OppFi Investor Presentation Deck
Originations
($ in millions)
& Percent
Growth
·
OppFi Entering Next Phase of Growth
.
Strengthened the
Foundation
.
2019A
$497
Diversified capital
structure
Adjusted net income
increased by 90%¹
In
Auto approval rate more
than doubled
(3%)
2020A
.
$483
Strong Business
Fundamentals Despite
Pandemic Onset
Added new bank
origination partners
Tightly managed business
through the pandemic
Provided credit to more
than 280,000 consumers
23%
2021A
Transitioned to
Public Company,
Growth Resumed
.
$595
⠀
Origination and earnings
growth resumed
Record originations in 2H:21
. More than doubled auto
approval rate (again)
20% - 25%
·
Focus on Our
Core Product,
Credit Normalizes
#
.
·
2022P
$729²
Todd Schwartz returns as CEO
Strong origination demand
Credit normalization
AI
Iterating market-based offers
Refining underwriting model
Strengthening technology and
1. Adjusted Net Income is not a financial measure determined in accordance with GAAP. For a reconciliation to our most directly comparable financial measures calculated and presented in
accordance with GAAP, please see the Appendix included within this presentation.
2. Represents an amount that reflects originations based on the midpoint of guidance for ending receivables growth.
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