OppFi Results Presentation Deck
13
Fair Value Valuation
($ in thousands)
Outstanding Principal
Accrued Interest
Interest Rate
Discount Rate
Servicing Cost¹
Remaining Life
Default Rate¹
Accrued Interest¹
Prepayment Rate¹
Premium to Principal²
UNAUDITED PERIOD ENDED
6/30/2022
$394,709
$12,917
149.9%
24.9%
(5.0)%
0.637 years
19.5%
3.3%
16.4%
10.9%
3/31/2022
$332,517
$10,674
147.7%
21.6%
(5.0)%
0.617 years
18.5%
3.2%
21.3%
11.3%
1. Stated as a percentage of loan receivable.
2. Represents rate applied to on-balance unpaid principal receivables, inclusive of adjustment for accrued interest.
Key Highlights
-
.
Default rate increased by 100bps due to recent
elevated loss rates
Prepayment rate decreased by 495bps
Discount rate increased 330bps primarily due to
increases in the risk-free rate and equity risk
premium
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