Every 8-K 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 8-K covers material events a company has to report between its quarterly 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. entered into a new Senior Secured Multi-Draw Term Loan Agreement providing up to $100.0 million of funding through a wholly owned special purpose subsidiary. The facility carries a fixed interest rate of 12.50% per annum before, and 13.50% per annum after, the pending BNCCORP/BNC Bank acquisition, plus a 1.25% original issue discount on each draw, amortizes semi-annually at 10% of funded principal, and matures four years after the initial draw. It is secured by all assets of the borrower, primarily residual interests in consumer loan SPVs, is subject to a borrowing base and financial covenants that shift after the bank acquisition, and permits voluntary prepayments with make‑whole-like interest if prepayments exceed a threshold in the first three years.
For the quarter ended June 30, 2026, OppFi reported record second‑quarter total revenue of $145.2 million, up 1.9% year over year, and net income of $15.6 million, up 36.0%, with net income attributable to OppFi Inc. of $14.8 million and diluted EPS of $0.18. Six‑month total revenue was $297.1 million, up 5.1%, and net income was $69.7 million, up 118.5%, while adjusted net income declined versus 2025. Credit costs rose, with quarterly net charge‑offs at 39.5% of total revenue and 52.3% of average receivables, annualized. OppFi ended the quarter with $91.8 million in cash and restricted cash, total debt of $276.5 million, and ending receivables of $440.1 million, and generated $104.3 million of free cash flow in the first half. The company repurchased $11.2 million of stock under a new $40 million buyback authorization and updated 2026 guidance to total revenue of $600–$625 million and adjusted EPS of $1.34–$1.51.
OppFi Inc. furnished an investor presentation highlighting strong recent growth and a planned acquisition of BNCCORP, Inc. to create a broader digital banking platform. The company reports 11 consecutive years of positive net income, with total revenue rising from $509M in FY 2023 to $597M in FY 2025 and adjusted net income increasing from $41M to $140M over the same period.
Adjusted return on equity reached 51.5% and adjusted return on assets 20.0% in 2025, supported by operating expense leverage and lower debt. OppFi targets $500M in adjusted net income within five years by combining with BNCCORP, expanding nationally across consumer and small business products, and lowering funding costs using bank deposits.
OppFi Inc. reported the results of its 2026 Annual Meeting of Stockholders. Of 85,377,560 shares entitled to vote, 78,986,471.30 shares were represented, providing a quorum. Stockholders elected directors Theodore Schwartz and Greg Zeeman to serve until the 2029 annual meeting.
Stockholders approved, on a non-binding advisory basis, the 2025 compensation of the company’s named executive officers and selected a 1-year frequency for future advisory votes on executive pay. They also ratified the appointment of RSM US LLP as OppFi’s independent registered public accounting firm for the 2026 fiscal year. The board decided to hold future advisory votes on executive compensation every year unless it later determines a different frequency is in the company’s best interest or a new frequency vote is required.
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. signed a definitive agreement to acquire BNCCORP, Inc. and BNC National Bank in a cash-and-stock deal valued at approximately $130 million, with BNCC stockholders receiving $19.375 in cash plus 1.90 OppFi Class A shares per BNCC share.
After closing, OppFi stockholders are expected to own about 93% of the combined company and BNCC stockholders about 7%, with completion targeted for the fourth quarter of 2026, subject to bank regulatory and BNCC stockholder approvals. OppFi expects at least 25% Adjusted EPS accretion in 2027 and more than 40% in 2028.
OppFi also collapsed its Up‑C structure so that all stockholders now hold Class A common stock and OpCo is wholly owned. It agreed to early terminate its Tax Receivables Agreement via discounted payments totaling about $40.8 million, tied to tax amortizable goodwill of roughly $466 million and an estimated $111 million in future cash tax savings. OppFi additionally issued 734,851 unregistered Class A shares in the OpCo Merger.
OppFi Inc. updated a key financing arrangement and unwound a prior off-balance-sheet structure. On April 10, 2026, its subsidiary entered a Third Amendment to a revolving credit agreement that, among other changes, allows additional bank partner states and adjusts eligibility and concentration criteria so receivables acquired from the Gray Rock facility can be sold into this funding line.
On April 15, 2026, OppFi-LLC terminated total return swaps tied to a $75 million Gray Rock revolving credit agreement after the underlying loans were fully repaid. On that date, OppFi-LLC purchased the Gray Rock consumer receivables, funded by approximately $46.5 million borrowed under the amended facility, and incurred no termination penalties.
OppFi Inc. reported record 2025 results with strong growth in revenue, earnings and cash generation. Total revenue reached $597.1 million, up 13.5% year over year, while net income rose 74.4% to $146.2 million. Adjusted net income increased 69.1% to $139.8 million, and adjusted EPS grew to $1.59 from $0.95.
Q4 2025 revenue was $159.3 million, up 17.3%, with net income of $38.4 million and adjusted net income of $25.8 million. Ending receivables were $493.1 million, 16% higher year over year. Operating efficiency improved, with total expenses falling to 35.9% of revenue for the year.
OppFi generated $93.5 million of free cash flow, repaid $30 million of term debt, paid a $0.25 per share special dividend totaling $21 million, and repurchased $15.5 million of stock. For 2026, the company guides to revenue of $650–$675 million, adjusted net income of $153–$160 million and adjusted EPS of $1.76–$1.84.
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.
OppFi Inc., through its subsidiaries, entered into a new senior secured revolving credit agreement providing up to $150.0 million of borrowing capacity. The facility bears interest at the Term Secured Overnight Financing Rate plus 6.00% and matures on September 29, 2029, replacing a prior $150.0 million facility that was scheduled to mature on December 14, 2026.
The agreement is subject to a borrowing base and financial covenants tied to minimum tangible net worth, liquidity and maximum consolidated debt to tangible net worth, with mandatory prepayments if borrowings exceed the borrowing base. A portion of the proceeds was used to repay approximately $79.0 million outstanding and terminate the prior revolving credit agreement, and the company plans to use the remaining capacity to support growth in its finance receivables.
OppFi Inc. announced that its board of directors approved an increase to its existing share repurchase program, authorizing the company to buy an additional $20 million of Class A common stock and bringing total authorization to $40 million. Before this increase, OppFi had repurchased approximately 1.4 million shares for about $7.6 million, including roughly 390,000 shares during the third quarter of 2025, leaving about $32.4 million of remaining capacity under the program.
Repurchases may be made from time to time in the open market, through privately negotiated transactions, or other methods, consistent with Rule 10b-18 and potential Rule 10b5-1 trading plans, and the program can be extended, modified, suspended, or discontinued. The program runs through April 2027. For each share repurchased, Opportunity Financial, LLC will redeem one of its Class A common units held by OppFi, which reduces OppFi’s ownership percentage of the subsidiary and relatively increases the ownership of the other members.
OppFi Inc. reported that it has released a press release and a supplemental investor presentation focused on its outstanding warrants to purchase shares of its Class A common stock. Both the press release and the presentation are being shared for informational purposes and are furnished, rather than filed, under securities laws, which limits how they are incorporated into other regulatory reports. The materials are provided as Exhibits 99.1 and 99.2 and are intended to give investors additional detail about the company’s warrant securities.