Pamela D. Johnson

“As Todd noted, we had another quarter with record results. These are due in large part to the proprietary Model 6 credit software. Model 6 has helped us expand our reach and grow our business in a highly capital-efficient and profitable manner.”

“As Todd noted, we are off to a fantastic start to the year. These results build upon the improved results that OppFi has generated since 2023 and are also a result of the significant operating improvements made over that period.”

“Looking at the fourth quarter of 2024, we are pleased to report that the results reflect continued strong demand for loans, good credit performance and disciplined cost management.”

“For the third quarter, total revenue increased 2.6% to $136.6 million year-over-year with a 540 basis point improvement in average yield annualized to 133.9%.”

“For the second quarter, total revenue increased 3.1% year-over-year to $126.3 million with a 2.4% increase in total net originations to $205.5 million and a 600 basis point improvement in total revenue yield to 134.8%.”