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.

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  • FY2025 10-K risk factors

    95 risks, 10 new, 11 dropped, 23 reworded since the prior year. Financial performance surged with net income reaching $146.2 million in 2025.

    Filed Mar 12, 2026
  • FY2024 10-K risk factors

    96 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