---
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"
generated_at: "2026-05-25T11:10:28.498072+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# OppFi beats Q4 revised estimates, net income up 112% YoY, raises 2025 guidance

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- confidence: high
- sec_items: 1.02, 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001818502-25-000002
- JSON: https://secwatch.observer/filing/0001818502-25-000002.json
- Plain text: https://secwatch.observer/filing/0001818502-25-000002.txt

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