OppFi Investor Presentation Deck
12
Platform with Proven Ability to Scale Profitably
($ in millions)
52%
¹17A - ¹23P
Revenue CAGR
$70
Revenue ¹,2
$134
$268
$323
$418
$656
$875
"17A '18A 19A 20A 21P 22P 23P
50%
¹17A - ¹23P
Adj. EBITDA
CAGR
$22
$52
17A 18A
Adj. EBITDA 1,3
31% 39%
$97
¹19A
36%
$99
$132
$182
¹20A 21P 22P
Margin
31% 32% 28%
$254
23P
29%
50%
¹17A - ¹23P
Adj. Net Income
CAGR
$11
16%
Adj. Net Income ¹,4
$28
Note: Reconciliation of non-GAAP to GAAP financials for 2017 through 2020 located in Appendix pages 29-31
1. 2021P projections include impact of recent additional government stimulus and assume a corresponding return to pre-COVID demand by the beginning of Q3 2021
2. Revenue pro forma for fair market value accounting, The Company is transitioning from an expected credit loss application to a fair market value application acceptable under US GAAP
3. Adj EBITDA pro forma for fair market value accounting, 2021P-2023P include anticipated recurring public company costs
4. Adj. Net Income represents Adj. EBT tax-affected at assumed tax rate of 25%. Pro forma for fair market value accounting, 2021P-2023P include anticipated recurring public company costs
$53
21%
$53
17A 18A 19A 20A 21P 22P '¹23P
Margin
17% 16% 13%
20%
$66
$88
$127
15%
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