OppFi (OPFI) officer reports RSU tax-withholding transactions in Form 4

Rhea-AI Filing Summary

OppFi Inc. reported an insider equity transaction by its Chief Risk & Analytics Officer, Christopher J. McKay. On 01/02/2026, the company withheld shares of Class A common stock to cover tax obligations upon settlement of vested restricted stock units. The Form 4 shows two tax-withholding transactions, involving 2,398 and 1,667 shares at a price of $10.3 per share, coded as transaction type “F,” which indicates shares were withheld rather than sold in the open market.

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^*

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)
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		2,398(1)	D	$10.3	168,048	D
Class A Common Stock	01/02/2026		F		1,667(1)	D	$10.3	166,381	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 vested restricted stock units.

	/s/ Marv Gurevich, Esq., as attorney-in-fact for Christopher J. McKay	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) disclose in this Form 4?

OppFi disclosed that its Chief Risk & Analytics Officer, Christopher J. McKay, had shares of Class A common stock withheld on 01/02/2026 to satisfy tax withholding obligations from vested restricted stock units.

How many OppFi (OPFI) shares were involved in the insider transaction?

The filing reports two tax-withholding transactions involving 2,398 and 1,667 shares of OppFi Class A common stock.

At what price were the OppFi (OPFI) shares valued for the tax withholding?

The shares withheld to cover tax obligations were valued at $10.3 per share, as shown in the Form 4.

Was this OppFi (OPFI) insider transaction an open-market sale?

No. The transaction is coded as "F" and the explanation states the shares represent stock withheld to cover tax withholding obligations upon settlement of vested restricted stock units, rather than an open-market sale.

What type of security was involved in the OppFi (OPFI) Form 4 filing?

The Form 4 relates to Class A common stock of OppFi Inc., issued in connection with vested restricted stock units.