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.
The OppFi Inc. (NYSE: OPFI) SEC filings page on Stock Titan organizes the company’s regulatory disclosures from the U.S. Securities and Exchange Commission, with AI-powered tools to help interpret key information. OppFi uses current reports on Form 8-K to announce material events such as quarterly financial results, new or amended revolving credit agreements, changes to its share repurchase program, and supplemental investor information about its outstanding public warrants.
Through these filings, investors can see how OppFi describes its business as a tech-enabled digital finance platform that partners with banks to provide financial products and services to everyday Americans, and how it reports metrics like total revenue, net income, adjusted net income, total net originations, ending receivables, and other performance indicators. Non-GAAP measures such as Adjusted Net Income and Adjusted EPS are explained and reconciled to GAAP figures in the company’s earnings materials referenced in its 8-Ks.
On this page, users can quickly access OppFi’s Forms 8-K and, via links to other SEC documents, review annual and quarterly reports that provide broader context on its credit-focused operations, financing facilities, and capital structure, including its Up-C structure and public warrants. Stock Titan’s AI-generated summaries highlight the main points of lengthy filings, clarify technical language, and surface items such as new credit agreements, covenant terms, and updates to repurchase authorizations or warrant-related disclosures.
For those monitoring regulatory developments around OppFi, this filings hub offers real-time updates from EDGAR, structured data views, and concise explanations that make it easier to understand how each filing may relate to the company’s financial position, funding arrangements, and shareholder-focused actions.
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.
OppFi Inc. director David Vennettilli reported internal equity restructuring involving Class A and Class V interests, without any open-market buying or selling. A trust associated with him, DAV 513 Revocable Trust, exercised Exchange Rights on April 28, 2026 to convert 284,501 Class A Common Units in Opportunity Financial, LLC into 284,501 shares of OppFi Class A Common Stock.
In connection with this exchange, 284,501 shares of Class V Common Stock, which represented voting, non-economic interests, were cancelled and disposed of to the issuer by OppFi Shares, LLC. After these transactions, Vennettilli also holds 142,389 shares of Class A Common Stock directly. The transactions reflect a shift from non-economic and non-voting positions into ordinary Class A equity.
OppFi Inc. insider Todd G. Schwartz reported a restructuring of his indirect ownership interests tied to a corporate simplification of Opportunity Financial, LLC. Entities associated with him, including TGS Capital Group LP and TGS MCS Capital Group LP, exercised Exchange Rights on Common Units of Opportunity Financial to receive shares of OppFi Class A Common Stock at no stated price.
In connection with this, OppFi Shares, LLC surrendered and had cancelled large blocks of Class V Common Stock as part of the Corporate Simplification Agreement, which eliminated these non‑economic voting shares when Common Units were exchanged. Following these transactions, Schwartz continues to hold Class A Common Stock both directly and indirectly through related entities, while prior Class V interests were surrendered back to the issuer.