Short answer
OppFi Inc. (OPFI) filed its Q2 2026 10-Q quarterly report on Aug 10, 2026 for the quarter ended Jun 30, 2026. Quarterly revenue was $86M (down 14.0% year over year) with net income of $15M.
Q2 2026 key financials · XBRL
- Revenue
- $86M
- −14.0% YoY · −1.3% QoQ
- Net income
- $15M
- +171.4% YoY · −47.7% QoQ
- Operating margin
- 28.3%
- EPS (diluted)
- $0.18
- +122.5% YoY · −67.9% QoQ
Source: XBRL data from the OppFi Inc. (OPFI) Q2 2026 10-Q on SEC EDGAR. USD.
OppFi Inc. Q2 2026 10-Q analysis
AI summary of MD&A and risk factor updates
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
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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