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Exhibit 12.1
SPRINGLEAF FINANCE CORPORATION AND SUBSIDIARIES
Computation of Ratio of Earnings to Fixed Charges
(dollars in millions) | ||||||||||||||||||||
Years Ended December 31, | 2016 | 2015 | 2014 | 2013 | 2012 | |||||||||||||||
Earnings: | ||||||||||||||||||||
Income (loss) before provision for (benefit from) income taxes | $ | 346 | $ | 159 | $ | 678 | $ | (125 | ) | $ | (301 | ) | ||||||||
Interest expense | 556 | 667 | 683 | 843 | 1,068 | |||||||||||||||
Implicit interest in rents | 10 | 9 | 10 | 9 | 12 | |||||||||||||||
Total earnings | $ | 912 | $ | 835 | $ | 1,371 | $ | 727 | $ | 779 | ||||||||||
Fixed charges: | ||||||||||||||||||||
Interest expense | $ | 556 | $ | 667 | $ | 683 | $ | 843 | $ | 1,068 | ||||||||||
Implicit interest in rents | 10 | 9 | 10 | 9 | 12 | |||||||||||||||
Total fixed charges | $ | 566 | $ | 676 | $ | 693 | $ | 852 | $ | 1,080 | ||||||||||
Ratio of earnings to fixed charges | 1.61 | 1.24 | 1.98 | * | * |
* | Earnings did not cover total fixed charges by $125 million in 2013 and $301 million in 2012. |
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