Earnings Rebound and Credit Performance

8 + Key Company Highlights $ Profitable Across Business Cycles 8 consecutive years of profitability1 Solid Revenue Growth 45% 5-year CAGR² CEO and Executive Chairman as Largest Shareholder Owner/operator dynamic aligns incentives to maximize shareholder value Leading Proprietary Credit & Technology Platform Real-time AI drove automation for 85% of decisions in 2022 88888 88888 Significant Scale Facilitated more than $5.3 billion in gross loan issuance covering over 3.1 million loans, since inception³ Exceptional Customer Satisfaction Net Promoter Score of 784; 4,000+ Trustpilot customer reviews with 4.5 / 5.0 average rating 1. 2015-2022 3. As of 9/30/2023 2. 2017-2022 4. For Q3 2023 at the time of loan approval OppFi

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