Business mix
- The company provides origination, underwriting, and servicing of consumer loans, consisting of personal loans and auto finance.
- It also offers secured auto financing; credit cards; optional credit insurance products, including life, disability, and involuntary unemployment insurance; optional non-credit insurance.
- The company provides personal loans through its branch network, central operations, digital affiliates, and its website.
- The company was formerly known as Springleaf Holdings, Inc. and changed its name to OneMain Holdings, Inc. in November 2015.
Current key questions
- Can asset growth, client flows, fee rates, credit quality, or spread income support durable earnings in credit services?
- How sensitive are margins and returns to interest rates, market levels, funding costs, and regulation?
- Do capital allocation, risk controls, and balance-sheet quality improve long-term per-share value?
