OppFi Investor Presentation Deck
28
Growth Strategy and Drivers
Potential for
Continued
Growth in
Receivables
($ in millions)
Installment Loans
$164
2018A
34%
'18A - ¹23P
CAGR
• Assumed return to pre-COVID demand
Improved conversion rate optimization of
acquisition funnel
Operational leverage driven by technology
gains in automation and productivity
Stable credit
#
+
$282
2019A
47%
CAGR (2018A-2023P)
$276
2020A
Salary Tap
Employer adoption of financial wellness
Maturation of instant payroll verification and
allotment tools
$510
195%
'21P - ¹23P
Growth
1. 2021P projections include impact of recent additional government stimulus and assume a corresponding return to pre-COVID demand by the beginning of 03 2021
2021P¹
•
$800
2022P
Credit Card
$1,145
2023P
102%
21P-23P
Growth
Extension of customer loyalty to graduation
product
• Potential disruption of large market where
current players lack in mobile acquisition and
user experience, offer low limit products with
high fees as % of principal, and provide poor
customer service
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