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  "presentationDate": "2023-11-01 00:00:00",
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      "text": "Note: Origination financing cost of capital represents the preferred return attributable to Invest in America Credit Fund 1 LLC investors.\nNote: See \"Footnotes\" section for detailed footnotes and definitions.",
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      "text": "($ millions) Net income (loss) (GAAP) FY 2021 Q4 2021 ($32.2) FY 2022 Q1 2022 ($10.0) Q2 2022 ($23.1) Q3 2022 ($21.0) Q4 2022 ($136.2) FY 2023 Q1 2023 ($9.2) Q2 2023 ($27.7) Q3 2023 ($4.1) Add back: Interest expense related to corporate debt 1.2 1.4 2.7 2.9 3.2 3.6 3.5 3.2 Income tax expense (benefit) 0.0 (28.4) 0.0 0.1 3.9 (0.0) (0.3) 0.4 Depreciation and amortization expense 0.9 3.4 6.0 6.2 6.1 6.2 6.1 6.1 Change in fair value of warrants (14.7) (3.9) (3.0) (0.4) (0.6) 0.1 (0.2) 0.1 Change in fair value of contingent consideration from M&A 10.8 4.7 (8.5) (10.2) (27.2) (0.2) (6.4) - Goodwill impairment loss - - - - 136.8 - 26.7 - Stock-based compensation 2.6 3.3 5.2 5.1 6.0 5.7 5.2 5.7 One-time expenses 2.8 4.8 2.0 3.1 2.5 1.2 2.2 2.0 Less: Origination financing cost of capital (3.4) - - - - - - - Adjusted EBITDA (non-GAAP) ($31.9) ($24.8) ($18.5) ($14.3) ($5.6) $7.3 $9.2 $13.4 Adjusted EBITDA Margin (57%) (36%) (21%) (16%) (6%) 8% 9% 12%",
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