{"schema_version":"secwatch.filing_event.v1","accession":"0001818502-24-000004","form_type":"8-K","ticker":"OPFI","cik":"0001818502","company_name":"OppFi Inc.","filed_at":"2024-03-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:25.668176+00:00","generated_at":"2026-06-05T01:49:40.783884+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"OppFi beats 2023 earnings guidance; Q4 revenue up 10.7% YoY to $132.9M","bullets":["Full-year 2023 net income $39.5M, adjusted net income $43.3M; revenue $508.9M (+12.4% YoY)","Q4 2023 net income $1.9M vs Q4 2022 loss of $5.2M; adjusted net income $8.9M vs loss","Net charge-off rate as % of total revenue improved 8.1pp to 43.5% for full-year 2023","Diluted adjusted EPS $0.51 for full year vs $0.06 in 2022; Q4 adjusted EPS $0.10 vs ($0.19)","Provides outlook for continued profitable growth in 2024; strong balance sheet with optionality"],"urls":{"canonical":"https://secwatch.observer/filing/0001818502-24-000004","json":"https://secwatch.observer/filing/0001818502-24-000004.json","markdown":"https://secwatch.observer/filing/0001818502-24-000004.md","text":"https://secwatch.observer/filing/0001818502-24-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1818502/000181850224000004/0001818502-24-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1818502/000181850224000004/opfi-20240307.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-05T01:49:40.783884+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":"237d7bb50774ffabe99ed36f54f192875205dd16","claim":"OppFi Inc. reported the fourth quarter ended December 31, 2023 results: revenue $132.9 million, net income $1.9 million.","evidence_excerpt":"Total revenue increased 10.7% year over year to $132.9 million for fourth quarter of 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1818502/000181850224000004/0001818502-24-000004-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter ended December 31, 2023"},{"label":"Revenue","value":"$132.9 million"},{"label":"Net income","value":"$1.9 million"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"cd707578380a0359d8920eb4d51a6d7c0da59743","claim":"OppFi Inc. reported the year ended December 31, 2023 results: revenue $132.9 million, net income $39.5 million.","evidence_excerpt":"full-year 2023 Net charge o� rate as a percentage of total revenue improved by 8.1 percentage points to 43.5% for full-year 2023 Total revenue increased 10.7% year over year to $132.9 million for fourth quarter of 2023 Net income of $1.9 million for fourth quarter of 2023 Adjusted net income of $8.9 million for fourth quarter of 2023 Annualized net charge o� rate as a","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1818502/000181850224000004/0001818502-24-000004-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2023"},{"label":"Revenue","value":"$132.9 million"},{"label":"Net income","value":"$39.5 million"},{"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"}