{"filings":[{"id":95751,"accession_number":"0001818502-26-000042","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2026-05-07T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"OppFi Reports First Quarter 2026 Record Revenue and Approves $40M Buyback","event_type":"earnings","confidence":"high","bullets":["Total revenue increased 8.3% YoY to $151.9 million, a record for the first quarter.","Net income jumped 165.0% YoY to $54.0 million, while adjusted net income fell 11.2% to $30.0 million.","Board approved a new $40 million share repurchase program, replacing the prior program, expiring in May 2029.","CEO highlighted the transformative combination with BNC's national bank charter for growth and product diversification."],"consensus_eps_estimate":null,"consensus_eps_actual":0.56,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.9,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":95750,"accession_number":"0001818502-26-000030","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2026-04-29T23:59:59+00:00","items":["1.01","1.02","3.02","7.01","9.01"],"status":"ready","headline":"OppFi to acquire BNCCORP for ~$130.7M; completes corporate simplification","event_type":"m_and_a","confidence":"high","bullets":["Merger consideration: $19.375 cash + 1.90 OppFi shares per BNCC share; total value ~$130.7M.","BNCC stockholders to own ~7% of combined co.; close expected Q4 2026 subject to approvals.","Corporate simplification: all OpCo units exchanged for Class A common; dual-class structure eliminated.","TRA terminated with early termination payment of $40.8M, payable in two installments (May 8, Sep 1, 2026).","Voting agreements cover ~20% of BNCC stock; termination fees: BNCC 3.5%, OppFi 1.5%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.9,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":95749,"accession_number":"0001818502-26-000023","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2026-04-16T23:59:59+00:00","items":["1.01","1.02","2.03","2.04","9.01"],"status":"ready","headline":"OppFi terminates $75M TRS, borrows $46.5M to purchase receivables, amends credit facility","event_type":"debt","confidence":"high","bullets":["Terminated $75M total return swaps with Midtown affiliates; no termination penalties incurred.","Borrowed ~$46.5M under amended $300M revolving credit facility to acquire Gray Rock Receivables.","Third Amendment expands eligible bank partner states and modifies eligibility criteria to include Gray Rock Receivables.","All Gray Rock Receivables now pledged as collateral under the facility; consolidated receivable balance unchanged.","Amendment also updates Excess Concentration Limits and Tier 1 Collateral Performance Triggers."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109037,"accession_number":"0001818502-26-000012","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2026-03-11T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OppFi reports record 2025 net income of $146.2M, up 74% YoY; adj. EPS $1.59","event_type":"earnings","confidence":"medium","bullets":["FY2025 net income $146.2M, up 74.4% YoY – Company record.","Adjusted net income $139.8M, up 69.1% YoY – record.","Diluted EPS $0.99 (up $0.63); adjusted EPS $1.59 (up $0.64) – records.","Record total originations and revenue achieved in 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":125496,"accession_number":"0001818502-25-000045","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2025-10-29T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OppFi Q3 net income $75.9M (+137% YoY); revenue $155.1M record; raises full-year guidance","event_type":"earnings","confidence":"high","bullets":["Q3 total revenue $155.1M record (+13.5% YoY); GAAP net income $75.9M (+136.9% YoY).","Adjusted net income $40.7M record (+41.4% YoY); raised FY guidance to $137-142M adjusted net income.","Auto approval rate improved to 79.1% from 76.0% in Q3 2024, driving operating efficiency.","Raised full year revenue guidance to $590M-$605M and adjusted EPS to $1.54-$1.60."],"consensus_eps_estimate":null,"consensus_eps_actual":0.36,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":125495,"accession_number":"0001818502-25-000038","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2025-10-02T23:59:59+00:00","items":["1.01","1.02","2.03","2.04","7.01","9.01"],"status":"ready","headline":"OppFi closes $150M revolving credit facility at lower rate, replaces prior facility","event_type":"debt","confidence":"high","bullets":["New $150M revolving credit facility with four-year term (matures Sep 29, 2029) replaces prior $150M facility.","Interest rate reduced to SOFR + 6.00% from SOFR + 7.50% under prior facility.","Proceeds used to repay ~$79M outstanding under prior facility; no early termination penalties incurred.","Facility supports growth in finance receivables; subject to borrowing base and financial covenants."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":142234,"accession_number":"0001818502-25-000033","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2025-08-26T23:59:59+00:00","items":["7.01","8.01","9.01"],"status":"ready","headline":"OppFi boosts buyback authorization by $20M to $40M; $32.4M remaining capacity","event_type":"other_material","confidence":"high","bullets":["Board authorized additional $20M share repurchases, raising total authorization to $40M.","Company previously repurchased ~1.4M shares for ~$7.6M, including 390K shares in Q3 2025.","Remaining capacity under program is ~$32.4M; program expires April 2027.","CEO Schwartz states stock trades at significant discount to intrinsic value; program reflects confidence."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":142233,"accession_number":"0001818502-25-000030","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2025-08-21T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"OppFi publishes supplemental info on warrants expiring within one year","event_type":"other_material","confidence":"low","bullets":["Public warrants to purchase Class A common stock are now within one year of expiration.","Management highlights potential capital infusion if warrants are exercised.","Supplemental presentation available on IR page and as 8-K exhibit.","No specific warrant terms (exercise price, number) were detailed in the available filing text."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":142232,"accession_number":"0001818502-25-000022","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2025-08-06T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OppFi Q2 record revenue $142.4M, adj net income $39.4M; raises FY guidance","event_type":"earnings","confidence":"high","bullets":["GAAP net income $11.5M (down 58.5% YoY); adjusted net income $39.4M (up 59.0% YoY), a record.","Total revenue $142.4M, up 12.8% YoY, a record; average yield 136.1%, up 130 bps YoY, a record.","Net charge-off rate 31.9% of revenue, down 60 bps YoY.","FY 2025 revenue guidance raised to $578M-$605M from $563M-$594M.","FY 2025 adjusted net income guidance raised to $125M-$130M from $106M-$113M."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.28,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":160239,"accession_number":"0001818502-25-000008","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2025-06-11T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"OppFi reports 2025 annual meeting results: directors elected, auditor ratified","event_type":"other_material","confidence":"high","bullets":["Quorum of 77,284,361 shares represented out of 86,789,497 outstanding.","Director Christina Favilla elected with 68,139,274 for votes; 232,729 abstained.","Director Jocelyn Moore elected with 66,287,434 for votes; 2,084,569 abstained.","Ratification of RSM US LLP as auditor: 76,740,573 for, 480,447 against, 63,341 abstained."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":160238,"accession_number":"0001818502-25-000005","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2025-05-07T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OppFi Q1 record revenue $140.3M (+10.1% YoY); adj. net income $33.8M, up 285%; raises FY guidance.","event_type":"earnings","confidence":"high","bullets":["Q1 total revenue $140.3M, a record, up 10.1% YoY; exceeded quarterly guidance by >40%.","GAAP net income $20.4M, up 101.3% YoY; adjusted net income $33.8M, up 285.1% YoY (record).","Average annualized yield rose 630 bps to 135.8%; net charge-off rate fell 1,330 bps to 34.6% of revenue.","FY2025 adjusted net income guidance raised to $106-113M from prior $95-97M; EPS guidance also raised."],"consensus_eps_estimate":0.2584,"consensus_eps_actual":-0.48,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.85,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":178539,"accession_number":"0001818502-25-000004","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2025-03-25T23:59:59+00:00","items":["7.01","8.01","9.01"],"status":"ready","headline":"OppFi declares $0.25 special dividend payable Apr 18, 2025 to holders of record Apr 8","event_type":"dividend","confidence":"high","bullets":["Special dividend of $0.25 per Class A common share, payable April 18, 2025 to holders of record April 8, 2025.","Equivalent $0.25 per unit distribution approved for Opportunity Financial LLC unit holders.","CEO cites confidence in earnings potential and ability to reward stockholders after paying off corporate debt earlier in March.","This is OppFi's second special dividend as a public company; future dividends subject to Board discretion."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":178538,"accession_number":"0001818502-25-000002","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2025-03-05T23:59:59+00:00","items":["1.02","2.02","7.01","9.01"],"status":"ready","headline":"OppFi beats Q4 revised estimates, net income up 112% YoY, raises 2025 guidance","event_type":"earnings","confidence":"high","bullets":["Repaid all outstanding obligations and terminated Senior Secured Multi-Draw Term Loan Agreement on March 4, 2025.","Full-year 2024 net income rose 112.4% YoY to $83.8M; adjusted net income (record) up 99.2% to $82.7M.","Full-year 2024 adjusted EPS $0.95 (record, +95.5% YoY); net charge-offs as % of revenue improved 440 bps to 39.1%.","Q4 2024 net income $14.0M (+619.7% YoY); adjusted net income $20.3M (+140.3% YoY).","Guidance: Q1 2025 adjusted net income $22-24M; full-year 2025 expected to grow 15-17% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.8,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":178537,"accession_number":"0001818502-25-000001","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2025-02-18T23:59:59+00:00","items":["1.01","2.03","7.01","9.01"],"status":"ready","headline":"OppFi upsizes revolving credit facility with Blue Owl to $300M, extends maturity to 2029","event_type":"debt","confidence":"high","bullets":["Credit facility capacity increased from $250M to $300M via a second amended agreement dated Feb 13, 2025.","Maturity date extended to February 13, 2029; commitment period runs through Feb 2028.","Tranche D ($237.5M) at Term SOFR + 7.30%; Tranche C ($62.5M) at Term SOFR + 7.75% until Dec 2025.","Proceeds used to repay existing Tranche B loans and to finance future receivables growth.","CEO Todd Schwartz says upsizing supports loan demand and the company's mission of financial inclusion."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}