---
schema_version: "secwatch.filing_event.v1"
accession: "0001818502-23-000015"
form_type: "8-K"
ticker: "OPFI"
cik: "0001818502"
company_name: "OppFi Inc."
filed_at: "2023-11-09T23:59:59+00:00"
generated_at: "2026-06-08T07:26:21.394685+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# OppFi Q3 revenue up 7% to $133M, net income $15.5M, raises FY adjusted EPS guidance

## Summary
- Total revenue $133.2M (+7% YoY); net income $15.5M vs ($0.7M) loss in Q3 2022.
- Adjusted net income $13.8M (vs $0.8M); adjusted EPS $0.16 (vs $0.01) YoY.
- Basic & diluted EPS $0.13; net charge-off rate improved to 42% of revenue (down 23% YoY).
- Raised full-year adjusted net income and adjusted EPS guidance for third time in 2023.

## SEC filing metadata
- accession: 0001818502-23-000015
- form_type: 8-K
- ticker: OPFI
- cik: 0001818502
- company_name: OppFi Inc.
- filed_at: 2023-11-09T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1818502/000181850223000015/0001818502-23-000015-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1818502/000181850223000015/opfi-20231109.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001818502-23-000015
- JSON: https://secwatch.observer/filing/0001818502-23-000015.json
- Plain text: https://secwatch.observer/filing/0001818502-23-000015.txt

## Key facts
- Earnings Releases
  OppFi Inc. reported third quarter ended September 30, 2023 results: revenue $133.2 million, net income $15.5 million, EPS $0.13 (basic and diluted).
  - Period: third quarter ended September 30, 2023
  - Revenue: $133.2 million
  - Net income: $15.5 million
  - EPS: $0.13 (basic and diluted)
  - Result: reported results
  source text: Total revenue increased 7% year over year to $133.2 million for third quarter of 2023 Net income of $15.5 million for third quarter of 2023 Adjusted net income of $13.8 million for third quarter of 2023 Basic and Diluted EPS of $0.13 and $0.13, respectively, for third quarter of 2023 Adjusted EPS of $0.16 for third quarter of 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1818502/000181850223000015/0001818502-23-000015-index.htm

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