OneMain Holdings, Inc. (NYSE:OMF) Q4 2022 Earnings Conference Call February 7, 2023 9:00 AM ET

Company Participants

Peter Poillon - Head, Investor Relations

Doug Shulman - Chairman & Chief Executive Officer

Micah Conrad - Chief Financial Officer

Conference Call Participants

Moshe Orenbuch - Credit Suisse

Vincent Caintic - Stephens

Kevin Barker - Piper Sandler

Michael Kaye - Wells Fargo

Rick Shane - JPMorgan

John Hecht - Jefferies

David Scharf - JMP Securities

Operator

Welcome to OneMain Financial Fourth Quarter and Full Year 2022 Earnings Conference Call and Webcast. Hosting the call today from OneMain is Peter Poillon, Head of Investor Relations. Today's call is being recorded. At this time, all participants have been placed in a listen-only mode, and the floor will be open for your questions, following the presentation. [Operator Instructions]

It is now my pleasure to turn the floor over to Peter Poillon. You may begin.

Peter Poillon

Thank you, Gretchen. Good morning, everyone, and thank you for joining us. Let me begin by directing you to page 2 of the fourth quarter 2022 investor presentation, which contains important disclosures concerning forward-looking statements and the use of non-GAAP measures. The presentation can be found in the Investor Relations section of our website.

Our discussion today will contain certain forward-looking statements reflecting management's current beliefs about the company's future, financial performance and business prospects and these forward-looking statements are subject to inherent risks and uncertainties and speak only as of today.

Factors that could cause actual results to differ materially from these forward-looking statements are set forth in our earnings press release. We caution you not to place undue reliance on forward-looking statements. If you may be listening to this via replay at some point after today, we remind you that the remarks made herein are as of today February 7th and have not been updated subsequent to this call.

Our call this morning will include formal remarks from Doug Shulman, our Chairman and Chief Executive Officer; and Micah Conrad our Chief Financial Officer. After the conclusion of our formal remarks, we will conduct a question-and-answer session.

Let me turn the call over to Doug.

Doug Shulman

Thanks, Pete, and good morning everyone. Thank you for joining us today. I'd like to start today's call by providing a brief overview of some of our accomplishments in 2022. And then I'll cover our performance for the fourth quarter, the current credit and macroeconomic environment and discuss our key strategic initiatives.