122 745 Net finance receivables – consumer loans 23,149 22,689 22,955 22,578 21,962 22,955 21,019 Net finance receivables – credit cards 752 676 643 550 466 643 330 Net finance receivables $ 23,901 $ 23,365 $ 23,598 $ 23,128 $ 22,428 $ 23,598 $ 21,349 Allowance for finance receivable losses $ 2,758 $ 2,693 $ 2,710 $ 2,651 $ 2,571 $ 2,710 $ 2,480 Allowance ratio 11.54 % 11.52 % 11.48 % 11.46 % 11.46 % 11.48 % 11.62 % Net finance receivables 23,901 23,365 23,598 23,128 22,428 23,598 21,349 Finance receivables serviced for our whole loan sale partners 1,316 1,232 1,141 1,191 1,229 1,141 882 Managed receivables $ 25,217 $ 24,597 $ 24,739 $ 24,319 $ 23,657 $ 24,739 $ 22,231 Average net finance receivables – personal loans $ 20,637 $ 20,660 $ 20,751 $ 20,396 $ 19,937 $ 20,301 $ 19,788 Average net finance receivables – auto finance 2,278 2,166 2,072 1,949 1,843 1,662 559 Average net finance receivables – consumer loans 22,915 22,826 22,823 22,345 21,780 21,963 20,347 Average net finance receivables – credit cards 719 668 599 515 430 477 181 Average net receivables 23,634 23,494 23,422 22,860 22,210 22,440 20,528 Average receivables serviced for our whole loan sale partners 1,285 1,196 1,174 1,218 1,195 1,113 852 Average managed receivables $ 24,919 $ 24,690 $ 24,596 $ 24,078 $ 23,405 $ 23,553 $ 21,380 OneMain Holdings, Inc. CONSUMER & INSURANCE KEY METRICS (UNAUDITED) (Non-GAAP) Quarter Ended Fiscal Year (unaudited, in millions) Jun 30,2025 Mar 31,2025 Dec 31,2024 Sep 30,2024 Jun 30,2024 2024 2023 Adjusted pretax income (non-GAAP) $ 231 $ 275 $ 185 $ 202 $ 163 $ 782 $ 874 Provision for finance receivable losses 511 456 523 512 515 1,981 1,721 Net charge-offs (446) (473) (464) (432) (496) (1,849) (1,536) Change in C&I allowance for finance receivable losses (non-GAAP) 65 (17) 59 80 19 132 185 Pretax capital generation (non-GAAP) 296 258 244 282 182 914 1,059 Capital generation, net of tax* (non-GAAP) $ 222 $ 194 $ 183 $ 211 $ 136 $ 685 $ 794 C&I average net receivables $ 23,634 $ 23,494 $ 23,422 $ 22,860 $ 22,210 $ 22,440 $ 20,528 Capital generation return on receivables (non-GAAP) 3.8 % 3.3 % 3.1 % 3.7 % 2.9 % 3.1 % 3.9 % Note: Consumer & Insurance financial information is presented on an adjusted Segment Accounting Basis. Amounts may not sum to fiscal year due to rounding. * Income taxes assume a 25% rate. OneMain Holdings, Inc. CONSUMER & INSURANCE CONSUMER LOANS METRICS (UNAUDITED) Quarter Ended Fiscal Year (unaudited, $ in millions) Jun 30,2025 Mar 31,2025 Dec 31,2024 Sep 30,2024 Jun 30,2024 2024 2023 Gross charge-offs $ 496 $ 525 $ 514 $ 490 $ 553 $ 2,080 $ 1,768 Recoveries (85) (85) (76) (78) (75) (307) (258) Net charge-offs $ 411 $ 440 $ 438 $ 412 $ 478 $ 1,773 $ 1,510 Gross charge-off ratio 8.68 % 9.34 % 8.96 % 8.72 % 9.68 % 9.34 % 8.69 % Recovery ratio (1.49 %) (1.52 %) (1.33 %) (1.39 %) (1.39 %) (1.39 %) (1.27 %) Net charge-off ratio 7.19 % 7.83 % 7.63 % 7.33 % 8.29 % 7.94 % 7.42 % Average net receivables $ 22,915 $ 22,826 $ 22,823 $ 22,345 $ 21,780 $ 21,963 $ 20,346 Yield 22.6 % 22.4 % 22.2 % 22.1 % 21.9 % 22.1 % 22.2 % Origination volume $ 3,907 $ 3,022 $ 3,504 $ 3,712 $ 3,582 $ 13,321 $ 12,851 30+ delinquency $ 1,197 $ 1,170 $ 1,322 $ 1,272 $ 1,198 $ 1,322 $ 1,294 90+ delinquency $ 491 $ 540 $ 579 $ 562 $ 511 $ 579 $ 605 30-89 delinquency $ 706 $ 630 $ 743 $ 710 $ 687 $ 743 $ 689 30+ delinquency ratio 5.17 % 5.16 % 5.76 % 5.63 % 5.45 % 5.76 % 6.16 % 90+ delinquency ratio 2.12 % 2.38 % 2.52 % 2.49 % 2.33 % 2.52 % 2.88 % 30-89 delinquency ratio 3.05 % 2.77 % 3.24 % 3.14 % 3.13 % 3.24 % 3.28 % Note: Consumer & Insurance financial information is presented on a Segment Accounting Basis. Delinquency ratios are calculated as a percentage of C&I consumer loan net finance receivables. Amounts may not sum due to rounding. Defined Terms Adjusted capital: adjusted tangible common equity + allowance for finance receivable losses (ALLL), net of tax Adjusted tangible common equity (TCE): total shareholders' equity – accumulated other comprehensive loss – goodwill – other intangible assets + junior subordinated debt Auto finance: financing at the point of purchase through a network of auto dealerships Available cash and cash equivalents: cash and cash equivalents – cash and cash equivalents held at our regulated insurance subsidiaries or is unavailable for general corporate purposes Average assets: average of monthly average assets (assets at the beginning and end of each month divided by two) in the period Average managed receivables: C&I average net receivables + average receivables serviced for our whole loan sale partners C&I adjusted diluted EPS: C&I adjusted net income (non-GAAP) / weighted average diluted shares Capital generation: C&I adjusted net income – change in C&I allowance for finance receivable losses, net of tax Capital generation return on receivables*: annualized capital generation / C&I average net receivables Consumer loans: personal loans and auto finance Finance receivables serviced for our whole loan sale partners: unpaid principal balance plus accrued interest of loans sold as part of our whole loan sale program Gross charge-off ratio*: annualized gross charge-offs / average net receivables Managed receivables: C&I net finance receivables + finance receivables serviced for our whole loan sale partners + auto finance loans originated by third parties Net adjusted debt: long-term debt – junior subordinated debt – available cash and cash equivalents Net charge-off ratio*: annualized net charge-offs / average net receivables Net leverage: net adjusted debt / adjusted capital Opex ratio: annualized C&I operating expenses / average managed receivables Origination volume: loans originated during the period, including those originated and sold to our whole loan sale partners that we continue to service Other net revenue: other revenues – insurance policy benefits and claims expense Personal loans: loans secured by titled collateral or unsecured and offered through our branch network, central operations, or digital platform Pretax capital generation: C&I pretax adjusted net income – change in C&I allowance for finance receivable losses Purchase volume: credit card purchase transactions + cash advances – returns Return on assets (ROA): annualized net income / average total assets Return on receivables (C&I ROR): annualized C&I adjusted net income / C&I average net receivables Total revenue: C&I interest income + C&I total other revenue Unencumbered receivables: unencumbered unpaid principal balance of consumer loans and credit cards. For precompute personal loans, unpaid principal balance is the gross contractual payments less the unaccreted balance of unearned finance charges. Credit card receivables include those in the trust that exceed the minimum for securing advances under credit card variable funding note facilities, which the Company can remove from the trust under the terms of such facilities, and exclude billed interest, fees, and closed accounts with balances * 2Q24 and fiscal year 2024 adjusted for policy alignment associated with the Foursight acquisition. OneMain Holdings, Inc. Investor Contact:Peter R. Poillon, Media Contact:Kelly Ogburn,
