A Tech-Enabled, Mission-Driven Specialty Finance Platform that Broadens the Reach of Community Banks to Extend Credit Access to Everyday Americans Q4 2023 Earnings Presentation ...

Q4 2023 Earnings Presentation March 7, 2024 A Tech-Enabled, Mission-Driven Specialty Finance Platform that Broadens the Reach of Community Banks to Extend Credit Access to Everyday Americans f1it nDhaein sfccoilaraeli gmpoeeirrnf ogTr hlmiissat npocrfee fs.a eTcnhttoaertssieo i nfso n(rtowhtea e r“xdPc-rlloeusoseikvnienta,g ta isontnda” tre)em oadfe neOrtssp pashFreoi ubInladcs .en d(o“ toO pnpl aOpcFpeip ”uF oni’rds ut hceue r re“rlCeinaotnm ceexp paunepcyot”an)t iaiosn nyfso fraol nairnrdwgf oaaersr pmdsu ...

A Tech-Enabled, Mission-Driven Specialty Finance Platform that Broadens the Reach of Community Banks to Extend Credit Access to Everyday Americans Q3 2023 Earnings Presentation ...

财务数据和关键指标变化 - 总收入增长7.2%至1.332亿美元 [13] - 净贷款增长7.6%至1.957亿美元 [13] - 净收入从约100万美元亏损反弹至1550万美元,调整后净收入从约100万美元利润增至1380万美元 [13] - 年化净核销率占总收入的比例下降2个百分点至42.4% [15] - 年化净核销率占平均应收款的比例下降11个百分点至54.5% [15] 各条业务线数据和关键指标变化 - 新客户贷款减少5%,而现有客户贷款增加20.2% [23] 各个市场数据和关键指标变化 - 无相关内容 公司战略和发展方向及行业竞争 - 公司持续调整信用模型,改善信用表现并加快收益增长 [10] - 公司专注于成本效益的营销举措,如SEO和直邮,同时加强合作伙伴渠道 [18] - 公司保持谨慎的开支管理,总开支占收入的比例增加不到1个百分点 [18][25] - 公司正在评估相邻客户或产品类别的并购机会,同时探索其他创造股东价值的举措 [19] - 公司计划在2024年报告时分享对2024年的详细展望 [21] 管理层对经营环境和未来前景的评论 - 公司有信心未来信用表现和收益增长 [10] - 公司认为当前经济存在一些矛盾信号,将保持谨慎的信贷政策 [33][34][35] - 公司认为即使在最不利的利率环境下,仍能产生强劲回报 [37][38] 问答环节重要的提问和回答 问题1 **David Scharf 提问** 公司是否会加大营销和客户获取力度,对经济前景的看法如何 [32][33][34][35] **Todd Schwartz 回答** 公司将保持谨慎的信贷政策,但仍有10%-15%的增长空间,关注过去经验和关键经济指标 [33][34][35] 问题2 **David Scharf 提问** 公司的融资成本情况如何,未来趋势如何 [36][37][38][39][40] **Todd Schwartz 回答** 公司目前加权平均融资成本约11%,未来可能维持在这一水平 [37][38][40] 问题3 **Mike Grondahl 提问** 公司对成本结构的看法,是否考虑通过并购来创造价值 [47][48][49][50][51][52][53][54] **Todd Schwartz 回答** 公司一直关注成本优化,并将审慎评估并购机会,要求并购标的具有良好的单位经济学和与公司价值观相符的品牌 [48][49][50][53][54]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 __________________________________________________________________ FORM 10-Q __________________________________________________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from___ ...

OppFi Inc. (NYSE:OPFI) Q2 2023 Earnings Conference Call August 9, 2023 4:30 PM ET Company Participants Shaun Smolarz – Head-Investor Relations Todd Schwartz – Chief Executive Officer and Executive Chairman Pam Johnson – Chief Financial Officer Conference Call Participants David Scharf – JMP Securities Mike Grondahl – Northland Securities Operator Good afternoon and welcome to OppFi's Second Quarter 2023 Earnings Conference Call. All participants are in a listen-only mode. As a reminder, this conference call ...

A Mission-Driven Fintech Platform that Helps Everyday Americans Gain Access to Credit with Specialty Finance Products Q2 2023 Earnings Presentation August 9, 2023 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, the Company makes no representation or warranty with respect ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 __________________________________________________________________ FORM 10-Q __________________________________________________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from________ ...

OppFi Inc. (NYSE:OPFI) Q1 2023 Earnings Conference Call May 11, 2023 4:30 PM ET Company Participants Shaun Smolarz - Head, Investor Relations Todd Schwartz - Chief Executive Officer & Executive Chairman Pam Johnson - Chief Financial Officer Conference Call Participants David Scharf - JMP Securities Operator Good afternoon and welcome to OppFi’s First Quarter 2023 Earnings Conference Call. All participants are in a listen-only mode. As a reminder, this conference call is being recorded. After management's pr ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 __________________________________________________________________ FORM 10-Q __________________________________________________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from_______ ...