{"schema_version":"secwatch.filing_event.v1","accession":"0001818502-25-000002","form_type":"8-K","ticker":"OPFI","cik":"0001818502","company_name":"OppFi Inc.","filed_at":"2025-03-05T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.041675+00:00","generated_at":"2026-05-25T11:10:28.498072+00:00","sec_items":["1.02","2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"confidence":"high","headline":"OppFi beats Q4 revised estimates, net income up 112% YoY, raises 2025 guidance","bullets":["Repaid all outstanding obligations and terminated Senior Secured Multi-Draw Term Loan Agreement on March 4, 2025.","Full-year 2024 net income rose 112.4% YoY to $83.8M; adjusted net income (record) up 99.2% to $82.7M.","Full-year 2024 adjusted EPS $0.95 (record, +95.5% YoY); net charge-offs as % of revenue improved 440 bps to 39.1%.","Q4 2024 net income $14.0M (+619.7% YoY); adjusted net income $20.3M (+140.3% YoY).","Guidance: Q1 2025 adjusted net income $22-24M; full-year 2025 expected to grow 15-17% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001818502-25-000002","json":"https://secwatch.observer/filing/0001818502-25-000002.json","markdown":"https://secwatch.observer/filing/0001818502-25-000002.md","text":"https://secwatch.observer/filing/0001818502-25-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1818502/000181850225000002/0001818502-25-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1818502/000181850225000002/opfi-20250304.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-25T11:10:28.498072+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}