---
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"
generated_at: "2026-06-22T01:50:07.793889+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# OppFi Q3 revenue up 35% to $124.2M but net loss $(0.7)M; guidance reaffirmed

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001818502-22-000017
- JSON: https://secwatch.observer/filing/0001818502-22-000017.json
- Plain text: https://secwatch.observer/filing/0001818502-22-000017.txt

## Key facts
- Earnings Releases
  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.
  - Period: third quarter ended September 30, 2022
  - 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
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1818502/000181850222000017/0001818502-22-000017-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.