OppFi Pitch Deck
44
OppFi Current Audited Financials EBT to Adjusted EBT Reconciliation
($ in millions)
2017A
2018 A
2019A
2020E
Current Audited Financials EBT1
$3
$10
$33
$79
Recruiting Fees, Severance & Relocation
0.2
0.3
0.3
0.1
Amortization of Debt Transaction Costs
0.5
0.6
1.8
1.9
Other Addback and One-Time Expenses²
1.1
0.6
0.5
1.1
Current Audited Financials Adj. EBT
$4
$11
$36
$82
Taxes³
(1)
(3)
(9)
(20)
Current Audited Financials Adj. Net Income
$3
$8
$27
$61
Note: Excludes transaction expenses
1. Represents Net Income as reported in audited financial statements, as the Company does not have tax liability under current LLC pass-through structure
2. Includes one time implementation fees, stock compensation expenses, IPO readiness costs and management fees
3. Assumes tax rate of 25%
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