secwatch.observer — SEC 8-K summary
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Issuer:     OppFi Inc. (OPFI)
CIK:        0001818502
Form:       8-K
Filed at:   2025-03-05T23:59:59+00:00
Accession:  0001818502-25-000002
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 1.02, 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1818502/000181850225000002/0001818502-25-000002-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1818502/000181850225000002/opfi-20250304.htm
  HTML page:      https://secwatch.observer/filing/0001818502-25-000002

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