{"schema_version":"secwatch.filing_event.v1","accession":"0001818502-22-000012","form_type":"8-K","ticker":"OPFI","cik":"0001818502","company_name":"OppFi Inc.","filed_at":"2022-08-10T23:59:59+00:00","discovered_at":"2026-05-14T18:03:57.191332+00:00","generated_at":"2026-06-24T01:32:17.636431+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"OppFi reports Q2 revenue up 38% to $107.9M, but net income drops 47%; cuts FY guidance to break-even","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001818502-22-000012","json":"https://secwatch.observer/filing/0001818502-22-000012.json","markdown":"https://secwatch.observer/filing/0001818502-22-000012.md","text":"https://secwatch.observer/filing/0001818502-22-000012.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1818502/000181850222000012/0001818502-22-000012-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1818502/000181850222000012/opfi-20220809.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T01:32:17.636431+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"}