Earnings Rebound and Credit Performance
Full Year 2023 Earnings Guidance Recently Raised For Third Time
$500M to
$520M
Total Revenue
Affirmed approximately
10% to 15% growth
$40M to
$42M
Adjusted Net Income¹
Raised from
$29 million to $35 million
$0.47 to
$0.49
Adjusted EPS 1,2
Increased from
$0.34 to $0.41
Growth
Profitability
Profitability
14
1.
2.
Non-GAAP Financial Measures: Adjusted Net Income and Adjusted EPS are financial measures that have not been prepared in accordance with GAAP. See the disclaimer on
"Non-GAAP Financial Measures" on slide 1 for a detailed description of such Non-GAAP financial measures. A reconciliation of projected 2023 Adjusted Net Income and projected
2023 Adjusted EPS to the most directly comparable GAAP financial measures is not included in this presentation because, without unreasonable efforts, the Company is unable
to predict with reasonable certainty the amount or timing of non-GAAP adjustments that are used to calculate these measures.
Adj. EPS of $0.47 to $0.49 is based on approximate weighted average diluted share count of 85.5 million. Adj. EPS previous range of $0.34 to $0.41 was based on approximate
weighted average diluted share count of 85.0 million.
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