{"filings":[{"id":1065836,"accession_number":"0001818502-26-000064","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2026-06-16T11:13:53+00:00","items":["7.01","9.01"],"status":"ready","headline":"OppFi files 8-K for investor presentation; available exhibit lacks substantive content","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Exhibit 99.1 contains only a cover page and legal disclaimer; no financial or operational data provided.","Filing furnishes a presentation dated June 16, 2026 for investor meetings; no material updates disclosed.","The Company disclaims any obligation to update the presentation beyond its date."],"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":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":974436,"accession_number":"0001818502-26-000061","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2026-06-10T20:50:05+00:00","items":["5.07"],"status":"ready","headline":"OppFi stockholders elect directors, approve say-on-pay, ratify RSM as auditor for 2026","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Directors Theodore Schwartz and Greg Zeeman elected with over 69M votes each (no broker non-votes for that proposal).","Non-binding advisory vote on named executive officer compensation for FY2025 approved: 69.3M For, 3.4M Against.","1-year frequency for future say-on-pay votes adopted with 72.2M votes (advisory), Board adopts annual frequency.","Ratification of RSM US LLP as independent auditor for 2026 approved: 78.7M For, 0.1M Against, 0.1M Abstain.","Annual Meeting held June 9, 2026; quorum of ~79M shares (92.5% of 85.4M outstanding) present."],"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":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"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","summary_kind":"llm","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,"calibrated_materiality_score":0.9,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.9,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.6,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.85,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.75,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.6,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.65,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.5,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.75,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.15,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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.","summary_kind":"llm","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,"calibrated_materiality_score":0.85,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.6,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.8,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.6,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":195211,"accession_number":"0001818502-24-000018","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2024-11-07T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OppFi reports record Q3 net income $32.1M (+106% YoY), raises FY adjusted EPS guidance to $0.85-$0.87","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income record $32.1M, up 106.4% YoY; adjusted net income $28.8M, up 116.2% YoY.","Total revenue record $136.6M, up 2.6% YoY; net charge-off rate improved 810 bps to 34.3%.","Adjusted EPS $0.33, up 112.4% YoY; basic/diluted EPS $0.21.","FY2024 adjusted EPS guidance raised to $0.85-$0.87 from $0.73-$0.75.","Repurchased $1.0M of Class A common stock in Q3."],"consensus_eps_estimate":null,"consensus_eps_actual":0.65,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":211471,"accession_number":"0001818502-24-000017","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2024-09-19T23:59:59+00:00","items":["1.01","2.03","7.01","9.01"],"status":"ready","headline":"OppFi extends credit facility maturity to Sep 2025; adds $20M/$10M quarterly repayments","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Twelfth Amendment extends maturity from March 30, 2025 to September 30, 2025.","Requires $20M repayment on last day of fiscal quarter ending March 31, 2025.","Requires $10M repayment on last day of each subsequent fiscal quarter thereafter.","Amendment involves OppFi-LLC, guarantor subsidiaries, and Midtown Madison Management as administrative agent."],"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":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":211470,"accession_number":"0001818502-24-000014","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2024-08-07T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OppFi reports record Q2 net income of $27.7M, raises FY2024 adj. EPS guidance to $0.73-$0.75","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $27.7M (+53.1% YoY); adj. net income $24.8M (+56.2%); total revenue $126.3M (+3.1%).","Adjusted EPS $0.29 (+53.5%); net charge-off rate improved 370 bps to 32.5% of revenue.","Full-year 2024 adj. EPS guidance raised to $0.73-$0.75 from $0.58-$0.62; Q3 2024 adj. EPS guided $0.20-$0.22.","Declared first special dividend of $0.12/share; repurchased $2.5M of Class A common stock; paid down $10M senior debt."],"consensus_eps_estimate":null,"consensus_eps_actual":0.36,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":211469,"accession_number":"0001818502-24-000012","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2024-08-01T23:59:59+00:00","items":["1.01","3.02","7.01","9.01"],"status":"ready","headline":"OppFi acquires 35% stake in Bitty for ~$18M to enter small-business financing","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Acquired 35% of Bitty for $15.25M cash + 734,851 OppFi-LLC units (~$2.7M).","Bitty has facilitated funding to 29,000+ small businesses since 2020; products from $2K-$250K.","Transaction implies 6.0x purchase multiple on Bitty's TTM adjusted net income through Mar 2024.","Acquisition expected to add ~$0.03 to OppFi's adjusted EPS annually and be immediately accretive.","OppFi has call options to acquire additional 30% in 2027 and remaining equity in 2030."],"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":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":211468,"accession_number":"0001818502-24-000011","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2024-07-24T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"OppFi announces forfeiture of 25.5 million earnout units and Class V shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["25,500,000 earnout Class A common units of Opportunity Financial forfeited for no consideration.","25,500,000 shares of Class V common stock associated with the Earnout Units also forfeited.","Forfeiture occurred on third anniversary of business combination closing.","No consideration was paid for either the Earnout Units or the Class V shares."],"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":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230118,"accession_number":"0001818502-24-000010","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2024-06-05T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"OppFi annual meeting elects directors Schwartz and Vennettilli, ratifies RSM as auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["At June 5 annual meeting, both director nominees elected: Schwartz with 96.3M for, Vennettilli with 96.2M for.","Ratification of RSM US LLP as independent auditor for FY2024 passed with 104.8M for, 129K against.","Quorum reached with 105M shares represented out of 110.9M shares outstanding.","No other proposals or material matters submitted to stockholder vote."],"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,"calibrated_materiality_score":0.15,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230117,"accession_number":"0001818502-24-000008","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2024-05-08T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OppFi beats Q1 guidance, raises FY2024 adjusted EPS outlook to $0.58-$0.62","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q1 total revenue $127.3M (+5.8% YoY); net income $10.1M (+157.8% YoY); diluted EPS $0.10.","Adjusted EPS $0.10 (+123% YoY), exceeding guidance; full-year adjusted EPS raised to $0.58-$0.62 from $0.53-$0.57.","Unrestricted cash $47.2M (+48.4% sequentially); total receivable funding capacity $613.7M.","Annualized net charge-off rate 47.9% of revenue, down 110 bps YoY; revenue yield 129.5%, up 350 bps.","Management cites strong tax refund season and favorable credit trends; special dividend and share repurchase program in place."],"consensus_eps_estimate":null,"consensus_eps_actual":0.1,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230116,"accession_number":"0001818502-24-000007","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2024-04-11T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"OppFi furnishes April 2024 investor presentation with no specific material updates","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Presentation dated April 2024 furnished under Regulation FD for investor meetings.","No financial results, guidance changes, or material events disclosed in the filing.","Company disclaims any obligation to update the presentation after its date.","Exhibit 99.1 consists only of a cover and disclaimer; substantive content not included."],"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":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230115,"accession_number":"0001818502-24-000006","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2024-04-09T23:59:59+00:00","items":["7.01","8.01","9.01"],"status":"ready","headline":"OppFi declares $0.12 special dividend and $20M share repurchase program","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["$0.12 special dividend per share payable May 1, 2024; record date April 19, 2024.","Board authorized new $20M share repurchase program expiring April 2027; open market or private transactions.","CEO Todd Schwartz states stock price disconnected from intrinsic value; buyback aims to support stockholders.","Special distribution of $0.12 per unit also approved for Opportunity Financial's Class A common units; earnout units excluded unless vested.","Repurchase program triggers redemption of one Class A common unit per share bought, changing ownership structure of subsidiary."],"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,"calibrated_materiality_score":0.65,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":248549,"accession_number":"0001818502-24-000004","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2024-03-07T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OppFi beats 2023 earnings guidance; Q4 revenue up 10.7% YoY to $132.9M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full-year 2023 net income $39.5M, adjusted net income $43.3M; revenue $508.9M (+12.4% YoY)","Q4 2023 net income $1.9M vs Q4 2022 loss of $5.2M; adjusted net income $8.9M vs loss","Net charge-off rate as % of total revenue improved 8.1pp to 43.5% for full-year 2023","Diluted adjusted EPS $0.51 for full year vs $0.06 in 2022; Q4 adjusted EPS $0.10 vs ($0.19)","Provides outlook for continued profitable growth in 2024; strong balance sheet with optionality"],"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,"calibrated_materiality_score":0.8,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":266055,"accession_number":"0001818502-23-000017","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2023-12-06T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"OppFi files investor presentation for December 2023 conference","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["CEO Todd Schwartz and CFO Pam Johnson to present at Investor Summit Group Conference on Dec 7, 2023.","Presentation accessible live and via replay on OppFi's investor relations website.","No specific financial metrics or guidance disclosed in the furnished excerpt.","Presentation speaks as of Dec 6, 2023; company disclaims obligation to update."],"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,"calibrated_materiality_score":0.25,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":266054,"accession_number":"0001818502-23-000015","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2023-11-09T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OppFi Q3 revenue up 7% to $133M, net income $15.5M, raises FY adjusted EPS guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $133.2M (+7% YoY); net income $15.5M vs ($0.7M) loss in Q3 2022.","Adjusted net income $13.8M (vs $0.8M); adjusted EPS $0.16 (vs $0.01) YoY.","Basic & diluted EPS $0.13; net charge-off rate improved to 42% of revenue (down 23% YoY).","Raised full-year adjusted net income and adjusted EPS guidance for third time in 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":0.29,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":266053,"accession_number":"0001818502-23-000014","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2023-10-18T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OppFi preliminary Q3 earnings beat consensus; full-year guidance to be raised","summary_kind":"llm","event_type":"earnings","confidence":"medium","bullets":["Preliminary Q3 earnings significantly beat analyst consensus estimate, per CEO Todd Schwartz.","Revenue grew year over year on higher-quality originations and stronger customer payment activity.","Net charge-off rate decreased as a percentage of total revenue year over year.","Company expects to raise full-year 2023 earnings guidance for the third time on Nov 9 call."],"consensus_eps_estimate":null,"consensus_eps_actual":0.29,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":283287,"accession_number":"0001818502-23-000013","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2023-09-14T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"OppFi reclassifies director Theodore Schwartz to equalize board class sizes","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Director Theodore Schwartz moved from Class I to Class II effective Sept 11, 2023.","Reclassification ensures each of three director classes has two members.","Schwartz's committee assignments and compensation unchanged; no disagreement cited."],"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":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":283286,"accession_number":"0001818502-23-000011","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2023-08-09T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OppFi Q2 revenue up 14% to $122.5M, net income up 90%, raises FY outlook","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue of $122.5M (+14% YoY); net income of $18.1M (+90% YoY).","Adjusted net income of $16.3M (+138% YoY); adjusted EPS of $0.19 (+137%).","Net charge-off rates decreased sequentially and YoY; marketing cost per funded loan fell 23%.","Total expenses as % revenue down 16% YoY; company raised full-year adjusted net income and EPS guidance."],"consensus_eps_estimate":null,"consensus_eps_actual":0.16,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":283285,"accession_number":"0001818502-23-000010","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2023-07-25T23:59:59+00:00","items":["1.01","2.03","7.01","9.01"],"status":"ready","headline":"OppFi upsizes revolving credit facility with Atalaya to $250 million","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Facility increased from $200M to $250M; new Tranche C of $125M maturing July 2027.","Tranche C bears interest at Term SOFR + 7.5%; proceeds to fund receivables growth.","Proceeds also used to repay existing Tranche A loans in full on July 19, 2023."],"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,"calibrated_materiality_score":0.6,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":302715,"accession_number":"0001818502-23-000009","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2023-06-08T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"OppFi stockholders elect Greg Zeeman to board and ratify RSM US LLP as auditor at 2023 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Greg Zeeman elected to board with 98,476,749 for, 309,084 against, and 5,130,380 broker non-votes.","Ratification of RSM US LLP as auditor for 2023 fiscal year: 103,819,581 for, 78,885 against, 17,747 abstained.","Quorum achieved with 103,916,213 shares represented out of 109,787,970 outstanding."],"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":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":302714,"accession_number":"0001818502-23-000006","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2023-05-11T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OppFi Q1 revenue up 20% to $120.4M, net income $3.9M; raises FY earnings outlook","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $120.4M (+20% YoY); net income $3.9M vs loss of $0.3M in Q1 2022.","Adjusted net income $4.4M (+584% YoY); adjusted EPS $0.05.","Ending receivables $370.2M (+9% YoY); credit metrics improved sequentially.","Marketing cost per new funded loan down 9% YoY.","Raised full-year adjusted net income and adjusted EPS guidance."],"consensus_eps_estimate":null,"consensus_eps_actual":0.02,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":322351,"accession_number":"0001818502-23-000004","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2023-03-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OppFi reports record 2022 revenue of $452.9M; net income drops 96% to $3.3M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full-year 2022 total revenue $452.9M (+29% YoY); net income $3.3M vs $89.8M in 2021.","Q4 2022 revenue $120.0M (+25%); net loss of $5.2M vs net income $17.0M a year ago.","Adjusted net income $5.0M for FY2022; adjusted EPS $0.06 vs $0.78 in 2021.","Closed $150M credit facility with Castlelake; total funding capacity >$530M as of year-end.","Marketing cost per new funded loan fell 20% YoY; first payment default rates trending to pre-pandemic levels."],"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":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":340397,"accession_number":"0001818502-22-000021","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2022-12-20T23:59:59+00:00","items":["1.01","1.02","2.03","2.04","7.01","9.01"],"status":"ready","headline":"OppFi closes $150M credit facility with Castlelake, repays $109M Ares facility","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$150M revolving credit facility; interest rate = SOFR + 7.50%; matures Dec 14, 2026.","Proceeds to finance receivables growth and repay ~$109M outstanding under prior Ares facility.","Prior Ares SPV III credit agreement terminated effective Dec 14, 2022.","Lenders: affiliate of Castlelake L.P.; Hudson Cove Capital Management also participating."],"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":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":340396,"accession_number":"0001818502-22-000020","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2022-12-09T23:59:59+00:00","items":["2.02","4.02"],"status":"ready","headline":"OppFi restates prior financials; diluted EPS reduced by $1.45 for FY2021 due to accounting error","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Non-reliance on FY2021, Q1 2022, and three/nine months ended Sept 30, 2021 financials due to misapplication of diluted EPS accounting.","Diluted EPS for FY2021 restated to $0.48, a reduction of $1.45 from previously reported.","Q1 2022 diluted EPS restated to $0.00 (reduction of $0.08); Q3 2021 restated to $0.29 (reduction of $0.77 for three months).","Company will amend 2021 10-K and Q1 2022 10-Q; no impact on operating performance or KPIs other than diluted EPS.","Audit Committee concluded after discussion with management; discussed with independent auditor RSM US LLP."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":340395,"accession_number":"0001818502-22-000017","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2022-11-09T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OppFi Q3 revenue up 35% to $124.2M but net loss $(0.7)M; guidance reaffirmed","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $124.2M (+35% YoY); net loss $(0.7)M vs net income $30.4M a year ago.","Adjusted net income $0.8M; basic EPS $(0.04) and adjusted EPS $0.01.","Net originations $182.7M (+11% YoY); ending receivables $407.7M (+39% YoY).","Net charge-offs rose to 66% of avg receivables from 36%; auto-approval rate improved to 69%.","FY 2022 guidance reaffirmed: revenue growth 20-25%, break-even to modest net loss on adjusted basis."],"consensus_eps_estimate":null,"consensus_eps_actual":0.09,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":340394,"accession_number":"0001818502-22-000016","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2022-10-25T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OppFi reports preliminary Q3 revenue ~$124.2M, net loss ~$0.7M, reaffirms FY2022 guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Preliminary Q3 2022 revenue ~$124.2M, net loss ~$0.7M, adjusted net income ~$0.8M.","Reaffirms full-year 2022 guidance; CEO cites strong demand and credit performance consistent with forecast.","July credit adjustments have lowered early delinquency rates near pre-pandemic levels for new and refinanced loans.","Q3 2022 earnings call scheduled for Nov 9, 2022 after market close; management to discuss results.","Company to present at ThinkEquity Conference on Oct 26, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":0.09,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":357665,"accession_number":"0001818502-22-000014","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2022-08-17T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"OppFi posts investor presentation for August 2022 meetings","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Investor presentation dated August 2022 made available for meetings with investors or analysts.","Only a disclaimer page was provided; full presentation slides not included in available text.","No financial results, guidance, or material updates are discernible from the provided fragment."],"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":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":357664,"accession_number":"0001818502-22-000012","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2022-08-10T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OppFi reports Q2 revenue up 38% to $107.9M, but net income drops 47%; cuts FY guidance to break-even","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $107.9M (+37.6% YoY); net income $9.5M (-47.2%); adjusted EBITDA $20.0M (-38%).","Net originations $226.2M (+57%); ending receivables $401.5M (+54%); annualized net charge-offs 51% vs 28% YoY.","Marketing cost per new funded loan down to $206 from $245; auto-approval rate 62% vs 51%.","Reaffirms FY22 revenue growth 20-25%, but now expects break-even to modest adjusted net loss due to inflation/credit.","Repurchased 333K shares for $1.1M in Q2; withdrew prior guidance for other metrics."],"consensus_eps_estimate":null,"consensus_eps_actual":0.1,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":357663,"accession_number":"0001193125-22-202091","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2022-07-26T23:59:59+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"OppFi stockholders re-elect directors, ratify auditor, approve equity plan amendment at 2022 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Elected Christina Favilla, Jocelyn Moore, and Theodore Schwartz as directors with >97.3M votes each; 3.58M broker non-votes.","Ratified RSM US LLP as independent auditor for FY2022: 100,992,987 for, 84,423 against, 47,419 abstained.","Approved amendment to 2021 Equity Incentive Plan (97.2M for, 348K against) tying annual share increase to total outstanding Class A and Class V common stock.","Quorum of 101.1M shares represented out of 109.7M outstanding shares."],"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":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":376270,"accession_number":"0001193125-22-177145","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2022-06-21T23:59:59+00:00","items":["1.01","1.02","2.03","2.04","7.01","9.01"],"status":"ready","headline":"OppFi upsizes credit facility with Atalaya to $200M from $75M, extends maturity to June 2025","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Facility increased from $75M to $200M with affiliates of Atalaya Capital Management.","Revolving period extended by three years to June 14, 2025.","Proceeds to fund receivables growth and repay ~$39.6M outstanding under Ares SPV VI Agreement.","Benchmark interest rate replaced from Adjusted LIBOR to Term SOFR.","Press release cites record consumer demand and inflationary pressures."],"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":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":376269,"accession_number":"0001193125-22-156782","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2022-05-23T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"OppFi files 8-K to furnish May 2022 investor presentation; no details provided","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Filing under Item 7.01 furnishes an investor presentation as Exhibit 99.1.","Presentation is dated May 2022; no specific financial or operational updates included in the exhibit excerpt.","No guidance, earnings, or material events disclosed in the filing text or available exhibit content."],"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":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":376268,"accession_number":"0001818502-22-000006","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2022-05-05T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OppFi Q1 revenue up 20% to $100.7M; net loss $0.3M as charge-offs hit 56% annualized","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q1 revenue $100.7M (+20% YoY); GAAP net loss of $0.3M vs net income $24.4M a year ago.","Net originations $162.8M (+63% YoY); ending receivables $338.5M (+38%).","Annualized net charge-offs as % of avg receivables rose to 56% from 30% a year ago.","Auto-approval rate improved to 61% vs 41%; marketing cost per new loan fell to $221 from $266.","Re-affirmed FY2022 guidance: 20-25% revenue growth, 20-25% adj. EBITDA margin."],"consensus_eps_estimate":null,"consensus_eps_actual":0.08,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":376267,"accession_number":"0001193125-22-113176","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2022-04-21T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"OppFi subsidiary enters $75M total return swaps on consumer receivables with Midtown Madison","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["OppFi-LLC enters TRS with Midtown Madison affiliates providing credit protection on $75M revolving credit facility backed by consumer receivables.","TRS allows OppFi-LLC to obtain economic benefit of receivables without ownership, with payments based on interest and principal losses.","TRS terminates on earliest of April 2024 commitment termination, assignment to OppFi-LLC, or April 2025 final maturity.","OppFi-LLC also enters servicing agreement to service the consumer receivables financed through the credit agreement."],"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":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":394624,"accession_number":"0001193125-22-084513","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2022-03-25T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"OppFi appoints Pamela Johnson as CFO, succeeding Shiven Shah","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Pamela Johnson named CFO effective March 28, 2022, replacing Shiven Shah.","Johnson was Chief Accounting Officer since June 2021; previously CFO at Heights Finance and Pioneer Financial Services for 10+ years.","Shah's departure without cause; he receives separation benefits and will advise through Q2 2022.","Shah served as CFO for five years and led OppFi's public listing process."],"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":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":394623,"accession_number":"0001193125-22-069372","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2022-03-08T23:59:59+00:00","items":["7.01","8.01"],"status":"ready","headline":"OppFi sues California DFPI commissioner to block interest rate caps on bank-partner loans","summary_kind":"llm","event_type":"litigation","confidence":"high","bullets":["Filed complaint March 7, 2022 in Los Angeles Superior Court against California's financial regulator.","Seeks declaration that California's AB 539 rate caps don't apply to loans originated by OppFi's bank partners.","Argues federal law lets Utah-chartered, FDIC-insured banks export their home-state interest rates.","Cites prior federal ruling in California that similar loans are exempt, and state's loss in FDIC lawsuit.","Company says it serves ~7.2 million Californians and asserts its practices are lawful."],"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":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":394622,"accession_number":"0001193125-22-055696","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2022-02-28T23:59:59+00:00","items":["2.02","7.01","5.02","9.01"],"status":"ready","headline":"OppFi Appoints Founder Todd Schwartz as CEO, Updates 2021 Financial Outlook","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Todd Schwartz appointed CEO effective Feb 28, 2022; Neville Crawley resigns as CEO and director.","OppFi reaffirms 2021 revenue of $350-352M and raises adjusted net income outlook to $64-66M.","CFO Shiven Shah enters employment agreement with base salary $375,000 and target bonus 60%.","Adjusted EBITDA outlook lowered to $115-117M from prior $120-125M.","Ending receivables expected $335-338M, up from prior $315-325M."],"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":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":394621,"accession_number":"0001193125-22-003118","cik":1818502,"company_name":"OppFi Inc.","ticker":"OPFI","form_type":"8-K","filed_at":"2022-01-06T23:59:59+00:00","items":["7.01","8.01","9.01"],"status":"ready","headline":"OppFi board authorizes $20M share repurchase program through December 2023","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized up to $20M of Class A common stock repurchases, expiring December 2023.","Repurchases may be made on open market or in private transactions at management's discretion.","Program does not obligate any purchases; may be modified, suspended, or discontinued at any time.","Each share repurchased triggers redemption of one Class A unit of subsidiary Opportunity Financial.","Executive Chairman Todd Schwartz cites belief that share price is disconnected from long-term value."],"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":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":1218929438.0168676,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2022-01-06T23:59:59+00:00|394621"}