Tax withholding trims OppFi (OPFI) officer stake by 363 shares

Rhea-AI Filing Summary

OppFi Inc. officer Christopher J. McKay, the Chief Risk & Analytics Officer, reported a small share reduction due to tax withholding. On February 3, 2026, 363 shares of OppFi Class A common stock were withheld at $9.73 per share to satisfy tax obligations from a previously reported performance-based restricted stock unit award. After this withholding, McKay beneficially owned 166,018 shares of Class A common stock directly.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider McKay Christopher J.

Role Chief Risk & Analytics Officer

Type	Security	Shares	Price	Value
Tax Withholding	Class A Common Stock	363	$9.73	$4K

Holdings After Transaction: Class A Common Stock — 166,018 shares (Direct)

Footnotes (1)

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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 IL 60601

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
02/03/2026

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	02/03/2026		F		363(1)	D	$9.73	166,018	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	02/05/2026
	** 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 did OppFi (OPFI) insider Christopher J. McKay report in this Form 4?

Christopher J. McKay reported that 363 shares of OppFi Class A common stock were withheld. These shares covered tax obligations from settling a previously reported performance-based restricted stock unit award, rather than reflecting an open-market sale.

At what price were the 363 OppFi (OPFI) shares withheld for taxes?

The 363 withheld shares were valued at $9.73 per share. This price is used solely for reporting the tax withholding transaction related to the restricted stock unit settlement, not as a separate market trade execution.

How many OppFi (OPFI) shares does Christopher J. McKay own after this transaction?

After the tax withholding transaction, Christopher J. McKay beneficially owned 166,018 shares of OppFi Class A common stock. These shares are reported as being held directly, reflecting his post-transaction ownership position.

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

Transaction code "F" indicates shares were withheld to pay taxes associated with an equity award. Here, 363 shares were retained by the company to cover tax withholding on a performance-based restricted stock unit settlement.

Is this OppFi (OPFI) Form 4 a discretionary sale by the insider?

No, the Form 4 describes tax withholding rather than a discretionary sale. The 363 shares were withheld automatically to satisfy tax obligations tied to a previously reported performance-based restricted stock unit award.

What is Christopher J. McKay’s role at OppFi (OPFI) mentioned in the Form 4?

Christopher J. McKay is reported as an officer of OppFi with the title Chief Risk & Analytics Officer. This indicates he holds a senior management role overseeing risk and analytics functions at the company.