---
schema_version: "secwatch.filing_event.v1"
accession: "0001818502-24-000018"
form_type: "8-K"
ticker: "OPFI"
cik: "0001818502"
company_name: "OppFi Inc."
filed_at: "2024-11-07T23:59:59+00:00"
generated_at: "2026-05-30T03:46:13.682232+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# OppFi reports record Q3 net income $32.1M (+106% YoY), raises FY adjusted EPS guidance to $0.85-$0.87

## Summary
- Net income record $32.1M, up 106.4% YoY; adjusted net income $28.8M, up 116.2% YoY.
- Total revenue record $136.6M, up 2.6% YoY; net charge-off rate improved 810 bps to 34.3%.
- Adjusted EPS $0.33, up 112.4% YoY; basic/diluted EPS $0.21.
- FY2024 adjusted EPS guidance raised to $0.85-$0.87 from $0.73-$0.75.
- Repurchased $1.0M of Class A common stock in Q3.

## SEC filing metadata
- accession: 0001818502-24-000018
- form_type: 8-K
- ticker: OPFI
- cik: 0001818502
- company_name: OppFi Inc.
- filed_at: 2024-11-07T23:59:59+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/1818502/000181850224000018/0001818502-24-000018-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1818502/000181850224000018/opfi-20241107.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001818502-24-000018
- JSON: https://secwatch.observer/filing/0001818502-24-000018.json
- Plain text: https://secwatch.observer/filing/0001818502-24-000018.txt

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