{"schema_version":"secwatch.filing_event.v1","accession":"0001818502-25-000022","form_type":"8-K","ticker":"OPFI","cik":"0001818502","company_name":"OppFi Inc.","filed_at":"2025-08-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:45.109536+00:00","generated_at":"2026-05-17T19:49:40.090105+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"OppFi Q2 record revenue $142.4M, adj net income $39.4M; raises FY guidance","bullets":["GAAP net income $11.5M (down 58.5% YoY); adjusted net income $39.4M (up 59.0% YoY), a record.","Total revenue $142.4M, up 12.8% YoY, a record; average yield 136.1%, up 130 bps YoY, a record.","Net charge-off rate 31.9% of revenue, down 60 bps YoY.","FY 2025 revenue guidance raised to $578M-$605M from $563M-$594M.","FY 2025 adjusted net income guidance raised to $125M-$130M from $106M-$113M."],"urls":{"canonical":"https://secwatch.observer/filing/0001818502-25-000022","json":"https://secwatch.observer/filing/0001818502-25-000022.json","markdown":"https://secwatch.observer/filing/0001818502-25-000022.md","text":"https://secwatch.observer/filing/0001818502-25-000022.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1818502/000181850225000022/0001818502-25-000022-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1818502/000181850225000022/opfi-20250806.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T19:49:40.090105+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"}