OppFi (OPFI) exec settles 3,852 RSUs; sells 9,030 at $11.21

OppFi (OPFI) reported insider activity by Chief Risk & Analytics Officer Christopher J. McKay.

Rhea-AI Filing Summary

OppFi (OPFI) reported insider activity by Chief Risk & Analytics Officer Christopher J. McKay. On October 1, 2025, he acquired 3,852 Class A shares upon RSU vesting and had tax withholdings of 1,202, 3,182, and 2,212 shares at $11.33. On October 2, 2025, he sold 9,030 shares at $11.21 under a Rule 10b5-1 plan adopted on December 10, 2024. Following these transactions, his beneficial ownership stood at 172,129 shares.

Insider Trade Summary

Exercise and sale activity reported; no spread calculated

Exercise and Sale 6 txns

Insider McKay Christopher J.

Role Chief Risk & Analytics Officer

Sold 9,030 shs ($101K)

Approx. gross sale proceeds $101K

Approx. exercise cost $0.00

Type	Security	Shares	Price	Value
Sale	Class A Common Stock	9,030	$11.21	$101K
Exercise	Restricted Stock Unit	3,852	$0.00	$0.00
Exercise	Class A Common Stock	3,852	$0.00	$0.00
Exercise Price or Tax Liability	Class A Common Stock	1,202	$11.33	$14K
Exercise Price or Tax Liability	Class A Common Stock	3,182	$11.33	$36K
Exercise Price or Tax Liability	Class A Common Stock	2,212	$11.33	$25K

Holdings After Transaction: Restricted Stock Unit — 0 contracts (Direct); Class A Common Stock — 172,129 shares (Direct)

Footnotes (4)

1. F1. On October 1, 2025, the reporting person received shares of Class A Common Stock of the Issuer in settlement of restricted stock units ("RSUs"), which vested on October 1, 2025.
2. F2. Represents shares withheld to cover tax withholding obligations upon the settlement of vested RSUs.
3. F3. The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on December 10, 2024.
4. F4. Each RSU represents a contingent right to receive one share of Class A Common Stock of the Issuer and was granted pursuant to the Plan. On October 1, 2021, the reporting person was granted 61,613 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.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did OPFI's Christopher J. McKay report on Form 4?

He reported RSU settlement of 3,852 shares on Oct 1, 2025, related tax withholdings, and a sale of 9,030 shares on Oct 2, 2025.

How many OPFI shares were sold and at what price?

He sold 9,030 shares at $11.21 on Oct 2, 2025.

Were the sales under a Rule 10b5-1 plan?

Yes. The sale was effected under a Rule 10b5-1 plan adopted on Dec 10, 2024.

What were the tax withholding entries related to the RSU vest?

Shares withheld for taxes were 1,202, 3,182, and 2,212 at $11.33 on Oct 1, 2025.

What is McKay’s beneficial ownership after the transactions?

He beneficially owned 172,129 OPFI Class A shares after the reported transactions.

What triggered the 3,852-share acquisition?

It was the settlement of vested RSUs; each RSU represented the right to receive one Class A share.

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

Form 4 Insider Transactions: What Each Field Means →

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Accepted by SEC EDGAR 10/03/2025 - 05:34 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).

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^*

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)
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		3,852(1)	A	$0	187,755	D
Class A Common Stock	10/01/2025		F		1,202(2)	D	$11.33	186,553	D
Class A Common Stock	10/01/2025		F		3,182(2)	D	$11.33	183,371	D
Class A Common Stock	10/01/2025		F		2,212(2)	D	$11.33	181,159	D
Class A Common Stock	10/02/2025		S(3)		9,030	D	$11.21	172,129	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			3,852(1)	(4)	(4)	Class A Common Stock	3,852(1)	$0	0	D

Explanation of Responses:

1. On October 1, 2025, the reporting person received shares of Class A Common Stock 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 December 10, 2024.

4. Each RSU represents a contingent right to receive one share of Class A Common Stock of the Issuer and was granted pursuant to the Plan. On October 1, 2021, the reporting person was granted 61,613 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 Christopher J. McKay	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.