[Form 4] OppFi Inc. Insider Trading Activity

Rhea-AI Filing Summary

OppFi Inc. insider filings show that Chief Financial Officer Pamela D. Johnson had 1,042 restricted stock units vest on 10/01/2025, which settled into 1,042 shares of Class A common stock. To cover tax withholding on the settlement, 306, 1,974, and 1,715 shares were withheld (listed separately) and a subsequent sale of 5,497 shares occurred on 10/02/2025 at an average price of $11.21 per share. The sales were effected under a Rule 10b5-1 trading plan adopted on 3/10/2025. Following these transactions, the reporting person beneficially owned 154,521 shares of Class A common stock.

Positive

• 1,042 RSUs vested on 10/01/2025, reflecting scheduled equity compensation
• Sales were executed under a Rule 10b5-1 trading plan adopted on 3/10/2025, indicating pre-planned transactions

Negative

• 5,497 shares sold on 10/02/2025 at $11.21, reducing direct holdings
• Approximately 3,995 shares withheld to cover taxes upon RSU settlement (sums of 306, 1,974, 1,715)

Insights

Corporate Governance Analyst

CFO received vested 1,042 RSUs and sold 5,497 shares under a 10b5-1 plan.

The filing documents a routine equity compensation vesting event: 1,042 RSUs vested on 10/01/2025 and converted into shares, with portions withheld for tax (~3,995 shares across listed withholdings). The reporting person then sold 5,497 shares on 10/02/2025 at $11.21 per share under a Rule 10b5-1 plan adopted 3/10/2025.

This is governance‑relevant because the use of a pre-established 10b5-1 plan signals the sale was scheduled and not contemporaneous with undisclosed material information; the filing also discloses the remaining beneficial ownership of 154,521 shares.

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).

X

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^*

Johnson Pamela D.

(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)
	CFO

3. Date of Earliest Transaction (Month/Day/Year)
10/01/2025

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	10/01/2025		M		1,042(1)	A	$0	164,013	D
Class A Common Stock	10/01/2025		F		306(2)	D	$11.33	163,707	D
Class A Common Stock	10/01/2025		F		1,974(2)	D	$11.33	161,733	D
Class A Common Stock	10/01/2025		F		1,715(2)	D	$11.33	160,018	D
Class A Common Stock	10/02/2025		S(3)		5,497	D	$11.21	154,521	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
Restricted Stock Unit	$0	10/01/2025		M			1,042(1)	(4)	(4)	Class A Common Stock	1,042(1)	$0	0	D

Explanation of Responses:

1. On October 1, 2025, the reporting person received shares of Class A Common Stock, par value $0.0001 per share, of the issuer in settlement of restricted stock units ("RSUs"), which vested on October 1, 2025.

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

3. The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on March 10, 2025.

4. Each RSU represents a contingent right to receive one share of Class A Common Stock, par value $0.0001 per share, of the issuer and was granted pursuant to the Plan. On October 1, 2021, the reporting person was granted 16,660 RSUs. 25% of the RSUs vested on the one-year anniversary of 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.

	/s/ Marv Gurevich, Esq., as attorney-in-fact for Pamela D. Johnson	10/03/2025
	** 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 shares did OPFI CFO Pamela Johnson receive and when?

The reporting person had 1,042 RSUs vest and settle into 1,042 shares of Class A common stock on 10/01/2025.

How many shares were sold and at what price in the Form 4 for OPFI?

The filing reports a sale of 5,497 shares on 10/02/2025 at an average price of $11.21 per share.

Were the sales part of a pre-arranged plan for OPFI insider?

Yes. The sales were effected pursuant to a Rule 10b5-1 trading plan adopted on 3/10/2025.

How many shares does the reporting person own after these transactions?

Following the reported transactions, the reporting person beneficially owned 154,521 shares of Class A common stock.

Why were some shares withheld after RSU settlement?

The Form 4 states that 306, 1,974, and 1,715 shares were withheld to cover tax withholding obligations upon RSU settlement.