Short answer
OppFi Inc. (OPFI) filed its Q1 2026 10-Q quarterly report on May 7, 2026 for the quarter ended Mar 31, 2026. Quarterly revenue was $87M (down 3.9% year over year) with net income of $28M.
Q1 2026 key financials · XBRL
- Revenue
- $87M
- −3.9% YoY
- Net income
- $28M
- +349.7% YoY
- Operating margin
- 40.5%
- EPS (diluted)
- $0.56
- +216.7% YoY
Source: XBRL data from the OppFi Inc. (OPFI) Q1 2026 10-Q on SEC EDGAR. USD.
OppFi Inc. Q1 2026 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue $151.9M, up 8.3% YoY from $140.3M, driven by higher average receivables
- Operating margin 23.3% vs 30.3% YoY, with operating income $35.4M vs $42.5M
- Net charge-offs 42.5% of revenue vs 34.6%; average yield 130.7% vs 135.8%
- Cash and restricted cash $99.9M, up 7.1%; debt $284.3M, down 11.5%
- Outlook: BNCC merger expected fourth quarter 2026; higher regulatory capital and compliance requirements envisioned
Risk Factors
- Newly added merger risk triggered by April 28, 2026 BNCC agreement, including regulatory and stockholder approval conditions
- Transaction consideration includes approximately 6.8 million Class A shares, diluting existing stockholders
- Bank integration risk from combining BNC operations, technology, personnel, controls, and compliance processes
- Regulatory risk from becoming a bank holding company and managing BNC’s differing operational, credit, market, and compliance risks
- Near-term execution risk from management distraction and potential disruption to customers, regulators, vendors, and employees
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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