OppFi Results Presentation Deck
OppFi GAAP Income Statements
(in thousands, except share and per share data)
Unaudited
Interest and loan related income
Other income
15
Total revenue
Provision for credit losses on finance receivables
Change in fair value of finance receivables
Net revenue
Expenses:
Sales and marketing
Customer operations
Technology, products, and analytics
General, administrative, and other
Total expenses before interest expense
Interest expense
Income from operations
Change in fair value of warrant liability
Income before income taxes
Provision for income taxes
Net income
Less: net loss attributable to noncontrolling interest
Net income attributable to OppFi Inc.
Earnings per share attributable to OppFi Inc. ¹:
Earnings per common share:
Basic
Diluted
Weighted average common shares outstanding:
Basic
Diluted
+A
A LA
Six Months Ended June 30,
2022
2021
208,209
376
208,585
(1,026)
(91,679)
115,880
31,394
20,881
16,523
27,515
96,313
15,326
4,241
5,701
9,942
742
9,200
4,666
4,534
0.33
0.10
13,553,308
84,377,754
162,133
500
162,633
(38)
(33,695)
128,900
19,480
19,485
12,340
24,231
75,536
10,993
42,371
42,371
42,371
1. For the periods prior to July 20, 2021, earnings per share was not calculated, as net income prior to the Business Combination was attributable entirely to OppFi-LLC.
Variance (%)
28.4%
(24.8%)
28.3%
2600.0%
172.1%
(10.1%)
61.2%
7.2%
33.9%
13.6%
27.5%
39.4%
(90.0%)
(76.5%)
(78.3%)
OppFi"View entire presentation