Risk factors
OppFi (OPFI) risk factors
Item 1A of every OppFi Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors95 risks10 new11 dropped23 reworded
Financial performance surged with net income reaching $146.2 million in 2025.
Filed Mar 12, 2026 - FY2024 10-K risk factors96 risks
OppFi faces risks heavily concentrated on reliance on bank partners for 100% of originations, unproven machine learning underwriting models, and heavy dependence on a single unsecured personal loan product.
Filed Mar 11, 2025