OppFi Results Presentation Deck
Continued Strong Profitability in 2021
Adjusted EBITDA slightly declined year over year to $31.8 million and Adjusted Net Income declined to $17.1 million. Adjusted Net Income was
down quarter over quarter due to marketing spend increases to support higher originations and future growth as well as higher interest expense
as debt levels normalized.
Adj. EBITDA¹
($ Millions)
Margin
Adj. Net Income¹
($ Millions)
Margin
Q3 2019
29.3
40%
16.8
23%
+8%
+2%
Q3 2020
32.4
44%
19.5
27%
-2%
-12%
Q2 2021
32.3
41%
17.8
23%
-2%
-4%
1. Adj. EBITDA and Adj. Net Income are not financial measures determined in accordance with GAAP. For reconciliation to our most directly comparable financial measures calculated and
presented in accordance with GAAP, please see the Appendix included within this presentation
Q3 2021
31.8
35%
17.1
19%
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