OppFi Results Presentation Deck slide image

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% OppFi"
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