Full Year 2022 Outlook and Key Company Highlights slide image

Full Year 2022 Outlook and Key Company Highlights

Adjusted EBITDA and Adjusted Net Income Reconciliation Table ($ in millions) 2017 2018 2019 2020 2021 Net Income $3 $10 $33 $78 $90 FV adjustments 10 26 35 (8) Debt Issuance Cost 1 1 2 2 2 Other Addback and One-Time Expenses¹ 1 1 1 2 (8) Adjusted EBT 15 37 71 74 84 Pro-Forma Taxes² (4) (9) (18) (18) (18) Adjusted Net Income 11 28 53 55 66 Pro-Forma Taxes² 4 9 18 18 18 Depreciation and Amortization 1 2 4 7 10 Interest Expense 6 12 21 19 22 Business (Non-income) Taxes 0 1 2 1 Adjusted EBITDA $22 $52 $97 $101 $117 Note: Excludes transaction expenses 23 1. Includes one time implementation fees, stock compensation expenses, IPO readiness costs and management fees 2. Assumes a tax rate of 25% for the years ended December 31, 2017, December 31, 2018, December 31, 2019, and December 31, 2020 and a 21.6% tax rate after, reflecting the U.S. federal statutory rate of 21% and a blended statutory rate for state income taxes, in order to allow for a comparison with other publicly traded companies. OppFi
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