Financial insights of OMF

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest income	5,455
Interest expense	1,272
Net interest income	4,183
Provision for finance receivable losses	1,997
Net interest income after provision for finance receivable losses	2,186
Insurance	445
Investment	98
Gain on sales of finance receivables	64
Net gain (loss) on repurchases and repayments of debt	-67
Other	180
Total other revenues	720
Salaries and benefits	923
Other operating expenses	784
Insurance policy benefits and claims	198
Total other expenses	1,905
Income before income taxes	1,001
Income taxes	218
Net income	783

Basic EPS	6.59
Diluted EPS	6.56
Basic Average Shares	118,664,220
Diluted Average Shares	119,268,556

Unit: Million (M) dollars (except for numbers of shares and EPS).