Earnings Rebound and Credit Performance slide image

Earnings Rebound and Credit Performance

Operational Efficiencies Support Earnings Growth Total Operating Expenses as a % of Total Revenue¹ 12 More efficient marketing spend and streamlined customer support operations 1. Interest expense is included in total operating expenses 58.9% 16.3% improvement 49.3% 9.0% improvement 49.6% 2021A 2022A 9 Months Ended 9/30/2022A I I 45.2% 9 Months Ended 9/30/2023A OppFi
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