{"filing":{"accession_number":"0001818502-26-000073","cik":"0001818502","ticker":"OPFI-WT","company_name":"OppFi Inc.","form":"8-K","filing_date":"2026-08-10","report_date":"2026-08-10","primary_document":"opfi-20260810.htm","primary_document_url":"https://www.sec.gov/Archives/edgar/data/1818502/000181850226000073/opfi-20260810.htm"},"events":[{"id":26595,"run_id":24174,"accession_number":"0001818502-26-000073","anchor_item_number":"1.01","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.95,"summary":"OppFi entered into a Senior Secured Multi-Draw Term Loan Agreement providing for maximum borrowings of $100.0 million at fixed interest rates (12.50% pre-acquisition, 13.50% post-acquisition), with a four-year maturity and semi-annual amortization, secured by substantially all assets of the borrower and guarantor.","company_name":"OppFi Inc.","ticker":"OPFI-WT","filing_date":"2026-08-10","form":"8-K","submitted_at":null,"items":[{"id":27769,"accession_number":"0001818502-26-000073","item_number":"1.01","item_title":"Entry into a Material Definitive Agreement.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.95,"reasoning":"OppFi entered into a Senior Secured Multi-Draw Term Loan Agreement providing for maximum borrowings of $100.0 million at fixed interest rates (12.50% pre-acquisition, 13.50% post-acquisition), with a four-year maturity and semi-annual amortization. This is a material creation of a new direct financial obligation secured by substantially all assets of the borrower and guarantor, fitting the debt_issuance category. The agreement's size, terms, and security provisions make it material to investors assessing the company's capital structure and financial obligations.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-08-10T20:23:23.753975+00:00","company_name":"","ticker":null,"filing_date":""},{"id":27771,"accession_number":"0001818502-26-000073","item_number":"2.03","item_title":"Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.","event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.85,"reasoning":"Item 2.03 incorporates by reference an agreement from Item 1.01, but the substantive disclosure furnished as EX-99.1 is OppFi's second quarter 2026 earnings release dated 2026-08-10. The release reports total revenue of $145.2 million (a company record for Q2), net income of $15.6 million (up 36% YoY), and updated full-year 2026 guidance. While Item 2.03 technically addresses a direct financial obligation, the material event disclosed in the filing is the earnings announcement with updated forward guidance.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-08-10T20:23:23.753975+00:00","company_name":"","ticker":null,"filing_date":""}]},{"id":26596,"run_id":24174,"accession_number":"0001818502-26-000073","anchor_item_number":"2.02","event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.97,"summary":"OppFi issued a press release on August 10, 2026 announcing second quarter 2026 financial results, including total revenue of $145.2 million (up 1.9% YoY, a company record for Q2) and net income of $15.6 million (up 36.0% YoY), along with six-month results and updated full-year 2026 guidance.","company_name":"OppFi Inc.","ticker":"OPFI-WT","filing_date":"2026-08-10","form":"8-K","submitted_at":null,"items":[{"id":27770,"accession_number":"0001818502-26-000073","item_number":"2.02","item_title":"Results of Operations and Financial Condition.","event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.98,"reasoning":"OppFi issued a press release on August 10, 2026 announcing second quarter 2026 financial results, disclosing total revenue of $145.2 million (up 1.9% YoY) and net income of $15.6 million (up 36.0% YoY), along with six-month results and full-year 2026 guidance. This is a standard quarterly earnings release furnished as Exhibit 99.1 under Item 2.02 (Results of Operations and Financial Condition).","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-08-10T20:23:23.753975+00:00","company_name":"","ticker":null,"filing_date":""},{"id":27772,"accession_number":"0001818502-26-000073","item_number":"7.01","item_title":"Regulation FD Disclosure.","event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.95,"reasoning":"OppFi issued a press release on August 10, 2026 disclosing second quarter 2026 financial results, including total revenue of $145.2 million (a company record for any second quarter) and net income of $15.6 million (up 36.0% year-over-year). The filing explicitly states that an earnings presentation was furnished as Exhibit 99.2, and the supplemental exhibit EX-99.1 contains the full news release with detailed financial tables, key performance metrics, and full-year 2026 guidance updates. This is a standard quarterly earnings disclosure.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-08-10T20:23:23.753975+00:00","company_name":"","ticker":null,"filing_date":""}]}],"classifications":[{"id":27769,"accession_number":"0001818502-26-000073","item_number":"1.01","item_title":"Entry into a Material Definitive Agreement.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.95,"reasoning":"OppFi entered into a Senior Secured Multi-Draw Term Loan Agreement providing for maximum borrowings of $100.0 million at fixed interest rates (12.50% pre-acquisition, 13.50% post-acquisition), with a four-year maturity and semi-annual amortization. This is a material creation of a new direct financial obligation secured by substantially all assets of the borrower and guarantor, fitting the debt_issuance category. The agreement's size, terms, and security provisions make it material to investors assessing the company's capital structure and financial obligations.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-08-10T20:23:23.753975+00:00","company_name":"OppFi Inc.","ticker":"OPFI-WT","filing_date":"2026-08-10"},{"id":27770,"accession_number":"0001818502-26-000073","item_number":"2.02","item_title":"Results of Operations and Financial Condition.","event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.98,"reasoning":"OppFi issued a press release on August 10, 2026 announcing second quarter 2026 financial results, disclosing total revenue of $145.2 million (up 1.9% YoY) and net income of $15.6 million (up 36.0% YoY), along with six-month results and full-year 2026 guidance. This is a standard quarterly earnings release furnished as Exhibit 99.1 under Item 2.02 (Results of Operations and Financial Condition).","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-08-10T20:23:23.753975+00:00","company_name":"OppFi Inc.","ticker":"OPFI-WT","filing_date":"2026-08-10"},{"id":27771,"accession_number":"0001818502-26-000073","item_number":"2.03","item_title":"Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.","event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.85,"reasoning":"Item 2.03 incorporates by reference an agreement from Item 1.01, but the substantive disclosure furnished as EX-99.1 is OppFi's second quarter 2026 earnings release dated 2026-08-10. The release reports total revenue of $145.2 million (a company record for Q2), net income of $15.6 million (up 36% YoY), and updated full-year 2026 guidance. While Item 2.03 technically addresses a direct financial obligation, the material event disclosed in the filing is the earnings announcement with updated forward guidance.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-08-10T20:23:23.753975+00:00","company_name":"OppFi Inc.","ticker":"OPFI-WT","filing_date":"2026-08-10"},{"id":27772,"accession_number":"0001818502-26-000073","item_number":"7.01","item_title":"Regulation FD Disclosure.","event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.95,"reasoning":"OppFi issued a press release on August 10, 2026 disclosing second quarter 2026 financial results, including total revenue of $145.2 million (a company record for any second quarter) and net income of $15.6 million (up 36.0% year-over-year). The filing explicitly states that an earnings presentation was furnished as Exhibit 99.2, and the supplemental exhibit EX-99.1 contains the full news release with detailed financial tables, key performance metrics, and full-year 2026 guidance updates. This is a standard quarterly earnings disclosure.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-08-10T20:23:23.753975+00:00","company_name":"OppFi Inc.","ticker":"OPFI-WT","filing_date":"2026-08-10"}]}