OppFi Results Presentation Deck

7 Q2 2022 Performance Profitability increased relative to Q1 2022; however, elevated charge-offs continued to put pressure on earnings, which OppFi believes will continue throughout the remainder of FY 2022 YOY Growth Adj. EBITDA¹ ($ Millions) Margin² YOY Growth Adj. Net Income¹ ($ Millions) Margin² Q2 2021 $32 41% $18 23% Q2 2022 (38%) $20 19% (62%) $7 6% 1. Adj. EBITDA and Adj. Net Income and margins thereof are not financial measures 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. Margins depicted as percentage of Total Revenue. OppFi"

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