Oppfi Inc. (OPFI-WT) — SEC Filings
Oppfi Inc. (OPFI-WT) — 37 SEC filings. Latest: 10-Q (Nov 6, 2025). Includes 20 8-K, 6 10-Q, 4 SC 13G/A.
Overview
Oppfi Inc. (OPFI-WT) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Nov 6, 2025: OppFi Inc. reported a significant increase in net income attributable to OppFi Inc. for the three months ended September 30, 2025, reaching $41.635 million, up from $4.264 million in the prior year period. This surge was primarily driven by a substantial change in the fair value of warrant liabiliti
Sentiment Summary
Across 37 filings, the sentiment breakdown is: 1 bullish, 1 bearish, 34 neutral, 1 mixed. The dominant filing sentiment for Oppfi Inc. is neutral.
Filing Type Overview
Oppfi Inc. (OPFI-WT) has filed 6 10-Q, 20 8-K, 2 DEF 14A, 2 10-K, 4 SC 13G/A, 2 SC 13G, 1 SC 13D/A with the SEC between Feb 2024 to Nov 2025.
Filings by Year
Recent SEC Filings (37)
Risk Profile
Risk Assessment: Of OPFI-WT's 31 recent filings, 1 were flagged as high-risk, 13 as medium-risk, and 17 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $155.089M |
| Net Income | $41.635M |
| EPS | $0.77 |
| Debt-to-Equity | N/A |
| Cash Position | $75.193M |
| Operating Margin | N/A |
| Total Assets | $720.615M |
| Total Debt | $320.844M |
Key Executives
- Todd G. Schwartz
- Joshua M. Samek, Esq.
- David Vennettilli
- BEN LEVINE
- STEFAN RENOLD
Industry Context
OppFi operates in the digital finance sector, providing installment loans to 'everyday Americans' through partnerships with banks. This sector is characterized by increasing competition from fintech companies and traditional financial institutions, alongside evolving regulatory scrutiny on consumer lending practices and interest rates.
Top Tags
8-K (6) · financial-condition (5) · regulation-fd (5) · 10-Q (4) · results-of-operations (3) · financial-obligation (3) · quarterly-report (3) · disclosure (3) · material-definitive-agreement (3) · OppFi Inc. (3)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net income attributable to OppFi Inc. | $41.635M | Increased from $4.264M in Q3 2024, a 876% increase. |
| Total Revenue | $155.089M | Increased from $136.593M in Q3 2024, a 13.5% increase. |
| Change in fair value of warrant liabilities | $31.688M | Swung from a $(1.445)M expense in Q3 2024 to a significant income in Q3 2025, boosting net income. |
| Finance receivables at fair value | $541.899M | Increased from $473.696M at Dec 31, 2024, indicating business growth. |
| Diluted EPS | $0.77 | Increased from $0.21 in Q3 2024, reflecting higher net income. |
| Total cash and restricted cash | $75.193M | Decreased from $88.288M at Dec 31, 2024, indicating cash utilization. |
| Senior debt, net | $320.844M | Increased from $318.758M at Dec 31, 2024, contributing to higher liabilities. |
| Total liabilities | $443.361M | Increased from $406.958M at Dec 31, 2024, reflecting increased debt and warrant liabilities. |
| Net Loss | -$1.5M | OppFi's net loss for Q2 2025, a significant decline from prior year's net income. |
| Prior Year Net Income | $1.2M | OppFi's net income for Q2 2024, highlighting the swing to a loss. |
| Class A Shares Outstanding | 40.0M | Total Class A common stock outstanding as of June 30, 2025, showing a slight increase. |
| Retained Earnings | $98.5M | OppFi's retained earnings as of June 30, 2025, down from $100.0 million. |
| Non-Controlling Interest | $9.9M | OppFi's non-controlling interest as of June 30, 2025, a slight decrease. |
| SEC File Number | 001-39550 | Identifies the company's registration with the SEC. |
| Central Index Key | 0001818502 | Unique identifier for the company in SEC filings. |
Forward-Looking Statements
- {"claim":"LMR Partners LLP will maintain a passive investment strategy in OppFi Inc. for the foreseeable future.","entity":"LMR Partners LLP","targetDate":"2025-12-31","confidence":"high"}
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Frequently Asked Questions
What are the latest SEC filings for Oppfi Inc. (OPFI-WT)?
Oppfi Inc. has 37 recent SEC filings from Feb 2024 to Nov 2025, including 20 8-K, 6 10-Q, 4 SC 13G/A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of OPFI-WT filings?
Across 37 filings, the sentiment breakdown is: 1 bullish, 1 bearish, 34 neutral, 1 mixed. The dominant sentiment is neutral.
Where can I find Oppfi Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Oppfi Inc. (OPFI-WT) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Oppfi Inc.?
Key financial highlights from Oppfi Inc.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for OPFI-WT?
The investment thesis for OPFI-WT includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Oppfi Inc.?
Key executives identified across Oppfi Inc.'s filings include Todd G. Schwartz, Joshua M. Samek, Esq., David Vennettilli, BEN LEVINE, STEFAN RENOLD.
What are the main risk factors for Oppfi Inc. stock?
Of OPFI-WT's 31 assessed filings, 1 were flagged high-risk, 13 medium-risk, and 17 low-risk.
What are recent predictions and forward guidance from Oppfi Inc.?
Recent forward-looking statements from Oppfi Inc. include guidance on {"claim":"LMR Partners LLP will maintain a passive investment strategy in OppFi Inc. for the foreseeable future.","entit.