OPFI at a glance
OppFi Inc. (OPFI, SEC CIK 1818502) filed its latest 10-K annual report on March 12, 2026, a 10-Q quarterly report on August 10, 2026, an 8-K current report on September 21, 2026 and Form 4 insider filings as recently as October 5, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), OppFi Inc. (OPFI) reported revenue of $381.2 million (up 18.6% from FY2024) and net income of $26.3 million. Diluted EPS was $0.99.
- As of June 30, 2026, 26 institutional investment managers tracked by SignalX reported holding OppFi Inc. (OPFI) shares worth $105.6 million in 13F-HR filings.
- The most recent insider open-market purchase reported on Form 4 was by Schwartz Todd G. on September 14, 2026 of 1,940 shares at $7.80 per share.
- In the last 90 days, OPFI insiders reported 23 open-market purchases ($1.5M) and 3 open-market sales ($832K) on Form 4, a net purchase of $657K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $381.2M
- +18.6% vs prior year
- Insiders · 90 days
- 23 buys · 3 sells
- Net +$657K
- 13F holders
- 26 funds
- $105.6M · +1 vs prior quarter
- Latest 8-K
- Sep 21, 2026
- Item 8.01 · Item 2.03
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Quarterly revenue $145.2M, up 1.9% YoY from $142.4M
- Operating margin 16.8% vs 31.5% YoY, based on income from operations
- Net charge-offs 39.5% of revenue vs 31.9% YoY, worst portfolio metric
- Net originations $212.0M, down 9.3% YoY from $233.9M
- Bank merger expected Q4 2026, targeting lower-cost deposits amid increased regulatory requirements
Risk Factors
- New transaction risk triggered by April 28, 2026 BNCC merger agreement, with regulatory and stockholder approvals still required
- Most material update: approximately 6.8 million Class A shares expected for transaction consideration, diluting existing stockholders
- Regulatory risk from post-closing bank holding company status and expanded obligation to maintain compliance across applicable jurisdictions
- Operational integration risk from combining BNC’s business, technology platforms, personnel, controls, and procedures
- Market risk from transaction failure, including potential significant decline in Class A Common Stock price
AI summary of the OPFI 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- BNCC stockholders approved OppFi’s acquisition of BNCC and BNC National Bank on September 17, 2026
- Transaction remains subject to customary closing conditions, including regulatory approvals
Item 2.03: Creation of a Direct Financial Obligation
- $75.0M initial borrowing under $100.0M facility, supporting finance-receivable growth and working capital
- Fixed interest rate 12.50% before BNCC acquisition, rising to 13.50% afterward
Item 2.02: Results of Operations and Financial Condition
- OppFi reported second-quarter fiscal 2026 results for the period ended June 30, 2026
- Full financial results are provided in Exhibit 99.1, the accompanying press release
Item 1.01: Entry into a Material Definitive Agreement
- $100.0M maximum secured borrowing capacity; no loans drawn at signing
- 12.50% fixed interest before BNCCORP acquisition, increasing to 13.50% afterward
Item 7.01: Regulation FD Disclosure
- OppFi furnished an earnings presentation on August 10, 2026, supporting its accompanying earnings release
- Exhibit 99.2 contains the presentation and is the key source for operating and financial details
Item 7.01: Regulation FD Disclosure
- Investor presentation furnished under Regulation FD for use in investor and analyst meetings
- Presentation reflects information as of the 8-K date and may become outdated without updates
AI summaries of OPFI 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for OPFI
Don't miss the next OPFI filing
- Alerts as it files. A push when OPFI files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut OPFI, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Johnson Pamela D. | F | Oct 1, 2026 | 496 | $6.03 |
| Schwartz Todd G. | F | Oct 1, 2026 | 4,497 | $6.03 |
| McKay Christopher J. | F | Oct 1, 2026 | 396 | $6.03 |
| Schwartz Todd G. | F | Oct 1, 2026 | 2,643 | $6.03 |
| McKay Christopher J. | F | Oct 1, 2026 | 1,970 | $6.03 |
| McKay Christopher J. | F | Oct 1, 2026 | 1,369 | $6.03 |
| Johnson Pamela D. | F | Oct 1, 2026 | 1,974 | $6.03 |
| Johnson Pamela D. | F | Oct 1, 2026 | 1,715 | $6.03 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $273.2M | $321.5M | $381.2M |
| Operating Income | $46.4M | $94.5M | $166.7M |
| Net Income | - | $7.3M | $26.3M |
| Op. Margin | 17.0% | 29.4% | 43.7% |
| Net Margin | - | 2.3% | 6.9% |
| Balance Sheet | |||
| Total Assets | $601.5M | $641.2M | $754.1M |
| Equity | $10.4M | $32.8M | $58.5M |
| ROE | - | 22.1% | 45.0% |
| Per Share | |||
| EPS | $-0.06 | $0.36 | $0.99 |
| Cash Flow | |||
| Operating CF | $296.1M | $323.8M | $401.3M |
Source: XBRL data in OppFi Inc. (OPFI)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate OPFI share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 26 | $105.6M |
| Q1 2026 | 25 | $72.9M |
| Q4 2025 | 25 | $111.0M |
| Q3 2025 | 23 | $126.4M |
| Q2 2025 | 25 | $126.4M |
| Q1 2025 | 20 | $49.1M |
| Q4 2024 | 15 | $28.0M |
| Q3 2024 | 12 | $8.6M |
- Vanguard Capital Management LLC+1.03M (+87%)
- Citadel Advisors LLC+555.5K (+109%)
- Ameriprise Financial+323.3K (+259%)
- Dimensional Fund Advisors+220.1K (+52%)
- Goldman Sachs Group+125.6K (+38%)
- Two Sigma Investments−427.0K (-39%)
- JPMorgan Chase & Co−380.0K (-57%)
- Morgan Stanley−294.5K (-41%)
- Millennium Management−108.7K (-25%)
- Renaissance Technologies LLC−97.3K (-15%)
- Mangrove Partners+12.0K
- U.S. Bancorp+233
- D.E. Shaw & Co−26.1K
Source: 13F-HR filings on SEC EDGAR (aggregated from 171 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
OPFI filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 8-K | Sep 21, 2026 | - | Analysis | - |
| 4 | Sep 15, 2026 | - | - | - |
| 4 | Sep 15, 2026 | - | - | - |
| 4 | Sep 11, 2026 | - | - | - |
| 4 | Sep 10, 2026 | - | - | - |
| 4 | Sep 9, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 4, 2026 | - | - | - |
| 4 | Sep 3, 2026 | - | - | - |
| 4 | Sep 2, 2026 | - | - | - |
| 4 | Sep 1, 2026 | - | - | - |
| 4 | Aug 31, 2026 | - | - | - |
| 4 | Aug 28, 2026 | - | - | - |
| 4 | Aug 28, 2026 | - | - | - |
| 4 | Aug 27, 2026 | - | - | - |
| 4 | Aug 26, 2026 | - | - | - |
| 4 | Aug 25, 2026 | - | - | - |
| 4 | Aug 24, 2026 | - | - | - |
| 4 | Aug 21, 2026 | - | - | - |
| 4 | Aug 21, 2026 | - | - | - |
| 4 | Aug 20, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
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OPFI SEC filings: frequently asked questions
Are OPFI insiders buying or selling?
In the last 90 days, OppFi Inc. (OPFI) officers, directors and 10% owners reported 23 open-market purchases worth $1.5 million by 1 insider and 3 open-market sales worth $832,132 by 3 insiders on Form 4, a net purchase of $656,552. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold OPFI stock?
As of June 30, 2026, the largest OppFi Inc. (OPFI) holders among the 13F filers tracked by SignalX were Vanguard Capital Management LLC ($22.0 million), BlackRock ($20.3 million), Citadel Advisors LLC ($10.6 million), Two Sigma Investments ($6.6 million), Dimensional Fund Advisors ($6.4 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was OPFI's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), OppFi Inc. (OPFI) reported revenue of $381.2 million (up 18.6% from FY2024) and net income of $26.3 million. Diluted EPS was $0.99. The figures come from the XBRL data in the 10-K.
What did OPFI report in its latest 8-K?
OppFi Inc. (OPFI) filed an 8-K on September 21, 2026 reporting Item 8.01 (Other Events) and Item 2.03 (Creation of a Direct Financial Obligation). BNCC stockholders approved OppFi’s acquisition of BNCC and BNC National Bank on September 17, 2026.
What are the latest OPFI SEC filings?
OppFi Inc. (OPFI) filed its latest 10-K annual report on March 12, 2026, a 10-Q quarterly report on August 10, 2026, an 8-K current report on September 21, 2026 and a Form 4 insider filing on October 5, 2026.
What is OPFI's SEC CIK number?
OppFi Inc. (OPFI)'s SEC Central Index Key (CIK) is 1818502. EDGAR lists every OPFI filing under that number.
Ask anything about OPFI
The research agent reads OPFI's filings, financials, insider trades and 13F holders, then answers with sources.