OppFi officer covers taxes via share withholding

OppFi Inc. Chief Risk & Analytics Officer Christopher J. McKay reported a routine tax-related share disposition.

Rhea-AI Filing Summary

OppFi Inc. Chief Risk & Analytics Officer Christopher J. McKay reported a routine tax-related share disposition. On the reported date, 357 shares of Class A Common Stock were withheld to cover tax withholding obligations tied to settlement of a previously reported performance-based restricted stock unit award. After this withholding, McKay directly holds 1,536,746 shares of OppFi Class A Common Stock.

Insider Trade Summary

Exercise Price or Tax Liability: 357 shares

Exercise Price or Tax Liability 1 txn

Insider McKay Christopher J.

Role Chief Risk & Analytics Officer

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Class A Common Stock	357	$9.51	$3K

Holdings After Transaction: Class A Common Stock — 1,536,746 shares (Direct)

Footnotes (1)

1. F1. Represents shares withheld to cover tax withholding obligations upon the settlement of a previously reported performance-based restricted stock unit award.

Key Figures

Shares withheld for taxes: 357 shares Share price used for withholding: $9.51 per share Shares held after transaction: 1,536,746 shares

3 metrics

Shares withheld for taxes 357 shares Withheld to cover tax obligations on RSU settlement

Share price used for withholding $9.51 per share Value applied to 357 withheld shares

Shares held after transaction 1,536,746 shares Direct holdings after tax-withholding disposition

Key Terms

Class A Common Stock, performance-based restricted stock unit award, tax withholding obligations

3 terms

Class A Common Stock financial

"357 shares of Class A Common Stock were withheld"

Class A common stock is a category of a company’s shares that carries a specific set of ownership rights—most commonly defined voting power and claims on dividends—set out in the company’s charter. For investors it matters because the class determines how much influence you have over corporate decisions, the share’s likely dividend and trading behavior, and how it compares in value to other share classes, like choosing a particular seat with different privileges at the company’s decision-making table.

performance-based restricted stock unit award financial

"settlement of a previously reported performance-based restricted stock unit award"

A performance-based restricted stock unit award is a promise to give company shares to an employee or executive only if the business hits specific targets over a set period. Think of it as a conditional prize that vests like a savings plan: if agreed goals (such as revenue, profit, or stock performance) are met, the recipient receives the shares; if not, they get nothing. Investors pay attention because these awards align management incentives with company results and can affect share count, future earnings and executive behavior.

tax withholding obligations financial

"shares withheld to cover tax withholding obligations upon the settlement"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did OppFi (OPFI) report for Christopher J. McKay?

OppFi reported that Christopher J. McKay had 357 shares of Class A Common Stock withheld to satisfy tax withholding obligations upon settlement of a previously reported performance-based restricted stock unit award, a routine administrative disposition rather than an open-market trade.

How many OppFi (OPFI) shares does Christopher J. McKay hold after this Form 4?

Following the tax-withholding disposition, Christopher J. McKay directly holds 1,536,746 shares of OppFi Class A Common Stock. This figure reflects his position after 357 shares were withheld to cover tax obligations on a settled performance-based restricted stock unit award.

Was the OppFi (OPFI) insider transaction an open-market sale of shares?

No, the transaction was not an open-market sale. The Form 4 shows 357 shares of Class A Common Stock were withheld solely to cover tax withholding obligations related to settlement of a performance-based restricted stock unit award previously reported for Christopher J. McKay.

What does transaction code "F" mean in the OppFi (OPFI) Form 4 filing?

Transaction code "F" in this Form 4 indicates a tax-withholding disposition. Specifically, 357 shares of OppFi Class A Common Stock were withheld to pay tax obligations when a previously reported performance-based restricted stock unit award settled for Christopher J. McKay.

Which OppFi (OPFI) executive is involved in this Form 4 filing?

The filing involves Christopher J. McKay, OppFi’s Chief Risk & Analytics Officer. The Form 4 reports 357 shares of Class A Common Stock withheld to satisfy tax withholding obligations on settlement of a performance-based restricted stock unit award previously reported.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 05/06/2026 - 04:16 PM EDT Learn about SEC filing dates

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)
05/04/2026

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	05/04/2026		F		357(1)	D	$9.51	1,536,746	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. Represents shares withheld to cover tax withholding obligations upon the settlement of a previously reported performance-based restricted stock unit award.

	/s/ Marv Gurevich, Esq., as attorney-in-fact for Christopher J. McKay	05/06/2026
	** 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)