OppFi (OPFI) Investor presentation summary

Platform and market

• Tech-enabled digital finance platform partners with banks to serve everyday Americans lacking traditional credit options; mission centers on safer, simpler, more affordable credit and financial health.

• 48M Americans and 12M+ small businesses are underbanked; platform has facilitated $9.6B+ in gross loan issuance across 5.1M+ loans since inception.

• Reported 11 consecutive years of positive net income and a 71 Q3 2026 NPS at loan approval.

Financial performance and resilience

• Total revenue rose from $526M in FY 2023 to $606M in FY 2025 and $597M for LTM Q3 2026; stated CAGR was 6.5%.

• Adjusted net income was $41M in FY 2023, $83M in FY 2024, $140M in FY 2025 and $116M for LTM Q3 2026; stated CAGR was 45.4%.

• LTM Q3 2026 adjusted net income margin was 19.2%; annual figures were 8.2% in FY 2023, 15.7% in FY 2024 and 23.4% in FY 2025.

• Across OppLoans product results, quarterly net charge-offs as a share of average receivables were 19% in Q3 2026; adjusted EBT margin was 26% that quarter, versus a 22.0% median across shown quarters.

• Recoveries as a share of gross charge-offs rose to 17.9% in LTM Q3 2026 from 10.4% in FY 2023; net charge-offs as a share of revenue declined to 37.0% from 43.5%.

Balance sheet and shareholder returns

• Adjusted ROA was 14.9% and adjusted ROE 32.2% for LTM Q3 2026; total debt / total equity declined from 1.72x in FY 2023 to 0.79x in Q3 2026.

• Cumulative capital returned reached $403M by YTD 2026, equal to 362% of starting book value; cumulative total includes public-equityholder dividends and special member distributions.

• Shareholder capital return was shown at 350%+ versus public indexes; the presented LTM P/E was 4.6x, using adjusted EPS for the valuation calculation.

• Diluted EPS was $1.52 for LTM Q3 2026; adjusted EPS was $1.35 and adjusted net income was $116.2M for that period.