{"schema_version":"secwatch.filing_event.v1","accession":"0001818502-22-000017","form_type":"8-K","ticker":"OPFI","cik":"0001818502","company_name":"OppFi Inc.","filed_at":"2022-11-09T23:59:59+00:00","discovered_at":"2026-05-14T18:03:52.297184+00:00","generated_at":"2026-06-22T01:50:07.793889+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"OppFi Q3 revenue up 35% to $124.2M but net loss $(0.7)M; guidance reaffirmed","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001818502-22-000017","json":"https://secwatch.observer/filing/0001818502-22-000017.json","markdown":"https://secwatch.observer/filing/0001818502-22-000017.md","text":"https://secwatch.observer/filing/0001818502-22-000017.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1818502/000181850222000017/0001818502-22-000017-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1818502/000181850222000017/opfi-20221109.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T01:50:07.793889+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":[{"claim_id":"db6c22f2a6b9ff800f0f601e00c1f35b38347e74","claim":"OppFi Inc. reported third quarter ended September 30, 2022 results: revenue $124.2 million, net income Net loss of $(0.7) million, EPS Basic and Diluted EPS of $(0.04) and $(0.04), respectively. Guidance reaffirmed.","evidence_excerpt":"Revenue increased 35% year over year to $124.2 million for the third quarter of 2022 Net Originations increased 11% year over year to $182.7 million for the third quarter of 2022 Ending Receivables increased 39% year over year to $407.7 million for the third quarter of 2022 Net loss of $(0.7) million for the third quarter of 2022 Adjusted Net Income of $0.8 million for the third quarter of 2022 Basic and Diluted EPS of $(0.04) and $(0.04), respectively, for the third quarter of 2022 Adjusted EPS of $0.01 for the third quarter of 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1818502/000181850222000017/0001818502-22-000017-index.htm","confidence":0.98,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter ended September 30, 2022"},{"label":"Revenue","value":"$124.2 million"},{"label":"Net income","value":"Net loss of $(0.7) million"},{"label":"EPS","value":"Basic and Diluted EPS of $(0.04) and $(0.04), respectively"},{"label":"Guidance","value":"reaffirmed"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}