{"schema_version":"secwatch.filing_event.v1","accession":"0001818502-25-000005","form_type":"8-K","ticker":"OPFI","cik":"0001818502","company_name":"OppFi Inc.","filed_at":"2025-05-07T23:59:59+00:00","discovered_at":"2026-05-14T18:02:49.864387+00:00","generated_at":"2026-05-22T08:45:03.918755+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"confidence":"high","headline":"OppFi Q1 record revenue $140.3M (+10.1% YoY); adj. net income $33.8M, up 285%; raises FY guidance.","bullets":["Q1 total revenue $140.3M, a record, up 10.1% YoY; exceeded quarterly guidance by >40%.","GAAP net income $20.4M, up 101.3% YoY; adjusted net income $33.8M, up 285.1% YoY (record).","Average annualized yield rose 630 bps to 135.8%; net charge-off rate fell 1,330 bps to 34.6% of revenue.","FY2025 adjusted net income guidance raised to $106-113M from prior $95-97M; EPS guidance also raised."],"urls":{"canonical":"https://secwatch.observer/filing/0001818502-25-000005","json":"https://secwatch.observer/filing/0001818502-25-000005.json","markdown":"https://secwatch.observer/filing/0001818502-25-000005.md","text":"https://secwatch.observer/filing/0001818502-25-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1818502/000181850225000005/0001818502-25-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1818502/000181850225000005/opfi-20250507.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-22T08:45:03.918755+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"}