OppFi (OPFI) risk chief gets 26,007 RSUs; 4,922 shares withheld for taxes

Rhea-AI Filing Summary

OppFi Inc. Chief Risk & Analytics Officer Christopher J. McKay received an award of 26,007 restricted stock units of Class A Common Stock under the company’s 2021 Equity Incentive Plan. A portion of these RSUs vested immediately, with the remainder vesting in equal quarterly installments over three years.

On settlement of vested RSUs, 4,922 shares were withheld at $7.71 per share to cover tax obligations, reported as three separate tax-withholding dispositions. After these transactions, McKay directly owns 187,103 shares of OppFi Class A Common Stock.

Insights

Equity compensation analyst

Routine RSU grant with tax withholding; no open-market trading.

The filing shows Christopher J. McKay, Chief Risk & Analytics Officer of OppFi Inc., receiving 26,007 RSUs of Class A Common Stock under the 2021 Equity Incentive Plan. Part of the award vests immediately, with the balance vesting quarterly over three years, tying compensation to ongoing service.

Three Form 4 entries labeled code F report a total of 4,922 shares withheld at $7.71 per share to satisfy tax obligations upon RSU settlement. These are non-market dispositions, not open-market sales, and McKay’s direct holdings after the transactions are 187,103 shares. Overall, this appears to be standard equity compensation and tax handling, with neutral impact on the broader investment case.

Insider Trade Summary

4 transactions reported

Mixed 4 txns

Insider McKay Christopher J.

Role Chief Risk & Analytics Officer

Type	Security	Shares	Price	Value
Tax Withholding	Class A Common Stock	1,970	$7.71	$15K
Tax Withholding	Class A Common Stock	1,369	$7.71	$11K
Tax Withholding	Class A Common Stock	1,583	$7.71	$12K
Grant/Award	Class A Common Stock	26,007	$0.00	--

Holdings After Transaction: Class A Common Stock — 190,055 shares (Direct)

Footnotes (1)

1. Restricted stock units ("RSUs") granted pursuant to the OppFi Inc. 2021 Equity Incentive Plan (the "Plan"). Each RSU represents a contingent right to receive one share of OppFi Inc. Class A Common Stock, par value $0.0001 per share. 25% of the RSUs vested immediately on the date of grant and the remainder will vest in equal quarterly increments over the following three years, subject to the reporting person's continued service with the issuer and the terms of the Plan. Represents shares withheld to cover tax withholding obligations upon the settlement of vested RSUs.

Key Figures

RSU grant size: 26,007 RSUs Tax-withholding shares: 4,922 shares Withholding price: $7.71 per share +1 more

4 metrics

RSU grant size 26,007 RSUs Award of restricted stock units under 2021 Equity Incentive Plan

Tax-withholding shares 4,922 shares Shares of Class A Common Stock withheld to cover tax obligations

Withholding price $7.71 per share Price used for tax-withholding dispositions on vested RSUs

Post-transaction holdings 187,103 shares Direct ownership of OppFi Class A Common Stock after transactions

Key Terms

Restricted stock units ("RSUs"), 2021 Equity Incentive Plan, tax withholding obligations, vesting

4 terms

Restricted stock units ("RSUs") financial

"Restricted stock units ("RSUs") granted pursuant to the OppFi Inc. 2021 Equity Incentive Plan"

Restricted stock units (RSUs) are a company promise to give an employee shares of stock (or cash equivalent) in the future, but only after certain conditions—usually staying with the company for a set time or hitting performance goals—are met. Investors watch RSUs because when they vest they increase the number of shares outstanding and can lead insiders to sell shares, affecting share price, company dilution and the true cost of employee pay.

2021 Equity Incentive Plan financial

"granted pursuant to the OppFi Inc. 2021 Equity Incentive Plan (the "Plan")"

tax withholding obligations financial

"Represents shares withheld to cover tax withholding obligations upon the settlement of vested RSUs."

vesting financial

"25% of the RSUs vested immediately on the date of grant and the remainder will vest in equal quarterly increments"

Vesting is the process by which you earn full ownership of something, like company stock or a retirement benefit, over time. It’s like earning the right to keep a gift piece by piece the longer you stay with a company, making sure employees stay committed before they receive all the benefits.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

McKay Christopher J.

(Last) (First) (Middle)

130 E. RANDOLPH STREET

SUITE 3400

(Street)

CHICAGO ILLINOIS 60601

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
OppFi Inc. [ OPFI ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Risk & Analytics Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
04/01/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Class A Common Stock	04/01/2026		A		26,007(1)	A	$0	192,025	D
Class A Common Stock	04/02/2026		F		1,970(2)	D	$7.71	190,055	D
Class A Common Stock	04/02/2026		F		1,369(2)	D	$7.71	188,686	D
Class A Common Stock	04/02/2026		F		1,583(2)	D	$7.71	187,103	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Restricted stock units ("RSUs") granted pursuant to the OppFi Inc. 2021 Equity Incentive Plan (the "Plan"). Each RSU represents a contingent right to receive one share of OppFi Inc. Class A Common Stock, par value $0.0001 per share. 25% of the RSUs vested immediately on the date of grant and the remainder will vest in equal quarterly increments over the following three years, subject to the reporting person's continued service with the issuer and the terms of the Plan.

2. Represents shares withheld to cover tax withholding obligations upon the settlement of vested RSUs.

	/s/ Marv Gurevich, Esq., as attorney-in-fact for Christopher J. McKay	04/03/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What did OppFi (OPFI) insider Christopher McKay receive in this Form 4 filing?

Christopher J. McKay received an award of 26,007 restricted stock units of OppFi Class A Common Stock. The RSUs were granted under the 2021 Equity Incentive Plan, with part vesting immediately and the rest vesting in equal quarterly installments over three years.

How are Christopher McKay’s new RSUs at OppFi (OPFI) scheduled to vest?

The RSUs granted to Christopher McKay vest partly on the grant date, with the remaining units vesting in equal quarterly increments over the next three years. This schedule encourages continued service with OppFi and aligns his equity compensation with longer-term company performance.

Were the OppFi (OPFI) Form 4 transactions open-market sales of stock?

No, the Form 4 shows tax-withholding dispositions, not open-market sales. A total of 4,922 shares of Class A Common Stock were withheld at $7.71 per share to cover tax obligations triggered when previously granted RSUs vested and settled in shares.

How many OppFi (OPFI) shares does Christopher McKay hold after these transactions?

Following the RSU grant and related tax-withholding entries, Christopher McKay directly owns 187,103 shares of OppFi Class A Common Stock. This figure reflects his updated equity position after settling taxes on vested restricted stock units reported in the Form 4.

What does transaction code F mean in the OppFi (OPFI) Form 4 for Christopher McKay?

Transaction code F indicates shares were disposed of to pay an exercise price or tax liability. In this filing, three code F entries represent shares of Class A Common Stock withheld by OppFi to satisfy McKay’s tax-withholding obligations when his vested RSUs settled in stock.

Under which plan were the RSUs in this OppFi (OPFI) Form 4 granted?

The RSUs reported in the Form 4 were granted under the OppFi Inc. 2021 Equity Incentive Plan. Each restricted stock unit represents a contingent right to receive one share of OppFi Class A Common Stock upon vesting, subject to continued service and plan terms.