OppFi Inc-A 2026年季度报告

(Mark One) ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period endedMarch 31, 2026OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OppFi Inc.(Exact name of registrant as specified in its charter)__________________________________________________________________ Delaware(State or other jurisdiction of incorporation ororganization)130 E. Randolph Street. Suite 3400Chicago, IL(Address of principal executive offices) 60601(Zip Code) (312) 212-8079(Registrant’s telephone number, including area code) Not Applicable(Former name, former address and former fiscal year, if changed since last report)Securities Registered Pursuant to Section12(b) of the Act: Name of Each Exchange on WhichRegistered Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities Exchange Actof 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)has been subject tosuch filing requirements for the past 90 days. Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submitsuch files). Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and“emerging growth company” in Rule 12b-2 of the Exchange Act: Largeacceleratedfiler Non-accelerated filer If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying withany new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes☐No☒ As of May5, 2026, there were 85,393,248 shares of common stock, including 85,393,248shares of Class A common stock, par value $0.0001per share, 0 shares of Class B common stock, par value $0.0001 per share and 0 shares of Class V common stock, par value $0.0001 per share,outstanding. Table of Contents Part I. Financial InformationItem 1. Financial Statements (Unaudited)Consolidated Balance SheetsConsolidated Statements of OperationsConsolidated Statements of Stockholders’ EquityConsolidated Statements of Cash FlowsNotes to Consolidated Financial StatementsItem 2. Management’s Discussion and Analysis of Financial Condition and Results of OperationsItem 3. Quantitative and Qualitative Disclosures About Market RiskItem 4. Controls and ProceduresPart II. Other InformationItem 1. Legal ProceedingsItem 1A. Risk FactorsItem 2. Unregistered Sales of Equity Securities and Use of ProceedsItem 3. Defaults Upon Senior SecuritiesItem 4. Mine Safety DisclosuresItem 5. Other InformationItem 6. ExhibitsSignatures This Quarterly Report on Form 10-Q includes “forward-looking statements” within the meaning of the “safe harbor” provisions of thePrivate Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of theSecurities Exchange Act of 1934, as amended (the “Exchange Act”). All statements, other than statements of historical fact included inthis Quarterly Report on Form 10-Q including, without limitation, statements in “Management’s Discussion and Analysis of FinancialCondition and Results of Operations” regarding OppFi Inc.’s (collectively with its subsidiaries, the “Company”) financial position,business strategy and the plans and objectives of management for future operations, are forward-looking statements. Words such as“expect,” “estimate,” “project,” “budget,” “forecast,” “anticipate,” “intend,” “plan,” “may,” “will,” “could,” “should,” “believes,”“predicts,” “potential,” “possible,” “continue,” and variations and similar words and expressions are intended to identify such forward-looking statements. Such forward-looking statements relate to future events or future performance, but reflect management’s currentbeliefs, based on information currently available and involve risks and uncertainties that could cause actual results to differ materiallyfrom those expected and projected. A number of factors could cause actual events, performance or results to differ materially from the events, performance and resultsdiscussed in the forward-looking statements. Factors that may cause such differences include, but are not limited to, the impact ofgeneral economic conditions, including economic slowdowns, inflation, interest rate changes, recessions, statements regardingOppFi’s