{"schema_version":"secwatch.filing_event.v1","accession":"0001818502-22-000006","form_type":"8-K","ticker":"OPFI","cik":"0001818502","company_name":"OppFi Inc.","filed_at":"2022-05-05T23:59:59+00:00","discovered_at":"2026-05-14T18:04:02.477684+00:00","generated_at":"2026-06-25T23:57:11.888978+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"OppFi Q1 revenue up 20% to $100.7M; net loss $0.3M as charge-offs hit 56% annualized","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001818502-22-000006","json":"https://secwatch.observer/filing/0001818502-22-000006.json","markdown":"https://secwatch.observer/filing/0001818502-22-000006.md","text":"https://secwatch.observer/filing/0001818502-22-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1818502/000181850222000006/0001818502-22-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1818502/000181850222000006/opfi-20220505.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-25T23:57:11.888978+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}