Oppfi Inc. · NYSE:OPFI
Oppfi — Q3 2026 Earnings Presentation
22 slides from Oppfi's earnings presentation, Oct 28, 2026
Slide 1: Q3 2026 Earnings Presentation
Q3 2026 Earnings Presentation October 28, 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: Q3 2026 Highlights
Q3 2026 Highlights Launched new Line of Credit product, All new customers now run through LOLA, representing a significant milestone in the OppFi’s new application system expansion of OppFi's product suite Repurchased $6.7 million of common stock Net Income of $34.5 million and Diluted EPS of under
Slide 4: At-A-Glance
Mission-driven Platform Providing best-in-class products and customer service with a 71 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: Q3 2026 Financial Highlights
Q3 2026 Financial Highlights Investment in key strategic initiatives positions OppFi for stronger long-term returns $34.5M Net Income $41 $0.46 -23% -20% $31.6M $32 $0.37 Adj. Net Income1 $29 $0.33 $0.41 Basic EPS $0.40 Diluted EPS $0.37 Q3 2024 Q3 2025 Q3 2026 Q3 2024 Q3 2025 Q3 2026 Adjusted EPS1
Slide 7: Q3 2026 Performance
Q3 2026 Performance +5% CAGR $155 45.9% 41.1% $149 -4% 37.3% $137 40.1% 36.2% +110bps 35.1% +500bps Q3 2024 Q3 2025 Q3 2026 Q3 2024 Q3 2025 Q3 2026 Q3 2024 Q3 2025 Q3 2026 Total Revenue1 ($M) Net Charge-Off Rate2 Operating Expense Margin Total revenue decreased 3.8% YoY driven by Net charge-offs as
Slide 8: Q3 2026 Key Performance Indicators
Q3 2026 Key Performance Indicators UNAUDITED QUARTER ENDED • Total net originations decreased 7% year over year as a result of ($ in millions) 9/30/2025 9/30/2026 tightened marketing partner screening criteria year over year, and total retained net originations decreased 11% year over year, attribut
Slide 9: Free Cash Flow Generation & Capital Allocation Optionality
Free Cash Flow Generation ($M)1 Free Cash Flow $108M of Free Cash Flow generated in the first nine months of 2026 Generation & Capital $107.5 Allocation Optionality $66.1 2026 Key Liquidity and Capital Allocation Highlights • $17.9M in share repurchases (YTD as of 9/30/26) • Board authorized a $40 m
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 $610M $120M $1.40 Top end reduced Top end reduced Top end reduced from $625M from $130M from $1.51 1. Adjusted Net Income and Adjusted EPS are non-GAAP financial measures. See the disclaime
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 71 Net Promoter Score (NPS) help. Easy application process! Fast funding!! And Great Customer Service!!! I will recommend, and personally use again!
Slide 13: Q3 Income Statement
Q3 Income Statement (in Thousands, except share and per share data) Three Months Ended September 30, Variance (Unaudited) 2026 2025 $ % Revenue: Interest on finance receivables $ 147,652 $ 153,706 $ (6,054) (3.9%) Other revenue 1,578 1,383 195 14.1% 149,230 155,089 (5,859) (3.8%) Change in fair valu
Slide 14: Year to Date Income Statement
Year to Date Income Statement (in Thousands, except share and per share data) Nine Months Ended September 30, Variance (Unaudited) 2026 2025 $ % Revenue: Interest on finance receivables $ 441,904 $ 433,968 $ 7,936 1.8% Other revenue 4,377 3,832 545 14.2% 446,281 437,800 8,481 1.9% Change in fair val
Slide 15: Condensed Balance Sheet
Condensed Balance Sheet September 30, December 31, Variance (in Thousands) 2026 2025 $ % Unaudited Assets Cash and restricted cash $ 140,673 $ 93,263 $ 47,410 50.8% Finance receivables at fair value 518,884 546,236 (27,352) (5.0%) Equity method investment 20,348 19,076 1,272 6.7% Other assets 162,49
Slide 16: Condensed Cash Flow Statement
Condensed Cash Flow Statement (in Thousands) Nine Months Ended September 30, Variance (Unaudited) 2026 2025 $ % Net cash provided by operating activities $ 268,129 $ 284,481 $ (16,352) (5.7%) Net cash used in investing activities (160,606) (218,419) 57,813 (26.5%) Net cash used in financing activiti
Slide 17: Q3 Adjusted Net Income Reconciliation
Q3 Adjusted Net Income Reconciliation (in Thousands, except share and per share data) Three Months Ended September 30, Variance (Unaudited) 2026 2025 $ % Net income $ 34,479 $ 75,933 $ (41,454) (54.6%) Income tax expense 6,267 5,647 620 11.0% Other income (86) (82) (4) 4.9% Change in fair value of w
Slide 18: Year to Date Adjusted Net Income Reconciliation
Year to Date Adjusted Net Income Reconciliation (in Thousands, except share and per share data) Nine Months Ended September 30, Variance (Unaudited) 2026 2025 $ % Net income $ 104,129 $ 107,803 $ (3,674) (3.4%) Income tax expense 20,082 8,522 11,560 135.7% Other income (405) (241) (164) 68.1% Change
Slide 19: Q3 Adjusted Earnings per Share Reconciliation
Q3 Adjusted Earnings per Share Reconciliation Three Months Ended September 30, (Unaudited) 2026 2025 Weighted average Class A common stock outstanding 85,066,885 28,163,404 Weighted average Class V voting stock outstanding - 58,852,443 Dilutive impact of restricted stock units 361,279 969,852 Diluti
Slide 20: Year to Date Adjusted Earnings per Share Reconciliation
Year to Date Adjusted Earnings per Share Reconciliation Nine Months Ended September 30, (Unaudited) 2026 2025 Weighted average Class A common stock outstanding 60,027,387 26,168,321 Weighted average Class V voting stock outstanding 25,275,155 60,590,252 Dilutive impact of restricted stock units 477,
Slide 21: Free Cash Flow Reconciliation
Free Cash Flow Reconciliation (in Thousands) Nine Months Ended September 30, Variance (Unaudited) 2026 2025 $ % Net cash provided by operating activities $ 268,129 $ 284,481 $ (16,352) (5.7%) Less: Net cash used in investing activities (160,606) (218,419) 57,813 (26.5%) Free cash flow 1 $ 107,523 $
Slide 22: Thank You
Thank You