{"schema_version":"secwatch.filing_event.v1","accession":"0001818502-25-000045","form_type":"8-K","ticker":"OPFI","cik":"0001818502","company_name":"OppFi Inc.","filed_at":"2025-10-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.582373+00:00","generated_at":"2026-05-17T01:42:29.469979+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"confidence":"high","headline":"OppFi Q3 net income $75.9M (+137% YoY); revenue $155.1M record; raises full-year guidance","bullets":["Q3 total revenue $155.1M record (+13.5% YoY); GAAP net income $75.9M (+136.9% YoY).","Adjusted net income $40.7M record (+41.4% YoY); raised FY guidance to $137-142M adjusted net income.","Auto approval rate improved to 79.1% from 76.0% in Q3 2024, driving operating efficiency.","Raised full year revenue guidance to $590M-$605M and adjusted EPS to $1.54-$1.60."],"urls":{"canonical":"https://secwatch.observer/filing/0001818502-25-000045","json":"https://secwatch.observer/filing/0001818502-25-000045.json","markdown":"https://secwatch.observer/filing/0001818502-25-000045.md","text":"https://secwatch.observer/filing/0001818502-25-000045.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1818502/000181850225000045/0001818502-25-000045-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1818502/000181850225000045/opfi-20251029.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:42:29.469979+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"}