McKay Christopher J. 4

What Happened

• Christopher J. McKay, Chief Risk & Analytics Officer at OppFi (OPFI), had 363 shares withheld on Feb 3, 2026 to satisfy tax withholding obligations related to the settlement of a previously reported performance-based restricted stock unit (RSU) award. The shares were valued at $9.73 each, totaling $3,532 (reported as a disposition).

Key Details

• Transaction date: 2026-02-03; filing date: 2026-02-05 (file appears timely).
• Shares withheld/disposed: 363 at $9.73 per share; total value reported $3,532.
• Transaction code: F (shares withheld to cover tax withholding).
• Shares owned after transaction: Not specified in this Form 4 filing.
• Footnote: Represents shares withheld to cover tax withholding obligations upon settlement of a previously reported performance-based RSU award.

Context

• This was a tax-withholding disposition tied to an RSU settlement—not an open-market sale or a purchase—and is generally a routine administrative action rather than a directional bet on the stock.
• For retail investors, tax withholdings on equity awards typically do not signal insider sentiment; purchases by insiders tend to be more informative about confidence in the company.