OppFi executive reports 3,734-share tax withholding

OppFi Inc.'s Chief Risk & Analytics Officer Christopher J. McKay reported routine share withholdings tied to equity compensation, not open-market trades.

Rhea-AI Filing Summary

OppFi Inc.'s Chief Risk & Analytics Officer Christopher J. McKay reported routine share withholdings tied to equity compensation, not open-market trades. On July 1, 2026, a total of 3,734 shares of OppFi Class A Common Stock were disposed of at $9.93 per share to cover tax obligations when restricted stock units vested. These F‑code transactions are described as payment of tax liability by delivering securities, and McKay continues to hold more than 1.5 million shares directly.

Insider Trade Summary

Exercise Price or Tax Liability: 3,734 shares

Exercise Price or Tax Liability 3 txns

Insider McKay Christopher J.

Role Chief Risk & Analytics Officer

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Class A Common Stock	1,969	$9.93	$20K
Exercise Price or Tax Liability	Class A Common Stock	1,369	$9.93	$14K
Exercise Price or Tax Liability	Class A Common Stock	396	$9.93	$4K

Holdings After Transaction: Class A Common Stock — 1,509,329 shares (Direct)

Footnotes (1)

1. F1. Represents shares withheld to cover tax withholding obligations upon the settlement of vested restricted stock units.

Key Figures

Tax-withheld shares total: 3,734 shares First F-code lot: 396 shares Second F-code lot: 1,369 shares +3 more

6 metrics

Tax-withheld shares total 3,734 shares F-code tax-withholding dispositions on July 1, 2026

First F-code lot 396 shares Class A Common Stock withheld for taxes

Second F-code lot 1,369 shares Additional shares delivered for tax liability

Third F-code lot 1,969 shares Remaining shares withheld for tax obligations

Reference price per share $9.93 per share Applied to each tax-withholding disposition

Direct holdings example 1,509,329 shares Total shares following one reported transaction line

Key Terms

restricted stock units, tax-withholding disposition, Class A Common Stock, Form 4, +1 more

5 terms

restricted stock units financial

"upon the settlement of vested restricted stock units"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

tax-withholding disposition financial

"transaction_action": "tax-withholding disposition""

A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.

Class A Common Stock financial

""security_title": "Class A Common Stock""

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.

Form 4 regulatory

"INSIDER FILING DATA (Form 4):"

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

beneficial ownership regulatory

"disclaims beneficial ownership"

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

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 3,734 Class A shares withheld on July 1, 2026. The shares were used to satisfy tax obligations arising from vested restricted stock units, not from an open-market sale.

Was the OppFi (OPFI) Form 4 for Christopher J. McKay a stock sale?

The Form 4 shows tax-withholding dispositions, not open-market stock sales. Shares were delivered to cover tax liabilities when restricted stock units settled, a common administrative step in equity compensation programs.

How many OppFi (OPFI) shares were withheld for Christopher J. McKay’s taxes?

A total of 3,734 OppFi Class A Common Stock shares were withheld. The transactions occurred at $9.93 per share and are coded as F, indicating payment of tax liability by delivering securities to the issuer.

What price per share was used in the OppFi (OPFI) tax-withholding transactions?

Each reported tax-withholding disposition used a price of $9.93 per share. This price is applied to calculate the value of shares delivered to satisfy tax obligations tied to vested restricted stock units.

Does Christopher J. McKay still hold a significant position in OppFi (OPFI) after these transactions?

Yes. After the reported tax-withholding events, McKay continues to directly hold more than 1.5 million OppFi Class A shares. The dispositions are small compared with his overall stake and reflect tax settlement mechanics.

What do F-coded transactions mean on the OppFi (OPFI) Form 4?

F-coded transactions indicate shares used to pay exercise price or tax liability by delivering stock. In this filing, F code denotes shares withheld to cover tax obligations when restricted stock units vested for Christopher J. McKay.

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

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Accepted by SEC EDGAR 07/06/2026 - 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)
07/01/2026

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	07/01/2026		F		1,969(1)	D	$9.93	1,511,094	D
Class A Common Stock	07/01/2026		F		1,369(1)	D	$9.93	1,509,725	D
Class A Common Stock	07/01/2026		F		396(1)	D	$9.93	1,509,329	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	07/06/2026
	** 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)