OppFi Investor Presentation Deck slide image

OppFi Investor Presentation Deck

29 OppFi Current Audited Financials EBT to Fair Market Value EBT Reconciliation ($ in millions) Current Audited Financials EBT¹ Loan Loss Reserve Adjustment Capitalization Adjustment Increase / (Decrease) in FMV Pro Forma Fair Market Value EBT² Taxes³ Pro Forma Fair Market Value Net Income 2017A $2.6 6.8 (1.2) 4.7 $12.9 (3.2) $9.6 2018A $9.7 18.7 (6.5) 13.9 $35.8 (8.9) $26.8 2019A $33.0 26.0 (8.3) 17.7 $68.4 (17.1) $51.3 Note: Excludes transaction expenses 1. Represents Net Income as reported in audited financial statements, as the Company does not have tax liability under current LLC pass-through structure 2. The Company is transitioning from an expected credit loss application to a fair market value application acceptable under US GAAP. Historically under the expected credit loss application, the Company has reserved for life losses due to the short duration of receivables 3. Assumes tax rate of 25% 2020A $77.5 1.1 4.9 (16.9) $66.7 (16.7) $50.0 OppFi"
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