OppFi (OPFI) CEO and 10% owner Todd Schwartz logs RSU tax share withholding

Rhea-AI Filing Summary

OppFi Inc. insider Todd G. Schwartz filed a Form 4 reporting a tax-related share withholding. On 01/02/2026, 3,048 shares of OppFi Class A common stock were withheld at a price of $10.30 per share to cover tax obligations upon settlement of vested restricted stock units.

After this transaction, Schwartz beneficially owned 121,427 Class A shares directly and 433,733 Class A shares indirectly through the TGS Revocable Trust, for which he is the sole trustee. Schwartz is listed as a director, Chief Executive Officer, and 10% owner of OppFi.

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

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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^*

Schwartz Todd G.

(Last) (First) (Middle)

ONE NORTH WACKER DRIVE, SUITE 3605

(Street)

CHICAGO IL 60606

(City) (State) (Zip)

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

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

X	Director	X	10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Executive Officer

3. Date of Earliest Transaction (Month/Day/Year)
01/02/2026

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

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

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

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	01/02/2026		F		3,048(1)	D	$10.3	121,427	D
Class A Common Stock								433,733	I	By TGS Revocable Trust(2)

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 vested restricted stock units.

2. The reporting person is the sole trustee of TGS Revocable Trust.

	/s/ Marv Gurevich, Esq., as attorney-in-fact for Todd G. Schwartz	01/06/2026
	** 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.

FAQ

What insider transaction did OppFi (OPFI) report in this Form 4?

The Form 4 reports that on 01/02/2026, Todd G. Schwartz had 3,048 OppFi Class A shares withheld at $10.30 per share to satisfy tax withholding obligations related to vested restricted stock units.

Who is the reporting person in the OppFi (OPFI) Form 4 filing?

The reporting person is Todd G. Schwartz, who is identified as a director, Chief Executive Officer, and 10% owner of OppFi Inc.

How many OppFi (OPFI) shares does Todd G. Schwartz own after the reported transaction?

Following the transaction, Todd G. Schwartz beneficially owned 121,427 OppFi Class A shares directly and 433,733 OppFi Class A shares indirectly through the TGS Revocable Trust.

What is the nature of the OppFi (OPFI) shares held through the TGS Revocable Trust?

The filing states that the 433,733 indirectly owned OppFi Class A shares are held by the TGS Revocable Trust, and Todd G. Schwartz is the sole trustee of that trust.

Was the OppFi (OPFI) Form 4 transaction an open market trade?

No. The filing explains that the 3,048 shares were withheld to cover tax withholding obligations upon settlement of vested restricted stock units, rather than being bought or sold in the open market.

What transaction code is used in this OppFi (OPFI) Form 4?

The transaction is reported with code F, which in this context corresponds to shares withheld for tax withholding obligations related to the settlement of restricted stock units.