Vanguard reports 2.87% ownership stake in OppFi

Vanguard Capital Management filed an amended ownership report for OppFi Inc. common stock.

Rhea-AI Filing Summary

Vanguard Capital Management filed an amended ownership report for OppFi Inc. common stock. As of June 30, 2026, Vanguard beneficially owned 2,456,441 shares of OppFi, representing 2.87% of the class. Vanguard had sole voting power over 239,649 shares and sole dispositive power over 2,456,441 shares, with no shared voting or dispositive power. The filing confirms that Vanguard’s ownership is 5 percent or less of the class and notes that various Vanguard-affiliated entities and managed accounts may receive dividends or sale proceeds, with no other single person holding more than 5% of the reported securities.

Key Figures

Beneficially owned shares: 2,456,441 shares Percent of class: 2.87% Sole voting power: 239,649 shares +3 more

6 metrics

Beneficially owned shares 2,456,441 shares OppFi common stock beneficially owned by Vanguard Capital Management as of June 30, 2026

Percent of class 2.87% Percentage of OppFi common stock class beneficially owned by Vanguard Capital Management

Sole voting power 239,649 shares Shares of OppFi over which Vanguard Capital Management has sole power to vote

Shared voting power 0 shares Shares of OppFi over which Vanguard Capital Management has shared voting power

Sole dispositive power 2,456,441 shares Shares of OppFi over which Vanguard Capital Management has sole power to dispose

Shared dispositive power 0 shares Shares of OppFi over which Vanguard Capital Management has shared dispositive power

Key Terms

beneficially owned, sole voting power, dispositive power, percent of class, +1 more

5 terms

beneficially owned financial

"this reflects the securities beneficially owned, or deemed to be beneficially owned, by Vanguard"

Beneficially owned describes securities or assets where a person has the economic rights and control—such as the right to receive dividends and to direct voting—even if legal title is held in another name. Think of it like having the keys and using a car that’s registered to someone else: you get the benefits and make decisions. Investors care because beneficial ownership reveals who truly controls value and voting power, affecting corporate decisions and takeover dynamics.

sole voting power financial

"5 | Sole Voting Power 239,649.00 6 | Shared Voting Power 0.00"

Sole voting power is the exclusive right to cast votes attached to a shareholder’s stock without needing approval from anyone else. Like holding the only remote control for a TV, it lets that holder decide corporate matters such as board members, mergers, and policy changes, making it important to investors because it concentrates control and can strongly influence a company’s strategy and the value of its shares.

dispositive power financial

"Sole Dispositive Power 2,456,441.00 8 | Shared Dispositive Power 0.00"

Dispositive power is the authority to decide the final outcome of an asset, legal claim, contract, or corporate action — in effect the power to dispose of or resolve something. For investors it matters because whoever holds that authority can determine who gets paid, who controls an asset or vote, and how risks and returns are allocated; think of it like holding the key that lets you lock in the winner or loser in a deal.

percent of class financial

"(b) | Percent of class: 2.87 %"

Percent of class is the portion of a specific category of securities—such as a company’s common shares, preferred shares, or a bond series—that takes part in or approves a corporate action (vote, consent, tender, etc.). Investors watch this number because it reveals how much support or opposition exists within that particular shareholder group; like counting how many members of a club back a proposal, it can determine whether a plan passes or how influence is distributed.

Ownership of 5 percent or less of a class financial

"Item 5. | Ownership of 5 Percent or Less of a Class."

FAQ

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

What percentage of OppFi (OPFI) does Vanguard Capital Management report owning?

Vanguard Capital Management reports beneficial ownership of 2.87% of OppFi’s common stock. This corresponds to 2,456,441 shares as of June 30, 2026, and is explicitly characterized as ownership of 5 percent or less of the class.

How many OppFi (OPFI) shares does Vanguard Capital Management control as of June 30, 2026?

Vanguard Capital Management reports beneficial ownership of 2,456,441 OppFi shares. It has sole voting power over 239,649 shares and sole dispositive power over 2,456,441 shares, with no shared voting or dispositive power reported in the filing.

What type of security in OppFi (OPFI) is reported by Vanguard Capital Management?

The position reported by Vanguard Capital Management is in OppFi Inc. common stock. The filing specifies the title of class of securities as Common Stock and lists the CUSIP number 68386H103 for the OppFi shares held.

Who has rights to dividends or sale proceeds from Vanguard’s OppFi (OPFI) holdings?

Vanguard Capital Management states that Vanguard investment companies and other managed accounts have rights to receive dividends or sale proceeds from the reported OppFi securities. It notes that no other individual person’s interest exceeds 5% of the securities reported.

Which entities are included in Vanguard Capital Management’s OppFi (OPFI) beneficial ownership report?

The beneficial ownership reflects securities held by Vanguard Capital Management LLC and affiliates, including Vanguard Asset Management Limited, Vanguard Fiduciary Trust Company, Vanguard Global Advisers, LLC, and Vanguard Investments Australia Ltd., where these entities exercise dispositive and/or voting power.

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

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Available on EDGAR 07/31/2026 - 10:43 AM Accepted by SEC EDGAR 07/31/2026 - 10:42 AM Learn about SEC filing dates

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 1)

OppFi Inc

(Name of Issuer)

Common Stock

(Title of Class of Securities)

68386H103

(CUSIP Number)

06/30/2026

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

schemaVersion:

SCHEDULE 13G

CUSIP Number(s): 68386H103

1

Names of Reporting Persons

Vanguard Capital Management

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

PENNSYLVANIA

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 239,649.00
6	Shared Voting Power 0.00
7	Sole Dispositive Power 2,456,441.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

2,456,441.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

2.87 %

12

Type of Reporting Person (See Instructions)

IA

Comment for Type of Reporting Person: In accordance with SEC Release No. 34-39538 (January 12, 1998), this Schedule 13G reflects the securities beneficially owned, or deemed to be beneficially owned, by Vanguard Capital Management LLC and the following affiliates of Vanguard Capital Management LLC or business divisions of such affiliates: Vanguard Asset Management Limited, Vanguard Fiduciary Trust Company, Vanguard Global Advisers, LLC and Vanguard Investments Australia Ltd. This Schedule 13G includes securities held by Vanguard funds, or sleeves thereof, over which Vanguard Capital Management LLC exercises dispositive power, in addition to securities held by clients over which the affiliates or business divisions of such affiliates indicated above exercise dispositive and/or voting power. This Schedule 13G does not include securities, if any, beneficially owned by other subsidiaries or affiliates of Vanguard Capital Management LLC, or business divisions of such subsidiaries, whose ownership of securities is disaggregated from that of the reporting business unit in accordance with such release.

SCHEDULE 13G

Item 1.
(a)	Name of issuer: OppFi Inc
(b)	Address of issuer's principal executive offices: 105 South Maple Street, Itasca, IL, 60143
Item 2.
(a)	Name of person filing: Vanguard Capital Management
(b)	Address or principal business office or, if none, residence: 100 Vanguard Blvd,, Malvern, PA, 19355
(c)	Citizenship: PA
(d)	Title of class of securities: Common Stock
(e)	CUSIP No.: 68386H103
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 2456441
(b)	Percent of class: 2.87 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 239649
	(ii) Shared power to vote or to direct the vote: 0
	(iii) Sole power to dispose or to direct the disposition of: 2456441
	(iv) Shared power to dispose or to direct the disposition of: 0
Item 5.	Ownership of 5 Percent or Less of a Class.
	Ownership of 5 percent or less of a class
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	If any other person is known to have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, such securities, a statement to that effect should be included in response to this item and, if such interest relates to more than 5 percent of the class, such person should be identified. A listing of the shareholders of an investment company registered under the Investment Company Act of 1940 or the beneficiaries of employee benefit plan, pension fund or endowment fund is not required. Vanguard Capital Management, including investment companies registered under the Investment Company Act of 1940 and other managed accounts, have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, the securities reported herein.No one other person's interest in the securities reported herein is more than 5%.
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Vanguard Capital Management

Signature:	My Trieu-Gatt
Name/Title:	Authorized Signatory, Head of Global Fund Administration
Date:	07/31/2026