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. CFO Pamela D. Johnson reported equity compensation activity involving restricted stock units and related tax withholding. On April 1, 2026, she received a grant of 27,073 RSUs, each representing one share of OppFi Class A Common Stock under the 2021 Equity Incentive Plan.
25% of these RSUs vested immediately on the grant date, with the remainder scheduled to vest in equal quarterly installments over the next three years, subject to continued service and plan terms. On April 2, 2026, a total of 5,673 shares of Class A Common Stock were withheld at $7.71 per share to cover tax obligations upon settlement of vested RSUs.
After these tax-withholding dispositions, Johnson’s direct ownership stood at 166,327 shares of Class A Common Stock. The transactions reflect routine equity compensation vesting and associated tax withholding rather than open-market buying or selling.
OppFi Inc filing reports that The Vanguard Group holds 0 shares (0%) of OppFi common stock. The filing amends prior disclosures to reflect an internal realignment at Vanguard on January 12, 2026, after which certain Vanguard subsidiaries report beneficial ownership separately.
OppFi Inc. director Jocelyn Moore reported an open-market sale of 8,190 shares of Class A common stock at $8.53 per share. The transaction was executed on March 12, 2026 under a pre-arranged Rule 10b5-1 trading plan adopted on December 11, 2025. After this sale, Moore directly holds 39,076 shares.
OppFi Inc. reports strong 2025 results and outlines its tech-enabled, bank-partner lending model for non-prime consumers. Revenue reached approximately $597.1 million, up from $526.0 million in 2024, while net income grew to about $146.2 million from $83.8 million.
The company’s OppLoans platform focuses on simple-interest installment loans averaging about $1,950 with no origination, late, or insufficient funds fees, and reports payments to all three major credit bureaus. From inception through December 31, 2025, OppFi facilitated more than $8.6 billion in gross loan issuance across over 4.7 million loans and served more than 1.6 million unique customers.
OppFi operates an “Up‑C” structure, with substantially all operations in OppFi‑LLC and a controlling voting interest held via Class V shares. The business relies on three FDIC‑insured bank partners to originate loans in 40 states and uses proprietary machine-learning models, with about 93.7% of 2025 credit decisions automated, to underwrite and service these products.
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. reported an insider-related transaction involving its voting-only Class V common stock. An entity associated with Chief Executive Officer Todd G. Schwartz, OppFi Shares, LLC, surrendered and cancelled 10,000 shares of Class V common stock to OppFi in a disposition to the issuer. These Class V shares represent non-economic interests that carry one vote per share but no direct economic rights. Following the transaction, 58,688,241 shares of Class V common stock remained held indirectly through OppFi Shares, LLC, with Schwartz noted as potential voting power holder through a trust relationship while disclaiming beneficial ownership except for any pecuniary interest.
OppFi Inc. (OPFI) received a Schedule 13G filing from multiple Wellington-affiliated entities disclosing beneficial ownership of 2,474,102 shares of OppFi common stock, representing 8.9% of the class. The shares are owned of record by clients of one or more Wellington investment advisers.
Wellington reports no sole voting or dispositive power over these shares, only shared voting and shared dispositive power through its advisory relationships. The filing states the position is held in the ordinary course of business and not for the purpose of changing or influencing control of OppFi.
OppFi Inc. CFO Pamela D. Johnson reported a routine share withholding related to equity compensation. On 02/03/2026, 541 shares of Class A common stock were withheld at $9.73 per share to cover tax obligations from a previously reported performance-based RSU award. After this tax withholding, Johnson directly beneficially owns 142,943 shares of OppFi Class A common stock.
OppFi Inc. officer Christopher J. McKay, the Chief Risk & Analytics Officer, reported a small share reduction due to tax withholding. On February 3, 2026, 363 shares of OppFi Class A common stock were withheld at $9.73 per share to satisfy tax obligations from a previously reported performance-based restricted stock unit award. After this withholding, McKay beneficially owned 166,018 shares of Class A common stock directly.