OneMain Holdings delivered a solid Q3 2024 with revenue of $1.465 billion and GAAP net income of $157 million ($1.31 per diluted share). Management highlighted improving credit trends, continued growth in originations, and a diversified product mix (auto finance and credit cards) as key drivers of revenue and capital generation. The company reinforced its disciplined underwriting posture, tight pricing discipline, and a fortress balance sheet, supported by the August 750 million unsecured social bond and a robust funding program. As the front book continues to migrate toward newer vintages, OneMain expects continued earnings visibility and capital generation into 2025, aided by favorable macro trends if they persist. The company maintained its 2024 guidance and signaled that 2025 will benefit from further improvement in delinquency trends and front-book performance, while remaining mindful of macroeconomic risk and competitive dynamics in consumer finance.