---
schema_version: "secwatch.filing_event.v1"
accession: "0001818502-23-000014"
form_type: "8-K"
ticker: "OPFI"
cik: "0001818502"
company_name: "OppFi Inc."
filed_at: "2023-10-18T23:59:59+00:00"
generated_at: "2026-06-09T21:56:02.575839+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "medium"
source: SEC EDGAR
---

# OppFi preliminary Q3 earnings beat consensus; full-year guidance to be raised

## Summary
- Preliminary Q3 earnings significantly beat analyst consensus estimate, per CEO Todd Schwartz.
- Revenue grew year over year on higher-quality originations and stronger customer payment activity.
- Net charge-off rate decreased as a percentage of total revenue year over year.
- Company expects to raise full-year 2023 earnings guidance for the third time on Nov 9 call.

## SEC filing metadata
- accession: 0001818502-23-000014
- form_type: 8-K
- ticker: OPFI
- cik: 0001818502
- company_name: OppFi Inc.
- filed_at: 2023-10-18T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: medium
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1818502/000181850223000014/0001818502-23-000014-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1818502/000181850223000014/opfi-20231018.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001818502-23-000014
- JSON: https://secwatch.observer/filing/0001818502-23-000014.json
- Plain text: https://secwatch.observer/filing/0001818502-23-000014.txt

## Key facts
- Earnings Releases
  OppFi Inc. reported preliminary financial results for the third quarter ended September 30, 2023.
  - Period: the third quarter ended September 30, 2023
  - Result: preliminary results
  source text: On October 18, 2023, OppFi Inc. (the “Company”) issued a press release announcing certain preliminary financial information for the third quarter ended September 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1818502/000181850223000014/0001818502-23-000014-index.htm

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