OppFi Results Presentation Deck
OppFi Q3 2020 As Reported to Fair Value Pro Forma Reconciliation
27
($ in thousands, unaudited)
Total revenue
Total provision
Fair value adjustment¹
Net revenue
Expenses
Sales and marketing
Customer operations
Technology product, and analytics
General, administrative, and other
Total expenses before interest expense
Interest expense²
Income from operations
$
$
$
Nine Months Ended September 30, 2020
FV Adjustments
37,464
62,755
(87,470)
12,749 $
As Reported
198,693 $
(62,755)
135,938
$
10,185
12,359
14,254
21,200
57,998
16,582
61,358 $
15,174
15,671
$
30,845 $
(18,096) $
1. FV Aument of $87 5M includes not change-off of $80M and PM Adjustment of $17.6M diven by lower receivables and lower PM markant of the COVID-19 pandemic
2 includes det amortization costs
FV Pro Forma
236,157
(87,470)
148,687
25,359
28,030
14,254
21,200
88,843
16,582
43,262
OppFi"View entire presentation