Welcome to our dedicated page for OppFi SEC filings (Ticker: OPFI), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
OppFi Inc. filings document a public digital-finance company with Class A common stock and warrants, bank-partner consumer-credit operations, and receivables-based funding arrangements. Form 8-K reports furnish quarterly and annual financial results, earnings presentations, Regulation FD materials, share repurchase authorizations, and material definitive agreements involving OppFi-LLC and related funding subsidiaries.
Proxy materials cover annual-meeting voting matters, director elections, board governance, and stockholder procedures. Credit-agreement disclosures describe revolving facilities, borrowing-base mechanics, eligible receivables, seller subsidiaries, collateral and performance triggers, covenants, maturity terms, and default provisions that support OppFi's finance-charge revenue model.
OppFi Inc. ownership disclosure: Wellington Trust Company reports beneficial ownership of 1,462,035 shares of Common Stock, representing 5.53% of the class, with shared voting and shared dispositive power over those shares. The filing is signed by an authorized person and dated 05/15/2026.
OppFi Inc. ownership disclosure: Wellington-affiliated entities report 2,630,168 shares beneficially owned, representing 9.95% of common stock as stated on the cover pages. The filing lists shared voting and dispositive powers across Wellington entities (including 1,966,268 shared votes and 2,630,168 shared dispositive power).
The Schedule 13G/A attributes ownership to multiple Wellington entities and notes these shares are held of record by clients of Wellington investment advisers; the cover pages identify the reporting persons and their jurisdictions.
OppFi Inc. discussed its proposed acquisition of BNCCORP, Inc. and BNC National Bank in a cash-and-stock transaction valued at $130 million, targeting a close in Q4 2026, subject to regulatory approvals. Management said BNC has a deposit base of approximately $1 billion (end of '25) with over 80% of deposits carrying a cost of less than 2%.
OppFi forecasts the combination to be accretive to adjusted EPS by 25% in year one, 40% in year two, and 50% in year three, and to deliver synergy-driven adjusted EPS gains of $60 million, $90 million, and $115 million in the first, second, and third years post-closing. The company plans to invest more than $150 million in 2026 to support integration, product development, and other strategic initiatives.
OppFi Inc. reported sharply higher quarterly profit while managing portfolio growth and credit costs. For the three months ended March 31, 2026, total revenue rose 8.3% to $151.9 million, driven by larger average receivables. Net income climbed to $54.0 million from $20.4 million, mainly due to a $21.3 million gain from the change in fair value of warrant liabilities, despite higher charge-offs and operating expenses. Net revenue fell 3.9% as change in fair value of finance receivables increased 30.6% to $64.6 million. Ending receivables grew 9.4% to $444.9 million, while net charge-offs as a percentage of average receivables increased to 55.5% annualized. OppFi reduced senior debt to $284.3 million, repurchased $9.9 million of Class A shares, and ended the quarter with $99.9 million in cash and restricted cash.
OppFi Inc. reported record first-quarter 2026 revenue and sharply higher profits while announcing a major new buyback plan. Total revenue rose 8.3% year over year to $151.9 million, driven by higher receivables. Net income jumped to $54.0 million, with net income attributable to OppFi at $28.4 million, compared with a loss a year earlier.
On a non-GAAP basis, Adjusted net income declined 11.2% to $30.0 million and Adjusted EPS slipped to $0.35 as credit costs increased; net charge-offs rose to 42.5% of total revenue and 55.5% of average receivables, annualized. Free cash flow improved to $69.3 million.
During the quarter, OppFi repurchased 1,040,699 Class A shares for $9.9 million at an average price of $9.54. The board has approved a new share repurchase program authorizing up to $40 million of additional Class A common stock repurchases through May 2029, replacing the prior program. The company also issued full-year 2026 guidance, targeting total revenue of $650 million to $675 million, Adjusted net income of $153 million to $160 million, and Adjusted EPS of $1.76 to $1.84.
OppFi Inc. director David Vennettilli reported an open-market sale of 10,000 shares of Class A Common Stock at $10.00 per share. The sale was made under a pre-arranged Rule 10b5-1 trading plan adopted on December 9, 2025. After the sale, he holds 132,389 shares directly and 284,501 shares indirectly through the DAV 513 Revocable Trust, where he is sole trustee and beneficiary.
OppFi Inc. Chief Risk & Analytics Officer Christopher J. McKay reported a routine tax-related share disposition. On the reported date, 357 shares of Class A Common Stock were withheld to cover tax withholding obligations tied to settlement of a previously reported performance-based restricted stock unit award. After this withholding, McKay directly holds 1,536,746 shares of OppFi Class A Common Stock.
OppFi Inc. CFO Pamela D. Johnson reported that 469 shares of Class A Common Stock were withheld at $9.5100 per share on May 4, 2026 to cover tax obligations from the settlement of a previously reported performance-based restricted stock unit award. After this tax-withholding disposition, she directly holds 163,874 shares of OppFi Class A Common Stock.
OppFi Inc.'s major shareholders updated their ownership and governance arrangements in this amended Schedule 13D. Todd G. Schwartz now beneficially owns 27,347,975 shares of Class A Common Stock, representing 32.03% of the class, through direct holdings, the TGS Revocable Trust and related limited partnerships.
Theodore G. Schwartz beneficially owns 21,900,266 Class A shares, or 25.65% of the class, primarily via LTHS Capital Group LP and LTHS Revocable Trust. A Corporate Simplification Agreement dated April 28, 2026 triggered large exchanges of OppFi Units, cancellation of all remaining Class V Voting Stock and early termination of the Tax Receivable Agreement in exchange for an early termination payment.