OppFi Results Presentation Deck
OppFi GAAP Income Statements
(in thousands, except share and per share data)
Unaudited
Interest and loan related income
Other income
14
Total revenue
Provision for credit losses on finance receivables
Change in fair value of finance receivables
Net revenue
Expenses:
Sales and marketing
Customer operations
Technology, products, and analytics
General, administrative, and other
Total expenses before interest expense
Interest expense
(Loss) income from operations
Gain of loan forgiveness of Paycheck Protection Program
Change in fair value of warrant liability
Income before income taxes
Provision for income taxes
Net (loss) income
Less: net loss attributable to noncontrolling interest
Net income attributable to OppFi Inc.
Earnings per share attributable to OppFi Inc. ¹:
Earnings per common share:
Basic
Diluted
Weighted average common shares outstanding:
Basic
69
$
$
69
$
69 69
Three Months Ended March 31,
2022
2021
100,336 $
374
100,710
(457)
(49,525)
50,728
13,589
10,031
8,229
13,591
45,440
7,449
(2,161)
2,404
243
540
(297)
(1,373)
1,076
0.08 $
69 69
0.08 $
13,581,828
13,635,483
84,103
154
84,257
(7)
(22,389)
61,861
7,936
9,609
5,827
9,496
32,868
4,609
24,384
24,384
24,384
Variance (%)
19.3%
142.9%
19.5%
6428.6%
121.2%
(18.0%)
71.2%
4.4%
41.2%
43.1%
38.2%
61.6%
(108.9%)
(99.0%)
(101.2%)
Diluted
1. Prior to the Reverse Recapitalization, all net income was attributable to the noncontrolling interest. For the periods prior to July 20, 2021, earnings per share was not calculated, as net income prior to the Business Combination was
attributable entirely to OppFi-LLC.
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