OppFi Q3 2026 net income falls 54.6% to $34.5M

Higher charge-off rates accompanied lower quarterly earnings, while the company reduced the upper ends of its full-year 2026 guidance.

Rhea-AI Filing Summary

OppFi Inc. reported third-quarter 2026 revenue of $149.2 million, down 3.8% year over year, and net income of $34.5 million, down 54.6%. Adjusted net income was $31.6 million, down 22.5%, while diluted EPS was $0.40. Net charge-offs were 40.1% of revenue, compared with 35.1% a year earlier.

For the nine months ended September 30, 2026, revenue increased 1.9% to $446.3 million, and net income was $104.1 million, down 3.4%. Free cash flow was $107.5 million, up 62.8%. OppFi launched a new Line of Credit product, reported that all new customers now run through its LOLA application system, and repurchased $6.7 million of common stock during the quarter.

Full-year 2026 guidance is $600 million to $610 million in revenue, $115 million to $120 million in adjusted net income, and $1.34 to $1.40 in adjusted EPS, based on approximately 86 million weighted average diluted shares. The guidance ceilings were reduced from $625 million, $130 million, and $1.51, respectively.

1 point · 0 major

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Positive

• Moderate pointFree cash flow increased 62.8% to $107.5 million for the first nine months of 2026.

Negative

• Major pointNet income declined 54.6% to $34.5 million in the third quarter.
• Moderate pointAdjusted net income declined 22.5% to $31.6 million in the third quarter.
• Moderate pointNet charge-offs rose to 40.1% of revenue from 35.1% year over year.
• Moderate pointOperating cash flow declined 5.7% to $268.1 million for the first nine months.

Filing Explained

At September 30, 2026, OppFi reported $140.7 million in cash and restricted cash, of which $102.7 million was unrestricted, plus $198.5 million of unused debt capacity; its stated $690.7 million total funding capacity also includes financing commitments, so it is not all cash on hand.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Third-quarter total revenue: $149.2 million Third-quarter net income: $34.5 million Third-quarter adjusted net income: $31.6 million +5 more

8 metrics

Third-quarter total revenue $149.2 million Three months ended September 30, 2026; down 3.8% year over year

Third-quarter net income $34.5 million Three months ended September 30, 2026; down 54.6% year over year

Third-quarter adjusted net income $31.6 million Three months ended September 30, 2026; down 22.5% year over year

Net charge-offs as a percentage of total revenue 40.1% Three months ended September 30, 2026, compared with 35.1% in 2025

Free cash flow $107.5 million Nine months ended September 30, 2026; up 62.8% from 2025

Full-year 2026 revenue guidance $600 million to $610 million Full-year 2026 guidance

Full-year 2026 adjusted net income guidance $115 million to $120 million Full-year 2026 guidance

Full-year 2026 adjusted EPS guidance $1.34 to $1.40 Based on approximately 86 million weighted average diluted shares

Key Terms

Adjusted Net Income, Free cash flow, Net charge-offs, Ending receivables, +1 more

5 terms

Adjusted Net Income financial

"Adjusted Net Income is defined as Adjusted EBT"

Adjusted net income is a company's reported profit after removing unusual, one-time, or non-operational items so the number reflects the business’s regular earning power. Investors use it like a cleaned-up scorecard — similar to judging a player’s season performance without a few fluke games — to compare companies or assess trends without being misled by rare gains or losses that won’t affect future cash flow.

Free cash flow financial

"Free cash flow is defined as net cash provided by operating activities"

Free cash flow is the amount of money a company has left over after paying all its expenses and investing in its business, like buying equipment or updating facilities. It shows how much cash is available to reward shareholders, pay down debt, or save for future growth. This helps investors understand if a company is financially healthy and able to grow.

Net charge-offs financial

"Net charge-offs as a percentage of total revenue"

Net charge-offs are the amount of loans or credit a lender removes from its books as uncollectible after subtracting any money later recovered from previously written-off accounts. Think of it like a store writing off unpaid tabs but getting back a few dollars later — the net figure shows the real loss. Investors watch this to judge a lender’s loan quality, future profits and how much capital may be needed to cover bad debts.

Ending receivables financial

"Ending receivables are defined as the unpaid principal balances of loans"

Auto-approval rate technical

"Auto-approval rate is calculated by taking the number of approved loans"

Auto-approval rate is the percentage of requests, transactions, or claims that an automated system approves without human review. For investors, it signals how much a company relies on algorithms to speed operations and cut costs—like a vending machine that gives snacks instantly—but a very high rate can also mean greater risk of errors, fraud, customer complaints or regulatory trouble that could affect revenue and reputation.

Earnings Snapshot

Total revenue: $149.2 million · Guidance included

Third quarter ended September 30, 2026

Total revenue $149.2 million Down 3.8% year over year

Net income $34.5 million Down 54.6% year over year

Adjusted net income $31.6 million Down 22.5% year over year

Diluted EPS $0.40 Down 47.6% year over year

Guidance

Full-year 2026 guidance: total revenue of $600 million to $610 million; adjusted net income of $115 million to $120 million; and adjusted EPS of $1.34 to $1.40, based on approximately 86 million weighted average diluted shares. Guidance ceilings were reduced from $625 million, $130 million, and $1.51, respectively.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What were OPFI's third-quarter 2026 financial results?

OppFi reported $149.2 million in revenue and $34.5 million in net income for the third quarter ended September 30, 2026. Revenue declined 3.8% and net income declined 54.6% year over year; adjusted net income was $31.6 million, down 22.5%.

What is OPFI's full-year 2026 guidance?

OppFi's full-year 2026 guidance is $600 million to $610 million in revenue, $115 million to $120 million in adjusted net income, and $1.34 to $1.40 in adjusted EPS. The EPS range is based on approximately 86 million weighted average diluted shares; the guidance ceilings were reduced from $625 million, $130 million, and $1.51, respectively.

How much OPFI stock did the company repurchase?

OppFi repurchased $6.7 million of common stock during the third quarter. For the nine months ended September 30, 2026, it repurchased $17.9 million of Class A common stock at an average purchase price of $8.91 per share. The presentation states the repurchases were under a $40 million authorization.

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Available on EDGAR 10/28/2026 - 06:37 AM EDT Accepted by SEC EDGAR 10/27/2026 - 07:12 PM EDT Learn about SEC filing dates

0001818502FALSE00018185022026-10-282026-10-280001818502us-gaap:CommonClassAMember2026-10-282026-10-28

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

DATE OF REPORT (Date of earliest event reported): October 28, 2026

OppFi Inc.

(Exact Name of Registrant as Specified in its Charter)

Delaware			001-39550			85-1648122
(State or Other Jurisdiction of Incorporation)			(Commission File Number)			(IRS Employer Identification No.)

130 E. Randolph Street, Suite 3400

Chicago, Illinois 60601

(Address of Principal Executive Offices) (Zip Code)

Registrant’s telephone number, including area code: (312) 212-8079

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d- 2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e- 4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class			Trading Symbol			Name of Each Exchange on Which Registered
Class A common stock, par value $0.0001 per share			OPFI			The New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition.

On October 28, 2026, OppFi Inc. issued a press release announcing the financial results for the third quarter ended September 30, 2026. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference.

This information and the information contained in Exhibit 99.1 is furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as may be expressly set forth by specific reference in any such filing, regardless of any general incorporation language in the filing.

Item 7.01 Regulation FD Disclosure.

On October 28, 2026, OppFi Inc. issued an earnings presentation to accompany the press release. A copy of the earnings presentation is furnished as Exhibit 99.2 to this Current Report on Form 8-K and is incorporated herein by reference.

This information and the information contained in Exhibit 99.2 is furnished and shall not be deemed “filed” for purposes of Section 18 of the Exchange Act, or incorporated by reference in any filing under the Securities Act or the Exchange Act, except as may be expressly set forth by specific reference in any such filing, regardless of any general incorporation language in the filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

Exhibit Index

Exhibit Number						Description
99.1						Press Release dated October 28, 2026.
99.2						OppFi Inc. Presentation dated October 28, 2026.
104						Cover Page Interactive Data File (the cover page tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: October 28, 2026			OppFi Inc.
			By:			/s/ Pamela D. Johnson
						Pamela D. Johnson
						Chief Financial Officer

OppFi Reports Third Quarter 2026 Results Launched new Line of Credit product, representing a significant milestone in the expansion of OppFi's product suite Continued execution of product and pricing initiatives designed to expand addressable market opportunities and enhance customer choice Repurchased $6.7 million of common stock during the third quarter under the share repurchase program CHICAGO, October 28, 2026— OppFi Inc. (NYSE: OPFI) (“OppFi” or the “Company”), a tech-enabled digital finance platform that partners with banks to offer financial products and services to everyday Americans, today reported financial results for the third quarter ended September 30, 2026. “The strategic transformation of OppFi continued to gain momentum during the third quarter as we delivered strong execution across a number of priorities that we believe will drive our next phase of growth,” said Todd Schwartz, CEO and Executive Chairman. “From launching our line of credit product and advancing the migration to our LOLA platform, to progressing key product innovation initiatives, we are building a more diversified, technology- enabled financial platform designed to better serve customers across their financial journeys. We believe these initiatives will broaden our capabilities, strengthen our long-term earnings power, and position OppFi to create substantial long-term value.”

Financial Summary The following tables present a summary of OppFi’s results for the three and nine months ended September 30, 2026 and 2025 (in thousands, except per share data). Certain columns and rows may not sum due to the use of rounded numbers for disclosure purposes. Percentages presented are calculated from the underlying whole-dollar amounts. Three Months Ended September 30, Change (Unaudited) 2026 2025 % Total revenue(1) $ 149,230 $ 155,089 (3.8) % Net income $ 34,479 $ 75,933 (54.6) % Net income attributable to OppFi Inc. $ 34,479 $ 41,635 (17.2) % Adjusted net income(2) $ 31,559 $ 40,727 (22.5) % Basic EPS $ 0.41 $ 1.48 (72.6) % Diluted EPS(3) $ 0.40 $ 0.77 (47.6) % Adjusted EPS(2,3) $ 0.37 $ 0.46 (20.1) % (1) Total revenue is calculated as the sum of interest on finance receivables and other revenue. (2) Adjusted Net Income and Adjusted EPS are non-GAAP financial measures. See “Reconciliation of Non-GAAP Financial Measures” below for a detailed description and reconciliation of such non-GAAP financial measures to their most directly comparable GAAP financial measures. (3) Diluted EPS calculated on a GAAP basis excludes dilutive securities, including Class V Voting Stock, restricted stock units, performance stock units, and stock options in any periods in which their inclusion would have an antidilutive effect. Nine Months Ended September 30, Change (Unaudited) 2026 2025 % Total revenue(1) $ 446,281 $ 437,800 1.9 % Net income $ 104,129 $ 107,803 (3.4) % Net income attributable to OppFi Inc. $ 77,722 $ 9,483 719.6 % Adjusted net income(2) $ 90,363 $ 113,945 (20.7) % Basic EPS $ 1.29 $ 0.36 257.3 % Diluted EPS(3) $ 1.14 $ 0.36 214.0 % Adjusted EPS(2,3) $ 1.05 $ 1.29 (18.6) % (1) Total revenue is calculated as the sum of interest on finance receivables and other revenue. (2) Adjusted Net Income and Adjusted EPS are non-GAAP financial measures. See “Reconciliation of Non-GAAP Financial Measures” below for a detailed description and reconciliation of such non-GAAP financial measures to their most directly comparable GAAP financial measures. (3) Diluted EPS calculated on a GAAP basis excludes dilutive securities, including Class V Voting Stock, restricted stock units, performance stock units, and stock options in any periods in which their inclusion would have an antidilutive effect.

Key Performance Metrics The following tables represent key quarterly metrics as of and for the three and nine months ended September 30, 2026 and 2025 (in thousands, except percentage metrics). Three Months Ended September 30, Change (Unaudited) 2026 2025 % Total net originations(a) $ 229,348 $ 246,109 (6.8) % Total retained net originations(a) $ 190,671 $ 215,237 (11.4) % Ending receivables(b) $ 458,631 $ 481,037 (4.7) % Net charge-offs as % of total revenue(c) 40.1 % 35.1 % 14.2 % Net charge-offs as % of average receivables, annualized(c) 52.6 % 46.7 % 12.7 % Average yield, annualized(d) 131.4 % 133.2 % (1.3) % Auto-approval rate(e) 80.1 % 79.1 % 1.2 % (a) Total net originations are defined as gross originations net of transferred balance on refinanced loans, while total retained net originations are defined as the portion of total net originations with respect to which the Company ultimately purchased a receivable from bank partners. (b) Ending receivables are defined as the unpaid principal balances of loans at the end of the reporting period. (c) Net charge-offs as a percentage of total revenue and net charge-offs as a percentage of average receivables represent total charge-offs from the period less recoveries as a percentage of total revenue and as a percentage of average receivables. Net charge-offs as a percentage of average receivables is presented as an annualized metric. Finance receivables are charged off at the earlier of the time when accounts reach 90 days past due on a recency basis, when OppFi receives notification of a customer bankruptcy or is otherwise deemed uncollectible. (d) Average yield is defined as total revenue from the period as a percent of average receivables and is presented as an annualized metric. (e) Auto-approval rate is calculated by taking the number of approved loans that are not decisioned by a loan processor or underwriter (auto- approval) divided by the total number of loans approved. Nine Months Ended September 30, Change (Unaudited) 2026 2025 % Total net originations(a) $ 617,360 $ 669,150 (7.7) % Total retained net originations(a) $ 518,881 $ 589,905 (12.0) % Ending receivables(b) $ 458,631 $ 481,037 (4.7) % Net charge-offs as % of total revenue(c) 40.7 % 33.9 % 20.0 % Net charge-offs as % of average receivables, annualized(c) 53.2 % 45.5 % 16.9 % Average yield, annualized(d) 130.8 % 134.3 % (2.6) % Auto-approval rate(e) 80.2 % 79.2 % 1.3 % (a) Total net originations are defined as gross originations net of transferred balance on refinanced loans, while total retained net originations are defined as the portion of total net originations with respect to which the Company ultimately purchased a receivable from bank partners. (b) Ending receivables are defined as the unpaid principal balances of loans at the end of the reporting period. (c) Net charge-offs as a percentage of total revenue and net charge-offs as a percentage of average receivables represent total charge-offs from the period less recoveries as a percentage of total revenue and as a percentage of average receivables. Net charge-offs as a percentage of average receivables is presented as an annualized metric. Finance receivables are charged off at the earlier of the time when accounts reach 90 days past due on a recency basis, when OppFi receives notification of a customer bankruptcy or is otherwise deemed uncollectible. (d) Average yield is defined as total revenue from the period as a percent of average receivables and is presented as an annualized metric. (e) Auto-approval rate is calculated by taking the number of approved loans that are not decisioned by a loan processor or underwriter (auto- approval) divided by the total number of loans approved.

Share Repurchase Program During the nine months ended September 30, 2026, OppFi repurchased $17.9 million of its Class A common stock at an average purchase price of $8.91 per share. Full Year 2026 Guidance Update OppFi is refining its full year 2026 guidance as follows: • Total revenue between $600 million and $610 million; • Adjusted net income1 between $115 million and $120 million; and • Adjusted EPS1 between $1.34 and $1.40, based on an approximate weighted average diluted share count of 86 million shares (1) Non-GAAP Financial Measures: Adjusted Net Income and Adjusted EPS are non-GAAP financial measures. See “Reconciliation of Non- GAAP Financial Measures” below for a detailed description and reconciliation of such non-GAAP financial measures to their most directly comparable GAAP financial measures. A reconciliation of projected full year 2026 Adjusted Net Income and Adjusted EPS to the most directly comparable GAAP financial measures is not included in this press release because, without unreasonable efforts, the Company is unable to predict with reasonable certainty the amount or timing of non-GAAP adjustments that are used to calculate these measures. Conference Call Management will host a conference call today at 8:30 a.m. ET to discuss OppFi’s financial results and business outlook. The webcast of the conference call will be made available on the Investor Relations page of the Company’s website. The conference call can also be accessed with the following dial-in information: • Domestic: (833) 354-6854 • International: (785) 838-9343 • Conference ID: OPPFI An archived version of the webcast will be available on OppFi’s website. About OppFi OppFi (NYSE: OPFI) is a tech-enabled digital finance platform that partners with banks to offer financial products and services to everyday Americans. Through this transparent and responsible platform, which emphasizes financial inclusion and exceptional customer experience, the Company assists consumers who are underserved by traditional financing options in building improved financial health. OppLoans by OppFi maintains a 4.4/5.0 star rating on Trustpilot based on over 5,800 reviews, positioning the Company among the top consumer-rated financial platforms online. OppFi also holds a 35% equity interest in Bitty Holdings, LLC (“Bitty”), a credit access company that provides revenue-based financing and other working capital solutions to small businesses. For additional information, please visit oppfi.com. Important Additional Information and Where to Find It In connection with the proposed transaction between OppFi and BNCCORP, Inc. (“BNCC”), OppFi has filed with the U.S. Securities and Exchange Commission (the “SEC”) a registration statement on Form S-4 (File No. 333-297733) (the “registration statement”), which includes a proxy statement of BNCC and a prospectus of OppFi (the “proxy statement/prospectus”), and OppFi may file with the SEC other relevant documents regarding the proposed transaction. INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE REGISTRATION STATEMENT AND THE PROXY STATEMENT/PROSPECTUS CAREFULLY AND IN THEIR ENTIRETY AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC BY OPPFI, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY CONTAIN OR WILL CONTAIN IMPORTANT INFORMATION ABOUT OPPFI, BNCC, BNC NATIONAL BANK AND THE PROPOSED TRANSACTION. A definitive copy of the proxy statement/prospectus has been mailed to stockholders of BNCC. Investors and security holders will be able to obtain the registration statement and

the proxy statement/prospectus, as well as other filings containing information about OppFi, free of charge from OppFi or from the SEC’s website. The documents filed by OppFi with the SEC may be obtained free of charge at OppFi’s website, at https://investors.oppfi.com/financials/sec-filings/default.aspx, or by requesting them by mail at 130 E. Randolph Street, Suite 3400, Chicago, IL 60601 or by email at corporate.secretary@oppfi.com. Contacts: Investor Relations: investors@oppfi.com Media Relations: media@oppfi.com Forward-Looking Statements This press release includes “forward-looking statements” within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. OppFi’s actual results may differ from its expectations, estimates and projections and consequently, you should not rely on these forward-looking statements as predictions of future events. Words such as “expect,” “estimate,” “project,” “budget,” “forecast,” “opportunity,” “anticipate,” “intend,” “plan,” “may,” “will,” “could,” “should,” “believes,” “predicts,” “potential,” “possible,” “continue,” “positions,” and similar expressions may identify forward-looking statements, but the absence of these words does not mean that a statement is not forward-looking. These forward-looking statements include, without limitation, OppFi’s expectations with respect to its full year 2026 guidance, the future performance of OppFi’s platform and underwriting models, the anticipated performance of its recently launched line of credit product, the expected benefits of its ongoing migration to the LOLA platform, statements regarding OppFi’s proposed acquisition of BNCC, including the anticipated timing, structure, benefits and strategic rationale of the transaction, OppFi’s expectations with respect to the geographic expansion and product diversification that may come from the acquisition, and expectations for OppFi’s growth and future financial performance. These forward-looking statements are based on OppFi’s current expectations and assumptions about future events and are based on currently available information as to the outcome and timing of future events. These forward-looking statements involve significant risks and uncertainties that could cause the actual results to differ materially from the expected results. Most of these factors are outside OppFi’s control and are difficult to predict. Factors that may cause such differences include, but are not limited to, the impact of general economic conditions, including economic slowdowns, inflation, interest rate changes, recessions, the impact of tariffs, and tightening of credit markets on OppFi’s business; the impact of challenging macroeconomic and marketplace conditions; the impact of stimulus or other government programs; risks related to the proposed acquisition of BNCC including the risk that the transactions may not be completed in a timely manner or at all, the failure to satisfy closing conditions or obtain required regulatory approvals, the impact of the transaction on OppFi’s governance structure, integration or execution challenges, and adverse reactions from customers or stockholders; whether OppFi will be successful in obtaining declaratory relief against the Commissioner of the Department of Financial Protection and Innovation for the State of California; whether OppFi will be subject to AB 539; whether OppFi’s bank partners will continue to lend in California and whether OppFi’s financing sources will continue to finance the purchase of participation rights in loans originated by OppFi’s bank partners in California; OppFi’s ability to scale and grow the Bitty business; the impact that events involving financial institutions or the financial services industry generally, such as actual concerns or events involving liquidity, defaults, or non-performance, may have on OppFi’s business; risks related to any material weakness in OppFi’s internal controls over financial reporting; the ability of OppFi to grow and manage growth profitably and retain its key employees; risks related to new products; the implementation and migration of technology platforms; risks related to evaluating and potentially consummating acquisitions; concentration risk; risks related to OppFi’s ability to comply with various covenants in its corporate and warehouse credit facilities; risks related to potential litigation; changes in applicable laws or regulations, including, but not limited to, impacts from the One Big Beautiful Bill Act; the possibility that OppFi may be adversely affected by other economic, business, and/or competitive factors; and other risks and uncertainties indicated from time to time in OppFi’s filings with the United States Securities and Exchange Commission, in particular, contained in the section captioned “Risk Factors.” OppFi cautions that the foregoing list of factors is not exclusive, and readers should not place undue reliance upon any forward-looking statements, which speak only as of the date made. OppFi does not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-

looking statements to reflect any change in its expectations or any change in events, conditions or circumstances on which any such statement is based. Non-GAAP Financial Measures This press release includes certain non-GAAP financial measures that are unaudited and do not conform to GAAP, such as Adjusted EBT, Adjusted Net Income, and Adjusted EPS. Adjusted EBT is defined as Net Income, adjusted for (1) income tax expense; (2) change in fair value of warrant liabilities; (3) other adjustments, net; and (4) other income. Adjusted Net Income is defined as Adjusted EBT as defined above, adjusted for taxes assuming a tax rate for each period presented that reflects 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. Adjusted EPS is defined as Adjusted Net Income as defined above, divided by weighted average diluted shares outstanding, which represents shares of both classes of common stock outstanding and includes the impact of dilutive securities, such as restricted stock units, performance stock units, and stock options. These non-GAAP financial measures have not been prepared in accordance with accounting principles generally accepted in the United States and may be different from non-GAAP financial measures used by other companies. OppFi believes that the use of these non-GAAP financial measures provides an additional tool for investors to use in evaluating ongoing operating results and trends. These non-GAAP measures with comparable names should not be considered in isolation from, or as an alternative to, financial measures determined in accordance with GAAP. See “Reconciliation of Non-GAAP Financial Measures” below for reconciliations for OppFi’s non-GAAP financial measures to the most directly comparable GAAP financial measures.

Consolidated Statements of Operations The following tables present consolidated statements of operations for the three and nine months ended September 30, 2026 and 2025 (in thousands, except share and per share data). Certain columns and rows may not sum due to the use of rounded numbers for disclosure purposes. Percentages presented are calculated from the underlying whole-dollar amounts. Three Months Ended September 30, Change (Unaudited) 2026 2025 $ % Revenue: Interest on finance receivables $ 147,652 $ 153,706 $ (6,054) (3.9) % Other revenue 1,578 1,383 195 14.1 149,230 155,089 (5,859) (3.8) Change in fair value of finance receivables (56,476) (50,532) (5,944) 11.8 Net revenue 92,754 104,557 (11,803) (11.3) Expenses: Direct marketing costs 13,044 14,514 (1,470) (10.1) Salaries and employee benefits 12,718 14,513 (1,795) (12.4) Interest expense and amortized debt issuance costs 8,659 10,079 (1,420) (14.1) Professional fees 7,538 6,100 1,438 23.6 Technology costs 3,934 3,131 803 25.6 Depreciation and amortization 1,945 1,133 812 71.7 Payment processing fees 1,675 1,712 (37) (2.2) Occupancy 985 1,030 (45) (4.4) General, administrative and other 5,212 3,900 1,312 33.6 Total expenses 55,710 56,112 (402) (0.7) Income from operations 37,044 48,445 (11,401) (23.5) Other income: Change in fair value of warrant liabilities 2,842 31,688 (28,846) (91.0) Income from equity method investment 774 1,365 (591) (43.3) Other income 86 82 4 4.9 Income before income taxes 40,746 81,580 (40,834) (50.1) Income tax expense 6,267 5,647 620 11.0 Net income 34,479 75,933 (41,454) (54.6) Less: net income attributable to noncontrolling interest — 34,298 (34,298) (100.0) Net income attributable to OppFi Inc. $ 34,479 $ 41,635 $ (7,156) (17.2) % Earnings per common share attributable to OppFi Inc.: Earnings per common share: Basic $ 0.41 $ 1.48 Diluted $ 0.40 $ 0.77 Weighted average common shares outstanding: Basic 85,066,885 28,163,404 Diluted 85,571,877 88,236,591

Nine Months Ended September 30, Change (Unaudited) 2026 2025 $ % Revenue: Interest on finance receivables $ 441,904 $ 433,968 $ 7,936 1.8 % Other revenue 4,377 3,832 545 14.2 446,281 437,800 8,481 1.9 Change in fair value of finance receivables (180,058) (142,187) (37,871) 26.6 Net revenue 266,223 295,613 (29,390) (9.9) Expenses: Salaries and employee benefits 43,266 46,045 (2,779) (6.0) Direct marketing costs 34,832 36,692 (1,860) (5.1) Professional fees 28,415 15,091 13,324 88.3 Interest expense and amortized debt issuance costs 25,294 29,965 (4,671) (15.6) Technology costs 10,788 9,474 1,314 13.9 Payment processing fees 4,967 4,869 98 2.0 Depreciation and amortization 4,045 4,395 (350) (8.0) Occupancy 2,843 3,099 (256) (8.3) General, administrative and other 15,012 10,238 4,774 46.6 Total expenses 169,462 159,868 9,594 6.0 Income from operations 96,761 135,745 (38,984) (28.7) Other income (expense): Change in fair value of warrant liabilities 24,338 (23,223) 47,561 204.8 Income from equity method investment 2,707 3,562 (855) (24.0) Other income 405 241 164 68.1 Income before income taxes 124,211 116,325 7,886 6.8 Income tax expense 20,082 8,522 11,560 135.7 Net income 104,129 107,803 (3,674) (3.4) Less: net income attributable to noncontrolling interest 26,407 98,320 (71,913) (73.1) Net income attributable to OppFi Inc. $ 77,722 $ 9,483 $ 68,239 719.6 % Earnings per common share attributable to OppFi Inc.: Earnings per common share: Basic $ 1.29 $ 0.36 Diluted $ 1.14 $ 0.36 Weighted average common shares outstanding: Basic 60,027,387 26,168,321 Diluted 85,933,941 26,168,321

Condensed Consolidated Balance Sheets The following table presents consolidated balance sheets as of September 30, 2026 and December 31, 2025 (in thousands). Certain columns and rows may not sum due to the use of rounded numbers for disclosure purposes. Percentages presented are calculated from the underlying whole-dollar amounts. (Unaudited) September 30, December 31, Change 2026 2025 $ % Assets Cash and restricted cash $ 140,673 $ 93,263 $ 47,410 50.8 % Finance receivables at fair value 518,884 546,236 (27,352) (5.0) Equity method investment 20,348 19,076 1,272 6.7 Other assets 162,495 95,515 66,980 70.1 Total assets $ 842,400 $ 754,090 $ 88,310 11.7 % Liabilities and stockholders’ equity Accounts payable and accrued expenses $ 37,406 $ 46,171 $ (8,765) (19.0) % Total debt 349,639 321,353 28,286 8.8 Warrant liabilities 2,117 26,455 (24,338) (92.0) Other liabilities 9,915 51,235 (41,320) (80.6) Total liabilities 399,077 445,214 (46,137) (10.4) Total stockholders’ equity 443,323 308,876 134,447 43.5 Total liabilities and stockholders’ equity $ 842,400 $ 754,090 $ 88,310 11.7 % Condensed Consolidated Statement of Cash Flows The following table presents the consolidated statement of cash flows for the nine months ended September 30, 2026 and 2025 (in thousands). Certain columns and rows may not sum due to the use of rounded numbers for disclosure purposes. Percentages presented are calculated from the underlying whole-dollar amounts. Nine Months Ended September 30, Change (Unaudited) 2026 2025 $ % Net cash provided by operating activities $ 268,129 $ 284,481 $ (16,352) (5.7) % Net cash used in investing activities (160,606) (218,419) 57,813 (26.5) Net cash used in financing activities (60,113) (79,157) 19,044 (24.1) Net increase (decrease) in cash and restricted cash $ 47,410 $ (13,095) $ 60,505 462.0 %

Financial Capacity and Capital Resources As of September 30, 2026, OppFi had $102.7 million in unrestricted cash, an increase of $53.2 million from December 31, 2025. As of September 30, 2026, OppFi had an additional $198.5 million of unused debt capacity under its financing facilities for future availability, representing a 36% overall undrawn capacity, a decrease from $203.6 million as of December 31, 2025. The decrease in undrawn debt was driven primarily by the termination of the Gray Rock SPV LLC revolving line of credit. Including total financing commitments of $550.0 million and cash and restricted cash on the balance sheet of $140.7 million, OppFi had approximately $690.7 million in funding capacity as of September 30, 2026. Reconciliation of Non-GAAP Financial Measures The following tables present reconciliations of non-GAAP financial measures for the three and nine months ended September 30, 2026 and 2025 (in thousands, except share and per share data). Certain columns and rows may not sum due to the use of rounded numbers for disclosure purposes. Percentages presented are calculated from the underlying whole-dollar amounts. Adjusted EBT and Adjusted Net Income Comparison of the three months ended September 30, 2026 and 2025 Three Months Ended September 30, Change (Unaudited) 2026 2025 $ % Net income $ 34,479 $ 75,933 $ (41,454) (54.6) % Income tax expense 6,267 5,647 620 11.0 Other income (86) (82) (4) 4.9 Change in fair value of warrant liabilities (2,842) (31,688) 28,846 (91.0) Other adjustments, net(a) 3,691 3,393 298 8.8 Adjusted EBT 41,509 53,203 (11,694) (22.0) Less: pro forma taxes(b) 9,950 12,476 (2,526) (20.2) Adjusted net income $ 31,559 $ 40,727 $ (9,168) (22.5) % Adjusted earnings per share $ 0.37 $ 0.46 Weighted average diluted shares outstanding 85,571,877 88,236,591 (a) For the three months ended September 30, 2026, other adjustments, net of $3.7 million included $1.8 million in expenses related to the proposed acquisition of BNCC (the “Transaction”), $1.6 million in expenses related to stock compensation, and $0.3 million in expenses related to severance. For the three months ended September 30, 2025, other adjustments, net of $3.4 million included $1.9 million in expenses related to stock compensation, $1.0 million in expenses related to corporate development, $0.4 million in expenses related to legal matters, and $0.1 million in expenses related to severance. The sum of the individual components of other adjustments, net may not equal the total presented due to the use of rounded numbers for disclosure purposes. (b) Assumes a tax rate of 23.97% for the three months ended September 30, 2026 and 23.45% for the three months ended September 30, 2025, reflecting the U.S. federal statutory rate of 21% and a blended statutory rate for state income taxes.

Comparison of the nine months ended September 30, 2026 and 2025 Nine Months Ended September 30, Change (Unaudited) 2026 2025 $ % Net income $ 104,129 $ 107,803 $ (3,674) (3.4) % Income tax expense 20,082 8,522 11,560 135.7 Other income (405) (241) (164) 68.1 Change in fair value of warrant liabilities (24,338) 23,223 (47,561) (204.8) Other adjustments, net(a) 19,385 9,544 9,841 103.1 Adjusted EBT 118,853 148,851 (29,998) (20.2) Less: pro forma taxes(b) 28,490 34,906 (6,416) (18.4) Adjusted net income $ 90,363 $ 113,945 $ (23,582) (20.7) % Adjusted earnings per share $ 1.05 $ 1.29 Weighted average diluted shares outstanding 85,933,941 88,218,365 (a) For the nine months ended September 30, 2026, other adjustments, net of $19.4 million included $10.6 million in expenses related to the Transaction and the series of transactions which resulted in OppFi becoming the sole owner of OppFi-LLC and the termination of the Tax Receivable Agreement (the "Corporate Simplification"), $6.4 million in expenses related to stock compensation, $1.9 million in expenses related to severance, and $0.5 million in expenses related to legal matters. For the nine months ended September 30, 2025, other adjustments, net of $9.5 million included $8.3 million in expenses related to stock compensation, $1.0 million in expenses related to corporate development, $0.9 million in expenses related to legal matters, $0.7 million in expenses related to severance, and $0.2 million in expenses related to an adjustment to the Company’s outstanding lease obligations, partially offset by a $1.4 million addback related to the partial forgiveness of remaining expenses related to OppFi Card’s exit activities. The sum of the individual components of other adjustments, net may not equal the total presented due to the use of rounded numbers for disclosure purposes. (b) Assumes a tax rate of 23.97% for the nine months ended September 30, 2026 and 23.45% for the nine months ended September 30, 2025, reflecting the U.S. federal statutory rate of 21% and a blended statutory rate for state income taxes.

Adjusted Earnings Per Share Comparison of the three months ended September 30, 2026 and 2025 Three Months Ended September 30, (Unaudited) 2026 2025 Weighted average Class A common stock outstanding 85,066,885 28,163,404 Weighted average Class V voting stock outstanding — 58,852,443 Dilutive impact of restricted stock units 361,279 969,852 Dilutive impact of performance stock units — 31,906 Dilutive impact of stock options 143,713 218,986 Weighted average diluted shares outstanding 85,571,877 88,236,591 Three Months Ended September 30, (In thousands, except share and per share data) 2026 2025 (Unaudited) $ Per Share $ Per Share Weighted average diluted shares outstanding 85,571,877 88,236,591 Net income $ 34,479 $ 0.40 $ 75,933 $ 0.86 Income tax expense 6,267 0.07 5,647 0.06 Other income (86) — (82) — Change in fair value of warrant liabilities (2,842) (0.03) (31,688) (0.36) Other adjustments, net(a) 3,691 0.04 3,393 0.04 Adjusted EBT 41,509 0.49 53,203 0.60 Less: pro forma taxes(b) 9,950 0.12 12,476 0.14 Adjusted net income $ 31,559 $ 0.37 $ 40,727 $ 0.46 (a) For the three months ended September 30, 2026, other adjustments, net of $3.7 million included $1.8 million in expenses related to the Transaction, $1.6 million in expenses related to stock compensation, and $0.3 million in expenses related to severance. For the three months ended September 30, 2025, other adjustments, net of $3.4 million included $1.9 million in expenses related to stock compensation, $1.0 million in expenses related to corporate development, $0.4 million in expenses related to legal matters, and $0.1 million in expenses related to severance. The sum of the individual components of other adjustments, net may not equal the total presented due to the use of rounded numbers for disclosure purposes. (b) Assumes a tax rate of 23.97% for the three months ended September 30, 2026 and 23.45% for the three months ended September 30, 2025, reflecting the U.S. federal statutory rate of 21% and a blended statutory rate for state income taxes.

Comparison of the nine months ended September 30, 2026 and 2025 Nine Months Ended September 30, (Unaudited) 2026 2025 Weighted average Class A common stock outstanding 60,027,387 26,168,321 Weighted average Class V voting stock outstanding 25,275,155 60,590,252 Dilutive impact of restricted stock units 477,232 1,205,261 Dilutive impact of performance stock units 5,421 45,237 Dilutive impact of stock options 148,746 209,294 Weighted average diluted shares outstanding 85,933,941 88,218,365 Nine Months Ended September 30, (In thousands, except share and per share data) 2026 2025 (Unaudited) $ Per Share $ Per Share Weighted average diluted shares outstanding 85,933,941 88,218,365 Net income $ 104,129 $ 1.21 $ 107,803 $ 1.22 Income tax expense 20,082 0.23 8,522 0.10 Other income (405) — (241) — Change in fair value of warrant liabilities (24,338) (0.28) 23,223 0.26 Other adjustments, net(a) 19,385 0.23 9,544 0.11 Adjusted EBT 118,853 1.38 148,851 1.69 Less: pro forma taxes(b) 28,490 0.33 34,906 0.40 Adjusted net income $ 90,363 $ 1.05 $ 113,945 $ 1.29 (a) For the nine months ended September 30, 2026, other adjustments, net of $19.4 million included $10.6 million in expenses related to the Transaction and the Corporate Simplification, $6.4 million in expenses related to stock compensation, $1.9 million in expenses related to severance, and $0.5 million in expenses related to legal matters. For the nine months ended September 30, 2025, other adjustments, net of $9.5 million included $8.3 million in expenses related to stock compensation, $1.0 million in expenses related to corporate development, $0.9 million in expenses related to legal matters, $0.7 million in expenses related to severance, and $0.2 million in expenses related to an adjustment to the Company’s outstanding lease obligations, partially offset by a $1.4 million addback related to the partial forgiveness of remaining expenses related to OppFi Card’s exit activities. The sum of the individual components of other adjustments, net may not equal the total presented due to the use of rounded numbers for disclosure purposes. (b) Assumes a tax rate of 23.97% for the nine months ended September 30, 2026 and 23.45% for the nine months ended September 30, 2025, reflecting the U.S. federal statutory rate of 21% and a blended statutory rate for state income taxes.

Q3 2026 Earnings Presentation October 28, 2026

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 to the accuracy of such information. Trademarks and trade names referred to in this Presentation are the property of their respective owners. The information contained herein does not purport to be all-inclusive. This Presentation does not constitute investment, tax, or legal advice. No representation or warranty, express or implied, is or will be given by the Company or any of its respective affiliates, directors, officers, employees or advisers or any other person as to the accuracy or completeness of the information in this Presentation, and no responsibility or liability whatsoever is accepted for the accuracy or sufficiency thereof or for any errors, omissions or misstatements, negligent or otherwise, relating thereto. The information contained in this Presentation is preliminary in nature and is subject to change, and any such changes may be material. The Company disclaims any duty to update the information contained in this Presentation, which information is given only as of the date of this Presentation unless otherwise stated herein. Forward-Looking Statements This Presentation includes “forward-looking statements” within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. OppFi’s actual results may differ from its expectations, estimates and projections and consequently, you should not rely on these forward-looking statements as predictions of future events. Words such as “expect,” “estimate,” “project,” “budget,” “forecast,” “opportunity,” “anticipate,” “intend,” “plan,” “may,” “will,” “could,” “should,” “believes,” “predicts,” “potential,” “possible,” “continue,” “positions,” and similar expressions may identify forward-looking statements, but the absence of these words does not mean that a statement is not forward-looking. These forward-looking statements include, without limitation, OppFi’s expectations with respect to its full year 2026 guidance, the future performance of OppFi’s platform and underwriting models, the anticipated performance of its recently launched line of credit product, the expected benefits of its ongoing migration to the LOLA platform, statements regarding OppFi’s proposed acquisition of BNCC, including the anticipated timing, structure, benefits and strategic rationale of the transaction, OppFi’s expectations with respect to the geographic expansion and product diversification that may come from the acquisition, and expectations for OppFi’s growth and future financial performance. These forward-looking statements are based on OppFi’s current expectations and assumptions about future events and are based on currently available information as to the outcome and timing of future events. These forward-looking statements involve significant risks and uncertainties that could cause the actual results to differ materially from the expected results. Most of these factors are outside OppFi’s control and are difficult to predict. Factors that may cause such differences include, but are not limited to, the impact of general economic conditions, including economic slowdowns, inflation, interest rate changes, recessions, the impact of tariffs, and tightening of credit markets on OppFi’s business; the impact of challenging macroeconomic and marketplace conditions; the impact of stimulus or other government programs; risks related to the proposed acquisition of BNCC including the risk that the transactions may not be completed in a timely manner or at all, the failure to satisfy closing conditions or obtain required regulatory approvals, the impact of the transaction on OppFi’s governance structure, integration or execution challenges, and adverse reactions from customers or stockholders; whether OppFi will be successful in obtaining declaratory relief against the Commissioner of the Department of Financial Protection and Innovation for the State of California; whether OppFi will be subject to AB 539; whether OppFi’s bank partners will continue to lend in California and whether OppFi’s financing sources will continue to finance the purchase of participation rights in loans originated by OppFi’s bank partners in California; OppFi’s ability to scale and grow the Bitty business; the impact that events involving financial institutions or the financial services industry generally, such as actual concerns or events involving liquidity, defaults, or non-performance, may have on OppFi’s business; risks related to any material weakness in OppFi’s internal controls over financial reporting; the ability of OppFi to grow and manage growth profitably and retain its key employees; risks related to new products; the implementation and migration of technology platforms; risks related to evaluating and potentially consummating acquisitions; concentration risk; risks related to OppFi’s ability to comply with various covenants in its corporate and warehouse credit facilities; risks related to potential litigation; changes in applicable laws or regulations, including, but not limited to, impacts from the One Big Beautiful Bill Act; the possibility that OppFi may be adversely affected by other economic, business, and/or competitive factors; and other risks and uncertainties indicated from time to time in OppFi’s filings with the United States Securities and Exchange Commission, in particular, contained in the section captioned “Risk Factors.” OppFi cautions that the foregoing list of factors is not exclusive, and readers should not place undue reliance upon any forward-looking statements, which speak only as of the date made. OppFi does not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements to reflect any change in its expectations or any change in events, conditions or circumstances on which any such statement is based. Non-GAAP Financial Measures This Presentation includes certain non-GAAP financial measures that are unaudited and do not conform to GAAP, such as Adjusted EBT, Adjusted Net Income and margin thereof, Adjusted EPS, and Free Cash Flow. Adjusted EBT is defined as Net Income, adjusted for (1) income tax expense; (2) change in fair value of warrant liabilities; (3) other adjustments, net; and (4) other income. Adjusted Net Income is defined as Adjusted EBT as defined above, adjusted for taxes assuming a tax rate for each period presented that reflects 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. Adjusted Net Income Margin is defined as Adjusted Net Income as defined above divided by Total Revenue. Adjusted EPS is defined as Adjusted Net Income as defined above, divided by weighted average diluted shares outstanding, which represents shares of both classes of common stock outstanding and includes the impact of dilutive securities, such as restricted stock units, performance stock units, and stock options. Free Cash Flow is defined as net cash provided by operating activities minus net cash used in investing activities. These non-GAAP financial measures have not been prepared in accordance with accounting principles generally accepted in the United States and may be different from non-GAAP financial measures used by other companies. OppFi believes that the use of these non-GAAP financial measures provides an additional tool for investors to use in evaluating ongoing operating results and trends. These non-GAAP measures with comparable names should not be considered in isolation from, or as an alternative to, financial measures determined in accordance with GAAP. See “Reconciliation of Non-GAAP Financial Measures” below for reconciliations for OppFi’s non-GAAP financial measures to the most directly comparable GAAP financial measures. A reconciliation of projected full year 2026 Adjusted Net Income and Adjusted EPS to the most directly comparable GAAP financial measures is not included in this Presentation because, without unreasonable efforts, the Company is unable to predict with reasonable certainty the amount or timing of non-GAAP adjustments that are used to calculate these measures. Important Additional Information and Where to Find It In connection with the proposed transaction between OppFi and BNCCORP, Inc. (“BNCC”), OppFi has filed with the U.S. Securities and Exchange Commission (the “SEC”) a registration statement on Form S-4 (File No. 333-297733) (the “registration statement”), which includes a proxy statement of BNCC and a prospectus of OppFi (the “proxy statement/prospectus”), and OppFi may file with the SEC other relevant documents regarding the proposed transaction. INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE REGISTRATION STATEMENT AND THE PROXY STATEMENT/PROSPECTUS CAREFULLY AND IN THEIR ENTIRETY AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC BY OPPFI, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY CONTAIN OR WILL CONTAIN IMPORTANT INFORMATION ABOUT OPPFI, BNCC, BNC NATIONAL BANK AND THE PROPOSED TRANSACTION. A definitive copy of the proxy statement/prospectus has been mailed to stockholders of BNCC. Investors and security holders will be able to obtain the registration statement and the proxy statement/prospectus, as well as other filings containing information about OppFi, free of charge from OppFi or from the SEC’s website. The documents filed by OppFi with the SEC may be obtained free of charge at OppFi’s website, at https://investors.oppfi.com/financials/sec-filings/default.aspx, or by requesting them by mail at 130 E. Randolph Street, Suite 3400, Chicago, IL 60601 or by email at corporate.secretary@oppfi.com. Website This Presentation contains reproductions and references to the Company’s website and mobile content. Website and mobile content are not incorporated into this Presentation. Any references to URLs for the websites are intended to be inactive textual references only. Disclaimer 2

Q3 2026 Highlights Launched new Line of Credit product, representing a significant milestone in the expansion of OppFi's product suite Repurchased $6.7 million of common stock under $40 million authorization, reflecting confidence in long-term earnings potential Strong balance sheet with $140.7 million of unrestricted and restricted cash at quarter end All new customers now run through LOLA, OppFi’s new application system Net Income of $34.5 million and Diluted EPS of $0.40, and Adjusted Net Income1 of $31.6 million and Adjusted EPS1 of $0.37 Recoveries of previously charged-off loans of $15.2 million, an increase of 38% year over year 1. Adjusted Net Income and Adjusted EPS are non-GAAP financial measures. See the disclaimer on “Non-GAAP Financial Measures” on slide 2 for a detailed description of such non-GAAP financial measures and the appendix for a reconciliation of such non-GAAP financial measures to their most directly comparable GAAP financial measures.

4 A tech-enabled digital finance platform that partners with banks to offer financial products and services for everyday Americans. At-A-Glance 1. For Q3 2026 at the time of loan approval. 2. Based on 19.0 million underbanked households and average household size of 2.51. Federal Deposit Insurance Corporation (FDIC), 2023 FDIC National Survey of Unbanked and Underbanked Households (November 2024); U.S. Census Bureau, “Average Number of People per Household, by Race and Hispanic Origin, Marital Status, Age, and Education of Householder: 2023”, Table AVG1, November 2023 3. Based on 36.2 million small businesses in the United States, U.S. Small Business Administration 2025 Small Business Profile. 59% of small businesses applied for financing in 2024 and 59% of those did not receive the full amount of financing sought, 2025 Report on Employer Firms: Findings from the 2024 Small Business Credit Survey, Federal Reserve Bank 4. As of September 30, 2026. 5. 2015-2025. Mission-driven Platform Significant Economic Scale Strong Fundamentals and Balance Sheet Providing best-in-class products and customer service with a 71 NPS Score1 Profitable Across Business Cycles Large Addressable Market Facilitated more than $9.6 billion in gross loan issuance covering over 5.1 million loans, since inception4 Operating efficiency drives strong free cash flow and a robust balance sheet which positions OppFi for growth 11 consecutive years of positive net income5 48 million Americans2 and over 12 million small businesses3 are underbanked and lack traditional credit options

Financial Highlights

6 Q3 2026 Financial Highlights Adjusted Net Income1 ($M) Adjusted EPS1 Investment in key strategic initiatives positions OppFi for stronger long-term returns $34.5M Net Income $31.6M Adj. Net Income1 $0.41 Basic EPS $0.40 Diluted EPS $0.37 Adjusted EPS1 1. Adjusted Net Income and Adjusted EPS are non-GAAP financial measures. See the disclaimer on “Non-GAAP Financial Measures” on slide 2 for a detailed description of such non- GAAP financial measures and the appendix for a reconciliation of such non-GAAP financial measures to their most directly comparable GAAP financial measures. 2. Percentages presented are calculated from the underlying whole-dollar amounts. $29 $41 $32 Q3 2024 Q3 2025 Q3 2026 -23% $0.33 $0.46 $0.37 Q3 2024 Q3 2025 Q3 2026 -20%

Total Revenue1 ($M) Total revenue decreased 3.8% YoY driven by lower receivables balances over the period and lower yield on those receivables 7 Net Charge-Off Rate2 Net charge-offs as a percentage of total revenue increased 500 bps YoY as a result of elevated charge-offs more than offsetting higher recoveries of previously charged off loans Operating Expense Margin Total Expenses as a percentage of Total Revenue increased 110 basis points year over year, largely driven by a reduction in revenue year over year combined with one-time expenses related to the Transaction3 Q3 2026 Performance 1. Total Revenue is calculated as the sum of Interest on Finance Receivables and Other Revenue. 2. Percentages presented are calculated from the underlying whole-dollar amounts. 3. The “Transaction” refers to the proposed acquisition of BNCC. For more information, please refer to “Recent Events” in Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations in OppFi’s Form 10-Q for the quarter ended September 30, 2026. $137 $155 $149 Q3 2024 Q3 2025 Q3 2026 -4% +5% CAGR 45.9% 35.1% 40.1% Q3 2024 Q3 2025 Q3 2026 +500bps 41.1% 36.2% 37.3% Q3 2024 Q3 2025 Q3 2026 +110bps

UNAUDITED QUARTER ENDED ($ in millions) 9/30/2025 9/30/2026 Total Net Originations1 $246 $229 Total Retained Net Originations1 $215 $191 Ending Receivables2 $481 $459 Net Charge-Off Rate as % of Total Revenue3 35% 40% Net Charge-Off Rate as % of Avg. Receivables, Annualized3 47% 53% Average Yield, Annualized4 133% 131% Automatic Approval Rate5 79% 80% Q3 2026 Key Performance Indicators • Total net originations decreased 7% year over year as a result of tightened marketing partner screening criteria year over year, and total retained net originations decreased 11% year over year, attributed to the decrease in total net originations, furthered by the growth in the percentage of loans retained by our bank partners • Ending receivables decreased 5% year over year as a result of lower retained net originations through the first nine months of 2026 • Net charge-off rate as percentage of total revenue increased to 40% from 35% year over year, and the annualized net charge off rate as a percentage of average receivables increased to 53% from 47% year over year, as a result of elevated charge-offs offsetting higher recoveries of previously charged off loans • Average yield decreased to 131% from 133% year over year, as elevated delinquency in the portfolio outweighed the increase in the average statutory rate during the period • Automatic approval rate increased to 80% from 79% year over year, reflecting the continued application of algorithmic automation projects that streamline the origination process 1. Total net originations are defined as gross originations net of transferred balance on refinanced loans, while total retained net originations are defined as the portion of total net originations with respect to which the Company ultimately purchased a receivable from bank partners. 2. Ending receivables are defined as the unpaid principal balances of loans at the end of the reporting period. 3. Net charge-offs as a percentage of total revenue and net charge-offs as a percentage of average receivables represent total charge-offs from the period less recoveries as a percentage of total revenue and as a percentage of average receivables. Net charge-offs as a percentage of average receivables is presented as an annualized metric. Finance receivables are charged off at the earlier of the time when accounts reach 90 days past due on a recency basis, when OppFi receives notification of a customer bankruptcy or is otherwise deemed uncollectible. 4. Average yield is defined as total revenue from the period as a percent of average receivables and is presented as an annualized metric. 5. Automatic approval rate is calculated by taking the number of approved loans that are not decisioned by a loan processor or underwriter (auto- approval) divided by the total number of loans approved. 8

9 Free Cash Flow Generation & Capital Allocation Optionality 2026 Key Liquidity and Capital Allocation Highlights • $17.9M in share repurchases (YTD as of 9/30/26) • Board authorized a $40 million repurchase plan for Class A common stock (Q2-26) • On April 15, OppFi terminated the Gray Rock funding facility • On September 15, OppFi borrowed $75M under the term loan agreement with affiliates of Castlelake 1. 1. Free cash flow is a non-GAAP financial measure. See the disclaimer on "Non-GAAP Financial Measures" on slide 2 for a detailed description of such non-GAAP financial measures and the appendix for a reconciliation of non-GAAP financial measures to their most directly comparable GAAP financial measures. Free Cash Flow Generation ($M)1 $108M of Free Cash Flow generated in the first nine months of 2026 Total Funding Capacity ($M) $351.5 $198.5 $140.7 9/30/2026 Restricted and Unrestricted Cash Undrawn Debt Drawn Debt $690.7 $66.1 $107.5 YTD 2025 YTD 2026

10 Full Year 2026 Earnings Guidance $600M $610M to Total Revenue Adjusted Net Income1 Adjusted EPS1,2 $115M $120M to $1.34 $1.40 to Top end reduced from $625M Top end reduced from $130M Top end reduced from $1.51 1. Adjusted Net Income and Adjusted EPS are non-GAAP financial measures. See the disclaimer on “Non-GAAP Financial Measures” on slide 2 for a detailed description of such non-GAAP financial measures. A reconciliation of projected 2026 Adjusted Net Income and Adjusted EPS to the most directly comparable GAAP financial measure is not included in this presentation because, without unreasonable efforts, the Company is unable to predict with reasonable certainty the amount or timing of non-GAAP adjustments that are used to calculate these measures. 2. Adjusted EPS of $1.34 to $1.40 is based on weighted average diluted shares outstanding of approximately 86 million.

Appendix

12 Outstanding Customer Satisfaction 71 Net Promoter Score (NPS) Results Selected Customer Testimonials “They are amazing!!! Great customer service! Tons of knowledge, and willing to help. Easy application process! Fast funding!! And Great Customer Service!!! I will recommend, and personally use again! Thank you for everything OppLoans!” March 2026, Trustpilot “I submitted 10 because your customer service and online services are so accurate. This company addresses your request with proficiency and delivery. I will continue to use OppLoans in the future.” January 2026, NPS “The application is straightforward and you get a response almost immediately. And depending on the time of day, you receive the funds the same day. Thank you for making things easy when people have financial emergencies!” March 2026, Trustpilot 4.7 12,365 reviews 4.4 5,824 reviews A+ Rating 1. Note: NPS is for Q3 2026 at the time of approval. Ratings reflect data as of October 27, 2026.

13 (in Thousands, except share and per share data) (Unaudited) 2026 2025 $ % Revenue: Interest on finance receivables 147,652$ 153,706$ (6,054)$ (3.9%) Other revenue 1,578 1,383 195 14.1% 149,230 155,089 (5,859) (3.8%) Change in fair value of finance receivables (56,476) (50,532) (5,944) 11.8% Net revenue 92,754 104,557 (11,803) (11.3%) Expenses: Direct marketing costs 13,044 14,514 (1,470) (10.1%) Salaries and employee benefits 12,718 14,513 (1,795) (12.4%) Interest expense and amortized debt issuance costs 8,659 10,079 (1,420) (14.1%) Professional fees 7,538 6,100 1,438 23.6% Technology costs 3,934 3,131 803 25.6% Depreciation and amortization 1,945 1,133 812 71.7% Payment processing fees 1,675 1,712 (37) (2.2%) Occupancy 985 1,030 (45) (4.4%) General, administrative and other 5,212 3,900 1,312 33.6% Total expenses 55,710 56,112 (402) (0.7%) Income from operations 37,044 48,445 (11,401) (23.5%) Other income: Change in fair value of warrant liabilities 2,842 31,688 (28,846) (91.0%) Income from equity method investment 774 1,365 (591) (43.3%) Other income 86 82 4 4.9% Income before income taxes 40,746 81,580 (40,834) (50.1%) Income tax expense 6,267 5,647 620 11.0% Net income 34,479 75,933 (41,454) (54.6%) Less: net income attributable to noncontrolling interest - 34,298 (34,298) (100.0%) Net income attributable to OppFi Inc. 34,479$ 41,635$ (7,156)$ (17.2%) Earnings per common share attributable to OppFi Inc.: Earnings per common share: Basic 0.41$ 1.48$ Diluted 0.40$ 0.77$ Weighted average common shares outstanding: Basic 85,066,885 28,163,404 Diluted 85,571,877 88,236,591 Three Months Ended September 30, Variance Q3 Income Statement 1. Certain columns and rows may not sum due to the use of rounded numbers for disclosure purposes. Percentages presented are calculated from the underlying whole-dollar amounts.

14 (in Thousands, except share and per share data) (Unaudited) 2026 2025 $ % Revenue: Interest on finance receivables 441,904$ 433,968$ 7,936$ 1.8% Other revenue 4,377 3,832 545 14.2% 446,281 437,800 8,481 1.9% Change in fair value of finance receivables (180,058) (142,187) (37,871) 26.6% Net revenue 266,223 295,613 (29,390) (9.9%) Expenses: Salaries and employee benefits 43,266 46,045 (2,779) (6.0%) Direct marketing costs 34,832 36,692 (1,860) (5.1%) Professional fees 28,415 15,091 13,324 88.3% Interest expense and amortized debt issuance costs 25,294 29,965 (4,671) (15.6%) Technology costs 10,788 9,474 1,314 13.9% Payment processing fees 4,967 4,869 98 2.0% Depreciation and amortization 4,045 4,395 (350) (8.0%) Occupancy 2,843 3,099 (256) (8.3%) General, administrative and other 15,012 10,238 4,774 46.6% Total expenses 169,462 159,868 9,594 6.0% Income from operations 96,761 135,745 (38,984) (28.7%) Other income (expense): Change in fair value of warrant liabilities 24,338 (23,223) 47,561 204.8% Income from equity method investment 2,707 3,562 (855) (24.0%) Other income 405 241 164 68.1% Income before income taxes 124,211 116,325 7,886 6.8% Income tax expense 20,082 8,522 11,560 135.7% Net income 104,129 107,803 (3,674) (3.4%) Less: net income attributable to noncontrolling interest 26,407 98,320 (71,913) (73.1%) Net income attributable to OppFi Inc. 77,722$ 9,483$ 68,239$ 719.6% Earnings per common share attributable to OppFi Inc.: Earnings per common share: Basic 1.29$ 0.36$ Diluted 1.14$ 0.36$ Weighted average common shares outstanding: Basic 60,027,387 26,168,321 Diluted 85,933,941 26,168,321 Nine Months Ended September 30, Variance Year to Date Income Statement 1. Certain columns and rows may not sum due to the use of rounded numbers for disclosure purposes. Percentages presented are calculated from the underlying whole-dollar amounts.

15 September 30, December 31, (in Thousands) 2026 2025 $ % Unaudited Assets Cash and restricted cash 140,673$ 93,263$ 47,410$ 50.8% Finance receivables at fair value 518,884 546,236 (27,352) (5.0%) Equity method investment 20,348 19,076 1,272 6.7% Other assets 162,495 95,515 66,980 70.1% Total assets 842,400$ 754,090$ 88,310$ 11.7% Liabilities and stockholders’ equity Accounts payable and accrued expenses 37,406$ 46,171$ (8,765)$ (19.0%) Total debt 349,639 321,353 28,286 8.8% Warrant liabilities 2,117 26,455 (24,338) (92.0%) Other liabilities 9,915 51,235 (41,320) (80.6%) Total liabilities 399,077 445,214 (46,137) (10.4%) Total stockholders’ equity 443,323 308,876 134,447 43.5% Total liabilities and stockholders’ equity 842,400$ 754,090$ 88,310$ 11.7% Variance Condensed Balance Sheet 1. Certain columns and rows may not sum due to the use of rounded numbers for disclosure purposes. Percentages presented are calculated from the underlying whole-dollar amounts.

16 (in Thousands) (Unaudited) 2026 2025 $ % Net cash provided by operating activities 268,129$ 284,481$ (16,352)$ (5.7%) Net cash used in investing activities (160,606) (218,419) 57,813 (26.5%) Net cash used in financing activities (60,113) (79,157) 19,044 (24.1%) Net increase (decrease) in cash and restricted cash 47,410$ (13,095)$ 60,505$ 462.0% Nine Months Ended September 30, Variance Condensed Cash Flow Statement 1. Certain columns and rows may not sum due to the use of rounded numbers for disclosure purposes. Percentages presented are calculated from the underlying whole-dollar amounts.

17 (in Thousands, except share and per share data) (Unaudited) 2026 2025 $ % Net income 34,479$ 75,933$ (41,454)$ (54.6%) Income tax expense 6,267 5,647 620 11.0% Other income (86) (82) (4) 4.9% Change in fair value of warrant liabilities (2,842) (31,688) 28,846 (91.0%) Other adjustments, net1 3,691 3,393 298 8.8% Adjusted EBT2 41,509 53,203 (11,694) (22.0%) Less: pro forma taxes3 9,950 12,476 (2,526) (20.2%) Adjusted net income2 31,559$ 40,727$ (9,168)$ (22.5%) Adjusted earnings per share2 0.37$ 0.46$ Weighted average diluted shares outstanding 85,571,877 88,236,591 Total revenue 149,230$ 155,089$ Net income margin 23.1% 49.0% Adjusted net income margin2 21.1% 26.3% Three Months Ended September 30, Variance Q3 Adjusted Net Income Reconciliation 1. For the three months ended September 30, 2026, other adjustments, net of $3.7 million included $1.8 million in expenses related to the Transaction, $1.6 million in expenses related to stock compensation, and $0.3 million in expenses related to severance. For the three months ended September 30, 2025, other adjustments, net of $3.4 million included $1.9 million in expenses related to stock compensation, $1.0 million in expenses related to corporate development, $0.4 million in expenses related to legal matters, and $0.1 million in expenses related to severance. The sum of the individual components of other adjustments, net may not equal the total presented due to the use of rounded numbers for disclosure purposes. 2. Adjusted EBT, Adjusted Net Income (and margin thereof), and Adjusted EPS are non-GAAP financial measures. See the disclaimer on “Non-GAAP Financial Measures” on slide 2 for a detailed description of such non-GAAP financial measures. 3. Assumes a tax rate of 23.97% for the three months ended September 30, 2026 and 23.45% for the three months ended September 30, 2025, reflecting the U.S. federal statutory rate of 21% and a blended statutory rate for state income taxes. 4. Certain columns and rows may not sum due to the use of rounded numbers for disclosure purposes. Percentages presented are calculated from the underlying whole-dollar amounts.

18 (in Thousands, except share and per share data) (Unaudited) 2026 2025 $ % Net income 104,129$ 107,803$ (3,674)$ (3.4%) Income tax expense 20,082 8,522 11,560 135.7% Other income (405) (241) (164) 68.1% Change in fair value of warrant liabilities (24,338) 23,223 (47,561) (204.8%) Other adjustments, net1 19,385 9,544 9,841 103.1% Adjusted EBT2 118,853 148,851 (29,998) (20.2%) Less: pro forma taxes3 28,490 34,906 (6,416) (18.4%) Adjusted net income2 90,363$ 113,945$ (23,582)$ (20.7%) Adjusted earnings per share2 1.05$ 1.29$ Weighted average diluted shares outstanding 85,933,941 88,218,365 Total revenue 446,281$ 437,800$ Net income margin 23.3% 24.6% Adjusted net income margin2 20.2% 26.0% Nine Months Ended September 30, Variance Year to Date Adjusted Net Income Reconciliation 1. For the nine months ended September 30, 2026, other adjustments, net of $19.4 million included $10.6 million in expenses related to the Transaction and the series of transactions that resulted in OppFi becoming the sole owner of OppFi-LLC and the termination of the Tax Receivable Agreement (the "Corporate Simplification"), $6.4 million in expenses related to stock compensation, $1.9 million in expenses related to severance, and $0.5 million in expenses related to legal matters. For the nine months ended September 30, 2025, other adjustments, net of $9.5 million included $8.3 million in expenses related to stock compensation, $1.0 million in expenses related to corporate development, $0.9 million in expenses related to legal matters, $0.7 million in expenses related to severance, and $0.2 million in expenses related to an adjustment to the Company’s outstanding lease obligations, partially offset by a $1.4 million addback related to the partial forgiveness of remaining expenses related to OppFi Card’s exit activities. The sum of the individual components of other adjustments, net may not equal the total presented due to the use of rounded numbers for disclosure purposes. 2. Adjusted EBT, Adjusted Net Income (and margin thereof), and Adjusted EPS are non-GAAP financial measures. See the disclaimer on “Non-GAAP Financial Measures” on slide 2 for a detailed description of such non-GAAP financial measures. 3. Assumes a tax rate of 23.97% for the nine months ended September 30, 2026 and 23.45% for the nine months ended September 30, 2025, reflecting the U.S. federal statutory rate of 21% and a blended statutory rate for state income taxes. 4. Certain columns and rows may not sum due to the use of rounded numbers for disclosure purposes. Percentages presented are calculated from the underlying whole-dollar amounts.

19 (in Thousands, except share and per share data) (Unaudited) $ Per Share $ Per Share Weighted average diluted shares outstanding 85,571,877 88,236,591 Net income 34,479$ 0.40$ 75,933$ 0.86$ Income tax expense 6,267 0.07 5,647 0.06 Other income (86) - (82) - Change in fair value of warrant liabilities (2,842) (0.03) (31,688) (0.36) Other adjustments, net1 3,691 0.04 3,393 0.04 Adjusted EBT2 41,509 0.49 53,203 0.60 Less: pro forma taxes3 9,950 0.12 12,476 0.14 Adjusted net income2 31,559$ 0.37$ 40,727$ 0.46$ Three Months Ended September 30, 2026 Three Months Ended September 30, 2025 (Unaudited) 2026 2025 Weighted average Class A common stock outstanding 85,066,885 28,163,404 Weighted average Class V voting stock outstanding - 58,852,443 Dilutive impact of restricted stock units 361,279 969,852 Dilutive impact of performance stock units - 31,906 Dilutive impact of stock options 143,713 218,986 Weighted average diluted shares outstanding 85,571,877 88,236,591 Three Months Ended September 30, Q3 Adjusted Earnings per Share Reconciliation 1. For the three months ended September 30, 2026, other adjustments, net of $3.7 million included $1.8 million in expenses related to the Transaction, $1.6 million in expenses related to stock compensation, and $0.3 million in expenses related to severance. For the three months ended September 30, 2025, other adjustments, net of $3.4 million included $1.9 million in expenses related to stock compensation, $1.0 million in expenses related to corporate development, $0.4 million in expenses related to legal matters, and $0.1 million in expenses related to severance. The sum of the individual components of other adjustments, net may not equal the total presented due to the use of rounded numbers for disclosure purposes. 2. Adjusted EBT, Adjusted Net Income (and margin thereof), and Adjusted EPS are non-GAAP financial measures. See the disclaimer on “Non-GAAP Financial Measures” on slide 2 for a detailed description of such non-GAAP financial measures. 3. Assumes a tax rate of 23.97% for the three months ended September 30, 2026 and 23.45% for the three months ended September 30, 2025, reflecting the U.S. federal statutory rate of 21% and a blended statutory rate for state income taxes. 4. Certain columns and rows may not sum due to the use of rounded numbers for disclosure purposes.

20 (in Thousands, except share and per share data) (Unaudited) $ Per Share $ Per Share Weighted average diluted shares outstanding 85,933,941 88,218,365 Net income 104,129$ 1.21$ 107,803$ 1.22$ Income tax expense 20,082 0.23 8,522 0.10 Other income (405) - (241) - Change in fair value of warrant liabilities (24,338) (0.28) 23,223 0.26 Other adjustments, net1 19,385 0.23 9,544 0.11 Adjusted EBT2 118,853 1.38 148,851 1.69 Less: pro forma taxes3 28,490 0.33 34,906 0.40 Adjusted net income2 90,363$ 1.05$ 113,945$ 1.29$ Nine Months Ended September 30, 2026 Nine Months Ended September 30, 2025 (Unaudited) 2026 2025 Weighted average Class A common stock outstanding 60,027,387 26,168,321 Weighted average Class V voting stock outstanding 25,275,155 60,590,252 Dilutive impact of restricted stock units 477,232 1,205,261 Dilutive impact of performance stock units 5,421 45,237 Dilutive impact of stock options 148,746 209,294 Weighted average diluted shares outstanding 85,933,941 88,218,365 Nine Months Ended September 30, Year to Date Adjusted Earnings per Share Reconciliation 1. For the nine months ended September 30, 2026, other adjustments, net of $19.4 million included $10.6 million in expenses related to the Transaction and Corporate Simplification, $6.4 million in expenses related to stock compensation, $1.9 million in expenses related to severance, and $0.5 million in expenses related to legal matters. For the nine months ended September 30, 2025, other adjustments, net of $9.5 million included $8.3 million in expenses related to stock compensation, $1.0 million in expenses related to corporate development, $0.9 million in expenses related to legal matters, $0.7 million in expenses related to severance, and $0.2 million in expenses related to an adjustment to the Company’s outstanding lease obligations, partially offset by a $1.4 million addback related to the partial forgiveness of remaining expenses related to OppFi Card’s exit activities. The sum of the individual components of other adjustments, net may not equal the total presented due to the use of rounded numbers for disclosure purposes. 2. Adjusted EBT, Adjusted Net Income (and margin thereof), and Adjusted EPS are non-GAAP financial measures. See the disclaimer on “Non-GAAP Financial Measures” on slide 2 for a detailed description of such non-GAAP financial measures. 3. Assumes a tax rate of 23.97% for the nine months ended September 30, 2026 and 23.45% for the nine months ended September 30, 2025, reflecting the U.S. federal statutory rate of 21% and a blended statutory rate for state income taxes. 4. Certain columns and rows may not sum due to the use of rounded numbers for disclosure purposes.

21 (in Thousands) (Unaudited) 2026 2025 $ % Net cash provided by operating activities 268,129$ 284,481$ (16,352)$ (5.7%) Less: Net cash used in investing activities (160,606) (218,419) 57,813 (26.5%) Free cash flow1 107,523$ 66,062$ 41,461$ 62.8% Nine Months Ended September 30, Variance Free Cash Flow Reconciliation 1. Free cash flow is a non-GAAP financial measure. See the disclaimer on "Non-GAAP Financial Measures" on slide 2 for a detailed description of such Non-GAAP financial measures. 2. Certain columns and rows may not sum due to the use of rounded numbers for disclosure purposes. Percentages presented are calculated from the underlying whole-dollar amounts.

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