Slide 1: Q2 2026 Earnings Presentation
Q2 2026 Earnings Presentation August 10, 2026
Slide 2: Disclaimer
Disclaimer This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for information purposes only. Certain information contained herein has been derived from sources prepared by third parties. While such information is believed to be reliable for the purposes used herein, t
Slide 3: Q2 2026 Earnings Highlights
Q2 2026 Earnings Highlights Record Second Quarter Total Revenue Total Revenue of $145.2 million, an increase of Net Income of $15.6 million, an increase of 1.9% year over year, a Company record for any 36% year over year, and Net Income margin of second quarter 10.8%, up from 8.1% Ending Receivables
Slide 4: At-A-Glance
Mission-driven Platform Providing best-in-class products and customer service with a 73 NPS Score1 Large Addressable Market 48 million Americans2 and over 12 million small businesses3 are At-A-Glance underbanked and lack traditional credit options A tech-enabled digital finance platform that partner
Slide 5: Financial Highlights
Financial Highlights
Slide 6: Q2 2026 Financial Highlights
Q2 2026 Financial Highlights Deliberate credit tightening and moderated originations position the portfolio for stronger long-term returns $15.6M Net Income $39 $0.45 $14.8M Net Income Attributable to -27% -25% OppFi Inc. $29 $0.33 $0.29 $28.8M $25 Adj. Net Income1 $0.22 Basic EPS $0.18 Diluted EPS
Slide 7: Q2 2026 Performance: Record Second Quarter Total Revenue
Q2 2026 Performance: Record Second Quarter Total Revenue $142 $145 39.5% 45.0% +2% 42.6% $126 +760bps 38.9% +370bps 32.5% 31.9% Q2 2024 Q2 2025 Q2 2026 Q2 2024 Q2 2025 Q2 2026 Q2 2024 Q2 2025 Q2 2026 Total Revenue1 ($M) Net Charge-Off Rate2 Operating Expense Margin Total revenue increased 1.9% YoY d
Slide 8: Q2 2026 Key Performance Indicators
Q2 2026 Key Performance Indicators UNAUDITED QUARTER ENDED • Total net originations decreased 9% year over year as a result of lower ($ in millions) 6/30/2025 6/30/2026 net originations from refinance customers, as the prior year period benefited from changes to our credit model that increased the m
Slide 9: Free Cash Flow Generation & Capital Allocation Optionality
Free Cash Flow Generation ($M)1 Free Cash Flow $104M of Free Cash Flow generated in the first half of 2026 Generation & Capital $104.3 Allocation Optionality $63.8 2026 Key Liquidity and Capital Allocation Highlights • $11.2M in share repurchases at an average price of $9.46 (YTD as of 6/30/26) 1H 2
Slide 10: Full Year 2026 Earnings Guidance
Full Year 2026 Earnings Guidance Total Revenue Adjusted Net Income1 Adjusted EPS1,2 $600M $115M $1.34 to to to $625M $130M $1.51 Reduced from Reduced from Reduced from $650M to $675M $153M to $160M $1.76 to $1.84 1. Adjusted Net Income and Adjusted EPS are non-GAAP financial measures. See the discla
Slide 11: Appendix
Appendix
Slide 12: Selected Customer Testimonials
Results Selected Customer Testimonials Outstanding Customer Satisfaction “They are amazing!!! Great customer service! Tons of knowledge, and willing to 73 Net Promoter Score (NPS) help. Easy application process! Fast funding!! And Great Customer Service!!! I will recommend, and personally use again!
Slide 13: Q2 Income Statement
Q2 Income Statement (in Thousands, except share and per share data) Three Months Ended June 30, Variance (Unaudited) 2026 2025 $ % Revenue: Interest on finance receivables $ 143,726 $ 141,144 $ 2,582 1.8% Other revenue 1,444 1,299 145 11.2% 145,170 142,443 2,727 1.9% Change in fair value of finance
Slide 14: Year to Date Income Statement
Year to Date Income Statement (in Thousands, except share and per share data) Six Months Ended June 30, Variance (Unaudited) 2026 2025 $ % Revenue: Interest on finance receivables $ 294,252 $ 280,262 $ 13,990 5.0% Other revenue 2,799 2,449 350 14.3% 297,051 282,711 14,340 5.1% Change in fair value o
Slide 15: Condensed Balance Sheet
Condensed Balance Sheet June 30, December 31, Variance (in Thousands) 2026 2025 $ % Unaudited Assets Cash and restricted cash $ 91,846 $ 93,263 $ (1,417) (1.5%) Finance receivables at fair value 496,306 546,236 (49,930) (9.1%) Equity method investment 19,958 19,076 882 4.6% Other assets 162,619 95,5
Slide 16: Condensed Cash Flow Statement
Condensed Cash Flow Statement (in Thousands) Six Months Ended June 30, Variance (Unaudited) 2026 2025 $ % Net cash provided by operating activities $ 182,812 $ 179,357 $ 3,455 1.9% Net cash used in investing activities (78,481) (115,561) 37,080 (32.1%) Net cash used in financing activities (105,748)
Slide 17: Q2 Adjusted Net Income Reconciliation
Q2 Adjusted Net Income Reconciliation (in Thousands, except share and per share data) Three Months Ended June 30, Variance (Unaudited) 2026 2025 $ % Net income $ 15,612 $ 11,480 $ 4,132 36.0% Income tax expense 9,844 1,224 8,620 704.0% Other income (87) (79) (8) 10.1% Change in fair value of warrant
Slide 18: Year to Date Adjusted Net Income Reconciliation
Year to Date Adjusted Net Income Reconciliation (in Thousands, except share and per share data) Six Months Ended June 30, Variance (Unaudited) 2026 2025 $ % Net income $ 69,650 $ 31,870 $ 37,780 118.5% Income tax expense 13,815 2,875 10,940 380.5% Other income (319) (159) (160) 100.6% Change in fair
Slide 19: Q2 Adjusted Earnings per Share Reconciliation
Q2 Adjusted Earnings per Share Reconciliation Three Months Ended June 30, (Unaudited) 2026 2025 Weighted average Class A common stock outstanding 67,512,878 26,610,330 Weighted average Class V voting stock outstanding 17,857,291 60,251,993 Dilutive impact of restricted stock units 513,835 1,304,191
Slide 20: Year to Date Adjusted Earnings per Share Reconciliation
Year to Date Adjusted Earnings per Share Reconciliation Six Months Ended June 30, (Unaudited) 2026 2025 Weighted average Class A common stock outstanding 47,371,349 25,158,196 Weighted average Class V voting stock outstanding 38,051,607 61,470,613 Dilutive impact of restricted stock units 535,209 1,
Slide 21: Free Cash Flow Reconciliation
Free Cash Flow Reconciliation (in Thousands) Six Months Ended June 30, Variance (Unaudited) 2026 2025 $ % Net cash provided by operating activities $ 182,812 $ 179,357 $ 3,455 1.9% Less: Net cash used in investing activities (78,481) (115,561) 37,080 (32.1%) Free cash flow 1 $ 104,331 $ 63,796 $ 40,
Slide 22: Thank You
Thank You