Christopher J. McKay - 01 Oct 2025 Form 4 Insider Report for OppFi Inc. (OPFI)

Role
Chief Risk & Analytics Officer
Signature
/s/ Marv Gurevich, Esq., as attorney-in-fact for Christopher J. McKay
Issuer symbol
OPFI
Transactions as of
01 Oct 2025
Net transactions value
-$175,959
Form type
4
Filing time
03 Oct 2025, 17:34:58 UTC
Previous filing
06 Aug 2025
Next filing
05 Nov 2025
SEC
View on sec.gov

Reporting Owners (1)

Name Relationship Address Signature Signature date CIK
McKay Christopher J. Chief Risk & Analytics Officer 130 E. RANDOLPH STREET, SUITE 3400, CHICAGO /s/ Marv Gurevich, Esq., as attorney-in-fact for Christopher J. McKay 03 Oct 2025 0001874705

Transactions Table

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Ownership Footnotes
transaction OPFI Class A Common Stock Options Exercise $0 +3,852 +2.1% $0.000000 187,755 01 Oct 2025 Direct F1
transaction OPFI Class A Common Stock Tax liability $13,619 -1,202 -0.64% $11.33 186,553 01 Oct 2025 Direct F2
transaction OPFI Class A Common Stock Tax liability $36,052 -3,182 -1.7% $11.33 183,371 01 Oct 2025 Direct F2
transaction OPFI Class A Common Stock Tax liability $25,062 -2,212 -1.2% $11.33 181,159 01 Oct 2025 Direct F2
transaction OPFI Class A Common Stock Sale $101,226 -9,030 -5% $11.21 172,129 02 Oct 2025 Direct F3

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Underlying Class Amount Exercise Price Ownership Footnotes
transaction OPFI Restricted Stock Unit Options Exercise $0 -3,852 -100% $0.000000 0 01 Oct 2025 Class A Common Stock 3,852 $0.000000 Direct F1, F4
* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Buy Plan / Sale Plan: These are also open market purchases/sales of shares, but in this case the transaction is part of a trading plan. Rule 10b5-1 allows insiders to setup a trading plan to buy/sell stocks over a certain period of time. Since the purchases/sales are predetermined, this protects the insiders from violating insider trading law.

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).

Explanation of Responses:

Id Content
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.
F2 Represents shares withheld to cover tax withholding obligations upon the settlement of vested RSUs.
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.
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.