OppFi furnishes Q3 2025 earnings release and presentation (8-K)

Rhea-AI Filing Summary

OppFi Inc. (OPFI) furnished an 8-K announcing its third-quarter results for the period ended September 30, 2025. On October 29, 2025, the company released a press release and an accompanying earnings presentation, provided as Exhibits 99.1 and 99.2.

The Exhibit 99.1 press release is titled “OppFi Reports Record Quarterly Revenue, Net Income, and Adjusted Net Income and Increases Full Year Guidance,” and Exhibit 99.2 contains the earnings presentation. The materials are furnished, not filed, under the Exchange Act, which affects how they may be incorporated by reference.

Insights

Equity research analyst

Routine 8-K furnishing Q3 2025 results; headline cites raised guidance.

OppFi furnished, rather than filed, its Q3 2025 earnings materials on October 29, 2025, including a press release (Ex. 99.1) and presentation (Ex. 99.2). The press release title cites record quarterly revenue and profit metrics and an increase to full-year guidance.

Because the materials are furnished, they are not subject to certain liabilities tied to “filed” information and are not automatically incorporated into other filings absent specific reference. Actual impact depends on the detailed figures and guidance ranges contained within the exhibits.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

FAQ

What did OppFi (OPFI) disclose in its 8-K?

OppFi furnished Q3 2025 financial results via a press release (Exhibit 99.1) and an earnings presentation (Exhibit 99.2).

When were the OppFi (OPFI) Q3 2025 materials released?

On October 29, 2025, covering the quarter ended September 30, 2025.

What do the exhibits include for OPFI?

Exhibit 99.1 is the press release; Exhibit 99.2 is the earnings presentation.

Is the OppFi (OPFI) information furnished or filed?

It is furnished, not filed, under the Exchange Act, which affects incorporation by reference.

Did OppFi mention guidance in this update?

The press release title states an increase in full-year guidance.

Where can I find detailed OPFI Q3 2025 figures?

In the furnished exhibits: the press release (99.1) and the earnings presentation (99.2).

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 10/29/2025 - 07:14 AM Learn about SEC filing dates

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

DATE OF REPORT (Date of earliest event reported): October 29, 2025

OppFi Inc.

(Exact Name of Registrant as Specified in its Charter)

Delaware			001-39550			85-1648122
(State or Other Jurisdiction of Incorporation)			(Commission File Number)			(IRS Employer Identification No.)

130 E. Randolph Street, Suite 3400

Chicago, Illinois 60601

(Address of Principal Executive Offices) (Zip Code)

Registrant’s telephone number, including area code: (312) 212-8079

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d- 2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e- 4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class			Trading Symbol			Name of Each Exchange on Which Registered
Class A common stock, par value $0.0001 per share			OPFI			The New York Stock Exchange
Warrants, each whole warrant exercisable for one share of Class A common stock, each at an exercise price of $11.50 per share			OPFI WS			The New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition.

On October 29, 2025, OppFi Inc. issued a press release announcing the financial results for the third quarter ended September 30, 2025. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference.

This information and the information contained in Exhibit 99.1 is furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as may be expressly set forth by specific reference in any such filing, regardless of any general incorporation language in the filing.

Item 7.01 Regulation FD Disclosure.

On October 29, 2025, OppFi Inc. issued an earnings presentation to accompany the press release. A copy of the earnings presentation is furnished as Exhibit 99.2 to this Current Report on Form 8-K and is incorporated herein by reference.

This information and the information contained in Exhibit 99.2 is furnished and shall not be deemed “filed” for purposes of Section 18 of the Exchange Act, or incorporated by reference in any filing under the Securities Act or the Exchange Act, except as may be expressly set forth by specific reference in any such filing, regardless of any general incorporation language in the filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

Exhibit Index

Exhibit Number						Description
99.1						Press Release from OppFi Inc. dated October 29, 2025, entitled “OppFi Reports Record Quarterly Revenue, Net Income, and Adjusted Net Income and Increases Full Year Guidance.”
99.2						OppFi Inc. Presentation dated October 29, 2025.
104						Cover Page Interactive Data File (the cover page tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: October 29, 2025			OppFi Inc.
			By:			/s/ Pamela D. Johnson
						Pamela D. Johnson
						Chief Financial Officer