OppFi Investor Presentation Deck
August 2022, 24 slides
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investor presentation august | OppFi
disclaimer | OppFi
our mission to facilitate safe simple and more affordable credit access to the million everyday who currently lack traditional options to rebuild their financial health | OppFi
key company highlights solid revenue growth year significant scale facilitated more than billion leading proprietary credit technology platform in gross loan issuance covering over real time drove for million loans since inception of decisions in and executive chairman as shareholder owner operator dynamic aligns incentives to maximize shareholder value robust customer demand more than million applications exceptional customer satisfaction in mobile generated net promoter score of customer reviews with average rating | OppFi
executive management team with substantial financial services experience | OppFi
high percentage of lack savings and or credit access million adults lack access to traditional credit of consumers live to of adults have savings to cover a unplanned expense expense | OppFi
we help everyday consumers solve everyday problems our typical customer customers can use proceeds for any unexpected expense established credit history median income employed car trouble housing medical bank account years old college educated no savings family education go a | OppFi
advantage the approach to lending traditionally financing options for the have been limited with exorbitant interest rates and poor customer service market leading terms option simple interest amortizing installment loans with no balloon payments no origination late or fees no prepayment penalties market based offers provide options based on amount interest rate and term report to the major credit bureaus work compassionately with customers who require payment plan modification turnup program helps consumers find most affordable loan even if that option with us isle ade one average soe a | OppFi
leverage billions of data points to make credit scores obsolete proprietary algorithms powered by artificial intelligence are designed to better predict ability and willingness to repay million applications million loans million repayments attributes per repayment billion data points powered proprietary scoring algorithm do a | OppFi
technology fueled proprietary algorithms provide real time insights visibility across non prime risk spectrum enables the targeting of borrowers more effectively providing flexibility to change model criteria quickly machine learning continuous a testing behavior data opt alternative marketing modern data warehouse | OppFi
growth strategy accelerate profitable growth drive profitable core product volume growth serve more non prime consumers with product extensions new structures and or strategic partnerships expand into new customer types via a continue to test iterate on market based offers refine underwriting model focusing on best credit tiers reduce acquisition costs with more targeted marketing campaigns by focusing on referrals direct mail and conversion funnel optimization enter adjacent market segments utilizing different business model with minimal balance sheet or credit risk secure new capital efficient funding structures explore new relationship structures with banks acquire enterprise that could provide credit access to other customer types in adjacent lending categories diversifying business mix | OppFi
understanding our customer value over customers surveyed of took the time to write a personal note about their experience of the remarks were positive overall experience our impact what would happen to our customers without had a very positive or positive experience we are there when are not were turned down by a bank or credit union were turned down by another lender almost fall behind on bills risk losing job | OppFi
financial performance | OppFi
platform with proven ability to scale profitably revenue adjusted adjusted net income a a a a a a a a a a a a a a | OppFi
operational efficiencies expense savings continued increases in operational leverage position well for post covid demand increasing approvals on track for million in after tax reduction in operational cost base exiting more efficient marketing spending leading to lower cost per funded loan reduced vendor expenses rationalization lower interest expenses from new financing agreements normalization of costs after going public last year | OppFi
reduced cost of financing and strong balance sheet to power growth ample debt capacity provides a means to fund future growth without equity liquidity in millions grown liquidity of levels decreased cost of borrowing by since diversified institutional capital sources increased financial flexibility with corporate credit agreements asset backed facilities bank provided asset based loans forward flow arrangements and total return swap i pry | OppFi
quarterly key performance indicators key highlights clone sane | OppFi
full year outlook to total revenue growth to adjusted operating expense margin break even or modest net loss profitability adjusted basis outlook expense | OppFi
long term targets net revenue margin adjusted operating expense margin adjusted margin adjusted net income margin relate expense | OppFi
appendix | OppFi
fair value valuation key highlights default rate increased by due to recent elevated loss rates prepayment rate decreased by discount rate increased primarily due to increases in the risk free rate and equity risk premium interest bate servicing cost | OppFi
pro share count as of june shares share price notes | OppFi
adjusted and adjusted net income reconciliation table | OppFi
contact information head of investor relations investors lar nae on | OppFi
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