Full Year 2022 Outlook and Key Company Highlights

Platform with Proven Ability to Scale Profitably ($ in millions) Revenue $70 $134 $268 $351 $323 Adjusted EBITDA $22 $52 $117 $101 $97 Adjusted Net Income $11 $28 $66 $55 $53 17A 18A 19A 20A 21A 17A 18A 19A 20A 21A 17A 18A 31% 39% 19A Margin 36% 20A 21A 31% 33% 16% 21% Margin 20% 17% 19% 14 Note: Reconciliation of non-GAAP to GAAP financials for 2017 through 2021 located in Appendix OppFi❞

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