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  "documentTitle": "OppFi | Results Presentation Deck | 23 slides",
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  "authorName": "OppFi",
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  "presentationDate": "2022-08-01 00:00:00",
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      "text": "1. For the three months ended June 30, 2022, addbacks and one-time expense of ($1.1 million) included a ($3.3 million) addback due to the change in fair value of the warrant liabilities, a $0.7 million expense\nrelated to severance and retention bonuses, a $0.5 million one-time origination fee expense and $1.0 million in expenses related to stock compensation. For the three months ended June 30, 2021, addbacks\nand one-time expenses of $5.1 million included a $3.3 million one-time warrant valuation expense, a $1.3 million expense related to one-time legal, accounting, and other costs related to the Company's\nbusiness combination, $0.2 million in expenses related to profit interest compensation, $0.2 million in management fees, and $0.1 million in severance.\n2. Assumes a tax rate of 25% for the three months ended June 30, 2021 and a 24.14% tax rate for the three months ended June 30, 2022, reflecting the U.S. federal statutory rate of 21% and a blended\nstatutory rate for state income taxes, in order to allow for a comparison with other publicly traded companies.\n3. For the periods prior to July 20, 2021, earnings per share was not calculated, as net income prior to the Business Combination was attributable entirely to OppFi-LLC.",
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      "text": "Three Months Ended June 30,\n2022\n2021\nVariance (%)\nNet income\n$ 9,497\n$ 17,987\n(47.2%)\nProvision for income taxes\n202\n-\n-\nDebt amortization\n435\n642\n(32.2%)\nOther addback and one-time expenses¹\n(1,145)\n5,135\n(122.3%)\nAdjusted EBT\n8,989\n23,764\n(62.2%)\nLess: pro forma taxes²\n(2,170)\n(5,941)\n(63.5%)\nAdjusted net income\n6,819\n17,823\n(61.7%)\nPro forma taxes2\n2,170\n5,941\n(63.5%)\nDepreciation and amortization\n3,366\n2,413\n39.5%\nInterest expense\n7,442\n5,744\n29.6%\nBusiness (non-income) taxes\n210\n357\n(41.2%)\nNet gain/loss on fixed asset sale\n2\n4\n(50.0%)\nAdjusted EBITDA\n$ 20,009\n$ 32,282\n(38.0%)\nAdjusted EPS3:\n$ 0.08\n$\n-\nWeighted average diluted shares outstanding:\n84,283,102",
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      "kind": "title",
      "text": "OppFi Quarterly Net Income to Adj. EBT, Adj. Net Income and Adj. EBITDA Reconciliation",
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