Every 10-Q that OppFi Inc (OPFI) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow OPFI and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full OPFI filings page.
OppFi Inc. reported higher profitability for the three and six months ended June 30, 2026 while facing softer growth and higher credit costs. For the quarter, total revenue was $145.2 million, up 1.9% year over year, but a larger negative change in fair value of finance receivables reduced net revenue to $86.2 million, down 14.0%. Income from operations fell to $24.4 million from $44.8 million, yet net income rose to $15.6 million, aided by a favorable swing in warrant-liability fair value. Net income attributable to OppFi was $14.8 million, versus a prior-year loss.
For the first half, net income was $69.7 million and net income attributable to OppFi was $43.2 million, compared with a loss a year earlier. Finance receivables at fair value declined to $496.3 million, while ending receivables were broadly flat at $440.1 million. Net charge-offs as a percentage of average receivables increased to 52.3% for the quarter, reflecting elevated credit losses.
The company completed a Corporate Simplification, collapsing its Up‑C structure, eliminating noncontrolling interests, and increasing its deferred tax asset to $102.4 million, while agreeing to $40.8 million in early termination payments under its Tax Receivable Agreement. OppFi also approved a $40 million share repurchase program and repurchased 1.18 million shares for $11.2 million, leaving $38.8 million authorized. A pending acquisition of BNCCORP, Inc., valued at a preliminary $130.7 million, is expected to make BNC National Bank a wholly owned subsidiary, providing future deposit funding subject to regulatory and stockholder approvals and closing conditions.
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 stronger Q3 results. For the three months ended September 30, 2025, total revenue was $155.1 million versus $136.6 million a year ago, and income from operations rose to $48.4 million from $35.1 million. Net income was $75.9 million compared with $32.1 million, with diluted EPS of $0.77 versus $0.21. The quarter included a $31.7 million non‑cash gain from the change in fair value of warrant liabilities.
Finance receivables at fair value were $541.9 million as of September 30, 2025, up from $473.7 million at December 31, 2024. Cash and restricted cash totaled $75.2 million. The company expanded funding: a Second A&R Credit Agreement raised availability to $300 million (Tranches C and D) maturing in February 2029, and a new $150 million SPE IX revolving facility matures in September 2029; prior facilities were repaid and terminated without penalties. OppFi repurchased 710,430 Class A shares for $7.4 million in Q3, with $29.0 million remaining under its authorization, and paid a $0.25 per‑share dividend earlier in 2025.