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Filing Details

Accession Number:: 0000905148-25-002338
Form Type:: 4
Zero Holdings:: No
Publication Time:: 2025-07-03 16:36:31
Reporting Period:: 2025-05-21

Filing Date:: 2025-07-03
Accepted Time:: 2025-07-03 16:36:31
SEC Url:: Form 4 Filing

Issuer

Cik	Name	Symbol	Sector (SIC)	IRS No
1818502	Oppfi Inc.	OPFI	Finance Services (6199)	851648122

Insiders

Cik	Name	Reported Address	Insider Title	Director	Officer	Large Shareholder	Other
1874705	J. Christopher Mckay	130 E. Randolph Street Suite 3400 Chicago IL 60601	Chief Risk & Analytics Officer	No	No	No	No

Transaction Summary

Sold:	9,030 shares	Avg. Price: $13.41	Total Value: $121,092.30
Number of Shares After Transactions:	185,366 shares

Reported Non-Derivative Transactions

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Sec. Name	Acquisiton - Disposition	Date	Amount	Price	Remaning Holdings	Equity Swap Involved	Form Type	Code	Nature of Ownership	Explanation
Class V Common Stock	Disposition	2025-05-21	101,489	$0.00	1,350,000	No	4	D	Indirect	By OppFi Shares, LLC
Class A Common Stock	Acquisiton	2025-05-21	101,489	$0.00	194,823	No	4	M	Direct
Class A Common Stock	Acquisiton	2025-07-01	3,850	$0.00	198,673	No	4	M	Direct
Class A Common Stock	Disposition	2025-07-01	938	$13.99	197,735	No	4	F	Direct
Class A Common Stock	Disposition	2025-07-01	1,970	$13.99	195,765	No	4	F	Direct
Class A Common Stock	Disposition	2025-07-01	1,369	$13.99	194,396	No	4	F	Direct
Class A Common Stock	Disposition	2025-07-02	9,030	$13.41	185,366	No	4	S	Direct

Equity Swap Involved	Form Type	Code	Nature of Ownership	Explanation
No	4	D	Indirect	By OppFi Shares, LLC
No	4	M	Direct
No	4	M	Direct
No	4	F	Direct
No	4	F	Direct
No	4	F	Direct
No	4	S	Direct

Reported Derivative Transactions

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Sec. Name	Sec. Type	Acquisiton - Disposition	Date	Amount	Price	Amount - 2	Price - 2
Class A Common Stock	Class A Common Units	Disposition	2025-05-21	101,489	$0.00	101,489	$0.00
Class A Common Stock	Restricted Stock Unit	Disposition	2025-07-01	3,850	$0.00	3,850	$0.00

Remaning Holdings	Exercise Date	Expiration Date	Equity Swap Involved	Transaction Form Type	Transaction Code	Nature of Ownership
1,350,000			No	4	M	Indirect
3,852			No	4	M	Direct

Footnotes

Shares of Class V common stock, par value $0.0001 per share ("Class V Common Stock"), of OppFi Inc. (the "Issuer") represent voting, non-economic interests in the Issuer. Except as provided in the Issuer's certificate of incorporation, as amended, or as required by applicable law, holders of Class V Common Stock will be entitled to one vote per share of Class V Common Stock on all matters to be voted on by the Issuer's stockholders generally. The shares of Class V Common Stock will be cancelled by the Issuer if the reporting person exercises (or causes OppFi Management Holdings, LLC ("OFMH") to exercise) Exchange Rights (as defined below in footnote 9).
Reflects the cancellation of shares of Class V Common Stock in connection with the exercise of the Exchange Rights with respect to an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial").
The shares of Class V Common Stock are held by OppFi Shares, LLC ("OFS"), which has sole voting power over the shares of Class V Common Stock reported in Table I hereof. The reporting person has the indirect right to cause OFS to dispose of the shares of Class V Common Stock reported in Table I hereof to the Issuer pursuant to the reporting person's (or OFMH's) Exchange Rights.
Reflects shares of Class A Common Stock, par value $0.0001 per share ("Class A Common Stock"), of the Issuer received in connection with the exercise of the Exchange Rights by OFMH.
Reflects the number of shares of Class A Common Stock of the Issuer beneficially owned by the reporting person following the transaction reported in the last Form 4 of the reporting person, which was filed on May 28, 2025, as adjusted for this transaction.
On July 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 July 1, 2025.
Represents shares withheld to cover tax withholding obligations upon the settlement of vested RSUs.
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.
Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A Common Stock of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").
These Common Units are held by OFMH, of which the reporting person is a member. OFMH is a member of Opportunity Financial. Pursuant to the terms of the Amended and Restated Limited Liability Company Agreement of OFMH, the reporting person has the right to cause OFMH to exercise for the benefit of the reporting person OFMH's Exchange Rights with respect to the Common Units indirectly held by the reporting person.
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.