Oppfi Inc. · NYSE:OPFI
Oppfi — Oppenheimer 28th Annual Technology, Internet & Communications Conference (August 2025)
30 slides from Oppfi's conference presentation, Aug 12, 2025
Slide 1: Investor Presentation August 2025
Investor Presentation August 2025
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: At-A-Glance
Mission-driven Platform Providing best-in-class products and customer service with a 79 NPS Score1 Significant Economic Scale Facilitated more than $7.8 billion in gross loan issuance covering over 4.3 million loans, since inception2 At-A-Glance Profitable Across Business Cycles 10 consecutive years
Slide 4: OppFi's Mission
Family Housing OppFi’s Mission Education Everyday Expenses To serve the 60+ million U.S. Consumers that are Credit Marginalized1 Auto 43% Families face difficulties paying bills or expenses2 Average Emergencies American 42% Households have less than one month of savings2 Travel Credit applicants wer
Slide 5: The OppFi Customer
The OppFi Consumer Demographics Customer The typical OppFi Consumer is $50k Annual Income1 representative of the Everyday American $298 Average Savings2 43 y/o Average Age3 38% Married3 1. Internal analysis per internal application data from all applications in fiscal year 28% Homeowners4 2024. Trim
Slide 6: A Market-Leading Product Designed to Help Consumers
A Market- Leading Product Designed to Help Consumers
Slide 7: OppLoans Platform
OppLoans Platform Leads with a customer-first mentality, delivering a top-tier digital personal loan experience to the underbanked consumer. Top-tier customer service and Report to the 3 major credit bureaus digital-first experience Simple interest, amortizing installment loans with no Market-Leadin
Slide 8: Financial Options for the Underbanked Have Been Limited
Financial Options for the Underbanked Have Been Limited, with High Interest Rates and Poor Customer Service Payday Loans1 Tribal Loans2 OppLoans Possible application, $10-$30 per $100 Fees origination, or None borrowed prepayment fees Delivers a more affordable, transparent product for the underbank
Slide 9: New Customer Journey
New Customer Journey OppFi provides customers with a clear pathway to build credit without locking them into a cycle of debt. Prospect “Turn-Up” Approval & Servicing and Promoting Brand Begins Online Process Funding Repayments Financial Health Advocacy Application • 100% online application • Perform
Slide 10: Dynamic Underwriting Powered by Technology
Dynamic Underwriting Powered by Technology Sixth-generation machine learning Model 6 built to better predict consumer credit risk and more effectively target creditworthy borrowers 14+ Million Applications 2+ Million Loans 30+ Million Repayments 15+ Billion Data Points leveraged in a Proprietary Tec
Slide 11: Credit Model 6 Fully Deployed
Credit Assessment at the Application Level Allows for True Risk- Based Pricing, Driving Higher Originations Without Increasing Losses Proprietary Banking Transaction Attributes Previous Customer Credit Model 6 Next-Gen Credit Reports Performance Data Fully Deployed Sixth generation machine learning
Slide 12: Capturing Demand
Capturing Demand Marketing via organic and paid channels empowers OppFi to efficiently capture demand Paid Channels Organic Channels Direct Mail SEO Target prospective customers using prescreened offers while Efficiently capture and convert organic traffic through expanding into alternative data sou
Slide 13: Results Selected Customer Testimonials
Results Selected Customer Testimonials Outstanding Customer Satisfaction “You were very easy to work with. I had an issue with funds being deposited 79 Net Promoter Score (NPS) into my account because I entered in a wrong number on my part and your reps handled it fast and efficiently and money was
Slide 14: Looking Ahead to Sustainable Growth
Looking Ahead to Sustainable Growth
Slide 15: OppFi Growth Strategy
OppFi Growth Strategy Designed to Build a Leading Credit Access & Financial Technology Platform Enhance Credit Models to Expand Market Potential and Performance Improved underwriting and dynamic risk credit models can increase performance while expanding the funnel Establish New Partnerships Strengt
Slide 16: Building a Leading Financial Technology Platform
Building a Leading Financial Technology Platform Designed to seek out new supply/demand imbalances and diversify revenue Current Offerings Potential Expansion Opportunities Core Product Prospective Industries Retail Installment, Lease to Own, Point of Sale, Mobile Installment Loan Banking Prospectiv
Slide 17: Bitty Transaction Represented OppFi's Entry Into Small Business Financing Market
Bitty Transaction Represented OppFi’s Entry Into Small Business Financing Market Strategic Rationale Terms of Transaction Realized Value • Aligns with mission to • Purchased 35% stake in • Expected to earn $4M+ in provide credit access to the Bitty for approximately 2025 before taxes and underbanked
Slide 18: Performance Overview
OppF Performance Overview
Slide 19: Strong Unit Economics Drive Robust Profitability and Free Cash Flow Generation
Strong Unit Economics Drive Robust Profitability and Free Cash Flow Generation $2,998 Customer Lifetime Value 42% 23% Margin Margin Dollars ($) $1,179 $220 $109 $1,258 $232 $694 $564 Revenue Net Acquisition Origination Interest Lifetime Corporate Earnings 1 2 3 4 5 6 7 Realized Charge-offs Cost Cost
Slide 20: Operational Rigor Drives Efficiency Gains
Operational Rigor Drives Efficiency Gains Operating Expenses (% of Revenue)1 58.9% 49.3% 27% Decrease 44.6% 43.1% 2021 2022 2023 2024 1. Operating expenses include salaries and employment benefits, direct marketing costs, interest expense and amortized debt issuance costs, interest expense – related
Slide 21: Proprietary Underwriting Model Improves Write-Off Performance
Proprietary Underwriting Model Improves Write-Off Performance Summary: Vintage Write-Off Rate at Week 20 2021 2022 2023 2024 2024 improved performance is driven by new credit models, strategic enhancements to 6.3% 7.8% 7.2% 7.0% policies, and targeted marketing initiatives 21
Slide 22: Customer Engagement & Settlement Strategies Strengthen Recoveries
Customer Engagement & Settlement Strategies Strengthen Recoveries on Written-Off Loans 2025 ($1.1M Peak) Net Recoveries as a % of Written-Off Principal Loan Balances 2022 2023 2024 2025 Recoveries Growth Fueled by Strong Partnerships, Optimized Settlement Offers, and 5.9% 9.5% 12.7% 15.0%1 Matured C
Slide 23: Financial Overview
OppF Financial Overview
Slide 24: Sustained Multi-Year Revenue Growth
Sustained Multi-Year Revenue Growth Total revenue increased 12.8% year over year in Q2 2025 to $142.4 million, a Company record for any quarter Total Revenue +13% YoY growth $142M $140M $137M $136M $133M $133M $127M $126M $123M Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Slide 25: Significant Growth in Adjusted Net Income Year Over Year
Significant Growth in Adjusted Net Income Year Over Year Driven by Record Annual Revenue, Improvements in Net Charge-Offs, and Prudent Expense Management Adjusted Net Income1,2 ($M) Adjusted EPS1,2 ($M) $83 $0.95 +99% +96% $41 $0.49 $3 $0.04 FY FY FY FY FY FY 2022 2023 2024 2022 2023 2024 1. Non-GAA
Slide 26: Capital Allocation Optionality
Capital Allocation Optionality Total Funding Capacity ($M) 2025 Key Liquidity and Capital Allocation Highlights $603.3 • $30.0M in repayment of remaining Restricted and Unrestricted Cash $78.3 corporate term loan debt outstanding (Q1-25) Undrawn $219.1 • $50.0M upsize to revolving credit facility De
Slide 27: Full Year 2025 Earnings Guidance
Full Year 2025 Earnings Guidance Total Revenue Adjusted Net Income1 Adjusted EPS1,2 $578M $125M $1.39 to to to $605M $130M $1.44 Raised from Raised from Raised from $563M - $594M $106M - $113M $1.18 to $1.26 1. Non-GAAP Financial Measures: Adjusted Net Income and Adjusted EPS are financial measures
Slide 28: Appendix
OppFi- Appendix
Slide 29: Experienced Management
Experienced Management OppFi is led by a strong, experienced management team who can propel the Company to its next phase of growth Pam Johnson Yuri Ter-Saakyants Chief Financial Officer Chief Technology Officer Years of Experience: 15+ Years of Experience: 13+ Prior Role: CFO at Heights Financial.
Slide 30: Adjusted Net Income & Adjusted EPS Reconciliation Table
Adjusted Net Income ($ in thousands, except per share data) FY22 FY23 FY24 & Adjusted EPS Reconciliation Table: Diluted Earnings (Loss) Per Share1 $0.05 ($0.06) $0.36 Annual View Net Income $3,340 $39,479 $83,837 Income Tax Expense (Benefit) (277) 2,331 4,215 1. Diluted earnings (loss) per share ava