---
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"
generated_at: "2026-06-05T01:49:40.783884+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# OppFi beats 2023 earnings guidance; Q4 revenue up 10.7% YoY to $132.9M

## Summary
- 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

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001818502-24-000004
- JSON: https://secwatch.observer/filing/0001818502-24-000004.json
- Plain text: https://secwatch.observer/filing/0001818502-24-000004.txt

## Key facts
- Earnings Releases
  OppFi Inc. reported the fourth quarter ended December 31, 2023 results: revenue $132.9 million, net income $1.9 million.
  - Period: the fourth quarter ended December 31, 2023
  - Revenue: $132.9 million
  - Net income: $1.9 million
  - Result: reported results
  source text: Total revenue increased 10.7% year over year to $132.9 million for fourth quarter of 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1818502/000181850224000004/0001818502-24-000004-index.htm
- Earnings Releases
  OppFi Inc. reported the year ended December 31, 2023 results: revenue $132.9 million, net income $39.5 million.
  - Period: the year ended December 31, 2023
  - Revenue: $132.9 million
  - Net income: $39.5 million
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1818502/000181850224000004/0001818502-24-000004-index.htm

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