{"schema_version":"secwatch.filing_event.v1","accession":"0001818502-23-000004","form_type":"8-K","ticker":"OPFI","cik":"0001818502","company_name":"OppFi Inc.","filed_at":"2023-03-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:46.746399+00:00","generated_at":"2026-06-17T19:06:56.846991+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"OppFi reports record 2022 revenue of $452.9M; net income drops 96% to $3.3M","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001818502-23-000004","json":"https://secwatch.observer/filing/0001818502-23-000004.json","markdown":"https://secwatch.observer/filing/0001818502-23-000004.md","text":"https://secwatch.observer/filing/0001818502-23-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1818502/000181850223000004/0001818502-23-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1818502/000181850223000004/opfi-20230323.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-17T19:06:56.846991+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":"19a8fff48740fcec95c2f1752b5b3ab65a820c55","claim":"OppFi Inc. reported the three months ended December 31, 2022 results: revenue $ 120,030, net income $ (5,199), EPS $ (0.22).","evidence_excerpt":"Total revenue $ 120,030 $ 95,958 25.1% Net (loss) income $ (5,199) $ 17,032 (130.5) %","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1818502/000181850223000004/0001818502-23-000004-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended December 31, 2022"},{"label":"Revenue","value":"$ 120,030"},{"label":"Net income","value":"$ (5,199)"},{"label":"EPS","value":"$ (0.22)"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"806ee558e4beb3a8f43b733defc3c45434db3684","claim":"OppFi Inc. reported the year ended December 31, 2022 results: revenue $ 452,859, net income $ 3,340, EPS $ 0.05.","evidence_excerpt":"% Adjusted EPS(1,2) $ (0.19) $ 0.13 (242.3) % (in thousands, except per share data) Unaudited Year Ended December 31, Change 2022 2021 % Total revenue $ 452,859 $ 350,568 29.2% Net income $ 3,340 $ 89,795 (96.3) % Adjusted net income(1) $ 4,976 $ 65,819 (92.4) % Adjusted EBITDA(1) $ 53,866 $ 116,857 (53.9) % Basic EPS(a) $","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1818502/000181850223000004/0001818502-23-000004-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2022"},{"label":"Revenue","value":"$ 452,859"},{"label":"Net income","value":"$ 3,340"},{"label":"EPS","value":"$ 0.05"},{"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"}