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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 six months ended June 30, 2022, addbacks and one-time expense of ($1.3 million) included a ($5.7 million) addback due to the change in fair value of the warrant liabilities, $2.1 million in expenses related to severance and retention bonuses, $1.6 million in expenses related to stock compensation, a $0.5 million one-time origination fee expense, and $0.2 million in one-time legal expenses. For the six months ended June 30, 2021, addbacks and one-time expenses of $5.9 million included a $3.3 million one-time warrant valuation expense, a $1.6 million expense related to one-time legal, accounting, and other costs related to the Company's business combination, $0.4 million in expenses related to severance, $0.3 million in management fees, and $0.2 million in expenses related to profit interest compensation.\n2. Assumes a tax rate of 25% for the six months ended June 30, 2021 and a 24.08% tax rate for the six months ended June 30, 2022, reflecting the U.S. federal statutory rate of 21% and a blended statutory 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": "Six Months Ended June 30,\n2022\n2021\nVariance (%)\nNet income\n9,200\n42,371\n(78.3%)\nProvision for income taxes\n742\n-\n-\nDebt amortization\n1,044\n1,163\n(10.2%)\nOther addback and one-time expenses¹\n(1,269)\n5,902\n(121.5%)\nAdjusted EBT\n9,717\n49,436\n(80.3%)\nLess: pro forma taxes²\n(2,340)\n(12,359)\n(81.1%)\nAdjusted net income\n7,377\n37,077\n(80.1%)\nPro forma taxes²\n2,340\n12,359\n(81.1%)\nDepreciation and amortization\n6,604\n4,577\n44.3%\nInterest expense\n14,282\n9,830\n45.3%\nBusiness (non-income) taxes\n589\n792\n(25.6%)\nNet gain/loss on fixed asset sale\n2\n4\nAdjusted EBITDA\n31,194\n64,639\n(51.7%)\nAdjusted EPS³:\n0.09\n-\nWeighted average diluted shares outstanding:\n84,377,754",
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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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