OppFi (OPFI): executive pay, fiscal 2025

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CEO total pay$1,599,726CEO Todd Schwartz · source

Say-on-pay support95.31%Latest vote · source

CEO vs. named peers1st pct.Of 16 peer CEOs

CEO pay ratio30:1To the median employee · source

CEO pay, last three years

$148,895FY2023
$297,681FY2024
$1,599,726FY2025

CEO total pay was $1,599,726 in fiscal 2025, up from $297,681 in fiscal 2024.

FY2025: salary $461,538 · bonus $0 · stock awards $1,137,204 · option awards $0

Executives and directors

Christopher McKay · Executive Pamela Johnson · CFO Todd Schwartz · CEO Christina Favilla · Independent Director David Vennettilli · Director Greg Zeeman · Independent Director Jocelyn Moore · Lead Independent Director Theodore Schwartz · Director

Frequently asked questions

Who was the highest-paid executive at OppFi Inc. in fiscal 2025?

As disclosed, Todd Schwartz (Chief Executive Officer and Executive Chairman of the Board) was the highest-paid executive at OppFi Inc. in fiscal 2025, with total compensation of $1,599,726.

How does OppFi Inc.'s chief executive pay compare to its disclosed peer group?

As disclosed, Todd Schwartz's total compensation ranked at the 1st percentile of OppFi Inc.'s disclosed peer group.

What is OppFi Inc.'s CEO-to-median employee pay ratio?

As disclosed, OppFi Inc.'s CEO-to-median employee pay ratio was 30:1.

How did shareholders vote on OppFi Inc.'s executive compensation?

As disclosed, 95.31% of shareholders supported OppFi Inc.'s executive compensation in the latest say-on-pay vote.

How much does OppFi Inc. spend in total on board compensation for fiscal 2025?

As disclosed, OppFi Inc. reported total board compensation of $1,800,961 for fiscal 2025.

Answers are drawn only from the figures disclosed in this brief and cited to their location in the source filing. Where a figure required for an answer is not disclosed, that is stated rather than estimated.

Full detail

Every table from the filing. Open any section.

Summary compensation table

Named executive officer	Salary	Bonus	Stock awards	Option awards	Non-equity incentive	Pension / NQDC	All other	Total
Todd Schwartz	$461,538	$0	$1,137,204	$0	$0	$0	$984	$1,599,726
Chief Executive Officer and Executive Chairman of the Board
Christopher McKay	358,928	0	836,182	0	244,103	0	26,724	1,465,937
Chief Risk and Analytics Officer
Pamela Johnson	357,990	0	870,461	0	184,521	0	23,175	1,436,147
Chief Financial Officer

A dash means the company reported no figure in that column; 0 means it reported zero. Figures are as printed in the filing, without adjustment.

Three-year trend — total compensation per named executive

Named executive officer	FY2025 total	FY2024 total	FY2023 total	Δ FY2024→2025
Todd Schwartz	$1,599,726	$297,681	$148,895	↑ +1,302,045
Christopher McKay	1,465,937	961,649	570,064	↑ +504,288
Pamela Johnson	1,436,147	836,958	506,316	↑ +599,189

Prior-year totals as disclosed in the corresponding proxy; deltas are computed values with the derivation shown in the register.

Incentive-plan design — the Compensation Discussion & Analysis

CEO STI target (% of salary)	—
CEO LTI target (% of salary)	—
Independent consultant	Frederic W. Cook & Co. Inc.
Clawback policy	true
Anti-hedging	—
Anti-pledging	—

Equity grants and outstanding awards

No plan-based awards are on file for this fiscal year.

No outstanding equity awards are on file for this fiscal year.

Director compensation

Director	Cash fees	Stock awards	Option awards	Non-equity incentive	All other	Total
David VennettilliNot independent	$75,000	$717,099	—	—	—	$792,099
Jocelyn MooreIndependent · Lead Independent Director	93,250	179,278	—	—	—	272,528
Greg ZeemanIndependent	80,500	179,278	—	—	—	259,778
Christina FavillaIndependent	68,000	179,278	—	—	—	247,278
Theodore SchwartzNot independent	50,000	179,278	—	—	—	229,278
Todd SchwartzEmployee director · Board Chair	—	—	—	—	—	0

Board fee structure and ownership guideline

Annual cash retainer	$50,000
Annual equity retainer	$150,000
Per board meeting fee	—
Committee chair fees (audit / comp / nom-gov)	22,500 / 18,000 / 12,000
Stock ownership guideline	—

Total cost of the board

Component	FY2025
Cash retainers and fees	$366,750
Equity awards (grant-date value)	$1,434,211
All other compensation	$0
Total cost of the board	$1,800,961

Computed as the sum of the director compensation table rows above; inputs and formula shown in the register.

Peer group, and who names OppFi as a peer

Companies that benchmark against OPFI

1 company names OPFI as a compensation peer

Oportun Financial CorpOPRTFY2025

Each company listed discloses OPFI in its own benchmarking peer group, as disclosed in each company's most recent proxy statement within the last two proxy seasons. Two companies are therefore absent by design: one that named OPFI in an earlier year and no longer does, and one whose own most recent disclosure is older than the last two seasons.

Disclosed peer group — fiscal year 2025

The compensation peer group as the company disclosed it in its own proxy — the reference set behind the percentile above.

ALRS Alerus Financial Corp.PRAA PRA Group, Inc.GDOT Green Dot Corp.IMXI International Money Express, Inc.ML MoneyLion Inc.RHLD Katapult Holdings, Inc.ENVA Enova International, Inc.RM Regional Management Corp.WRLD World Acceptance Corp.UPST Upstart Holdings, Inc.DAVE Dave Inc.LC LendingClub Corp.CPSS Consumer Portfolio Services, Inc.MFIN Medallion Financial Corp.EZPW EZCORP, Inc. Propel Holdings Inc.

Chief executive pay against the peer group

Most recent fiscal-year chief executive compensation at each disclosed peer, taken from that company’s own proxy statement.

Rank	Company	FY	Chief executive	Salary	Stock awards	Option awards	Non-equity incentive	Total
1	Enova International, Inc.	2025	David Fisher	$1,030,385	$4,121,406	$3,969,397	$1,519,815	$11,703,176
2	Dave Inc.	2025	Jason Wilk	563,462	8,480,566	0	1,150,000	10,208,028
3	Upstart Holdings, Inc.	2025	Dave Girouard	536,667	0	8,597,565	536,603	9,670,835
4	Green Dot Corp.	2024	George Gresham	818,270	6,687,635	0	619,001	8,132,670
5	MoneyLion Inc.	2023	Diwakar Choubey	650,000	4,848,284	0	0	6,595,566
6	International Money Express, Inc.	2024	Robert Lisy	1,000,000	4,200,000	0	837,500	6,042,098
7	Ezcorp, Inc.	2025	Lachlan Given	750,000	3,472,920	0	1,530,000	5,885,735
8	Medallion Financial Corp.	2025	Andrew Murstein	1,084,164	2,400,000	0	2,141,577	5,716,187
9	Consumer Portfolio Services, Inc.	2025	Charles Bradley	995,000	0	1,139,790	3,283,500	5,439,647
10	PRA Group, Inc.	2025	Martin Sjolund	746,829	3,312,393	0	827,781	4,938,095
11	Regional Management Corp.	2025	Robert Beck	680,000	2,999,995	0	1,021,020	4,824,409
12	LendingClub Corp.	2025	Scott Sanborn	575,000	2,690,865	0	1,004,813	4,823,478
13	World Acceptance Corp.	2026	J. Tobin Turner	364,662	2,564,635	0	0	2,961,396
14	Katapult Holdings, Inc.	2025	Tom Knott	750,000	0	0	0	2,264,000
15	Alerus Financial Corp.	2025	Katie Lorenson	625,000	437,500	0	484,688	1,630,180
16	OppFi Inc.	2025	Todd Schwartz	461,538	1,137,204	0	0	1,599,726

Each peer’s compensation is from its most recently filed proxy; fiscal years differ by company. Each peer’s figures come from its own filings; the subject company is highlighted. Peers whose chief executive compensation is outside our coverage universe are stated as such, never left blank.

Incentive design against the same peers

Company	Annual incentive payout	Long-term vehicle mix	PSU measures include TSR	Compensation consultant
OppFi Inc.	not disclosed	not disclosed	not disclosed	Frederic W. Cook & Co. Inc.
Alerus Financial Corp.	141%	PSU 60 · RSU 40	No	FW Cook
Consumer Portfolio Services, Inc.	not disclosed	Option 100	not disclosed	not disclosed
Dave Inc.	200%	PSU 50 · RSU 50	No	Semler Brossy Consulting Group
Enova International, Inc.	142%	not disclosed	not disclosed	WTW
Ezcorp, Inc.	not disclosed	PRSU 80 · RSU 20	not disclosed	Mercer (US) Inc.
Green Dot Corp.	50.4%	PRSU 75 · RSU 25	Yes — Relative TSR vs. S&P 1500 Financials Index	Mercer
International Money Express, Inc.	not disclosed	PSU 50 · RSA 25 · RSU 25	No	FW Cook
Katapult Holdings, Inc.	200%	not disclosed	not disclosed	not disclosed
LendingClub Corp.	116.5%	PSU 41 · RSU 34 · Cash LTI 25	Yes — Relative TSR	FW Cook
Medallion Financial Corp.	not disclosed	RSU 50 · PSU 50	No	Meridian Compensation Partners, LLC
MoneyLion Inc.	not disclosed	not disclosed	No	not disclosed
PRA Group, Inc.	not disclosed	PSU 50 · RSU 50	Yes — Relative TSR	Pearl Meyer
Regional Management Corp.	100.1%	PSU 50 · RSU 50	Yes — relative TSR	Frederic W. Cook & Co., Inc. (FW Cook)
Upstart Holdings, Inc.	100.95%	Options 100	not disclosed	Compensia
World Acceptance Corp.	not disclosed	not disclosed	No	not disclosed

Read from each company’s Compensation Discussion and Analysis: annual incentive payout as a percentage of target, the disclosed long-term vehicle mix, whether performance-share measures include a total shareholder return component, and the retained compensation consultant. “Not disclosed” appears only where the company’s filing does not state the item.

Say-on-pay history and pay ratio

Meeting year	Meeting date	For	Against	Abstain	Support	Outcome
2026	2026-06-09	69,344,938	3,410,976	36,289	95.31%	Passed

Rows are labeled by annual-meeting year, with the meeting date beside each; the vote held in a given year acts on the prior fiscal year’s compensation.

Say-on-pay — history, company’s computation

Meeting year	Meeting date	Approval — company’s computation
2026	2026-06-09	95.31%^a

a. Voting standard not stated in the filing.

Approval percentages are the company’s own reported computations under its own stated standard, not recomputed by Velarion. Where a company does not state a standard, none is assumed.

CEO pay ratio

Ratio (CEO : median employee)	30 : 1
CEO total compensation	—
Median employee compensation	—

Insider trades since the proxy

No insider equity transactions reported since the proxy statement.

Sources (29 citations)

Each figure is listed with the filing it comes from, where it appears in that filing, and the value as printed. Any figure can be independently confirmed against the source.

Section 01, Todd Schwartz. DEF 14A, filed 2026-04-28. Section “2025 Summary Compensation Table” · page 31. As printed: 1,599,726. View filing ↗
Section 01, Christopher McKay. DEF 14A, filed 2026-04-28. Section “2025 Summary Compensation Table”. As printed: 1,465,937. View filing ↗
Section 01, Pamela Johnson. DEF 14A, filed 2026-04-28. Section “2025 Summary Compensation Table”. As printed: 1,436,147. View filing ↗
Section 07, pay ratio. DEF 14A, filed 2026-04-28. Section “CEO Pay Ratio”. As printed: 30 : 1. View filing ↗
Section 08, David Vennettilli. DEF 14A, filed 2026-04-28. Section “Director Compensation”. As printed: 792,099. View filing ↗
Section 08, Jocelyn Moore. DEF 14A, filed 2026-04-28. Section “Director Compensation”. As printed: 272,528. View filing ↗
Section 08, Greg Zeeman. DEF 14A, filed 2026-04-28. Section “Director Compensation”. As printed: 259,778. View filing ↗
Section 08, Christina Favilla. DEF 14A, filed 2026-04-28. Section “Director Compensation”. As printed: 247,278. View filing ↗
Section 08, Theodore Schwartz. DEF 14A, filed 2026-04-28. Section “Director Compensation”. As printed: 229,278. View filing ↗
Section 08, Todd Schwartz. DEF 14A, filed 2026-04-28. Section “Director Compensation”. As printed: 0. View filing ↗
Section 06, 2026 vote. Form 8-K, filed 2026-06-10. Item 5.07 · say-on-pay result. As reported: 95.31% (votes for as printed: 69,344,938.52). View filing ↗
Section 01 trend, Δ column (computed). Computed. Δ = current-FY total − prior-FY total per named officer.
Section 09b board cost (computed). Computed. Cash 366,750 + equity 1,434,211 + all other 0 = 1,800,961, summed across the director compensation table rows.
Enova International, Inc., Section 10b CEO total. DEF 14A, filed 2026-04-02. CEO total compensation as printed in Enova International, Inc.'s own proxy. As printed: 11,703,176. View filing ↗
Dave Inc., Section 10b CEO total. DEF 14A, filed 2026-04-20. CEO total compensation as printed in Dave Inc.'s own proxy. As printed: 10,208,028. View filing ↗
Upstart Holdings, Inc., Section 10b CEO total. DEF 14A, filed 2026-04-16. CEO total compensation as printed in Upstart Holdings, Inc.'s own proxy. As printed: 9,670,835. View filing ↗
Green Dot Corp., Section 10b CEO total. DEF 14A, filed 2025-04-11. CEO total compensation as printed in Green Dot Corp.'s own proxy. As printed: 8,132,670. View filing ↗
MoneyLion Inc., Section 10b CEO total. DEF 14A, filed 2024-04-29. CEO total compensation as printed in MoneyLion Inc.'s own proxy. As printed: 6,595,566. View filing ↗
International Money Express, Inc., Section 10b CEO total. DEFR 14A, filed 2025-05-12. CEO total compensation as printed in International Money Express, Inc.'s own proxy. As printed: 6,042,098. View filing ↗
Ezcorp, Inc., Section 10b CEO total. 10-K, filed 2025-11-13. CEO total compensation as printed in Ezcorp, Inc.'s own proxy. As printed: 5,885,735. View filing ↗
Medallion Financial Corp., Section 10b CEO total. DEF 14A, filed 2026-04-30. CEO total compensation as printed in Medallion Financial Corp.'s own proxy. As printed: 5,716,187. View filing ↗
Consumer Portfolio Services, Inc., Section 10b CEO total. DEF 14A, filed 2026-09-30. CEO total compensation as printed in Consumer Portfolio Services, Inc.'s own proxy. As printed: 5,439,647. View filing ↗
PRA Group, Inc., Section 10b CEO total. DEF 14A, filed 2026-04-30. CEO total compensation as printed in PRA Group, Inc.'s own proxy. As printed: 4,938,095. View filing ↗
Regional Management Corp., Section 10b CEO total. DEF 14A, filed 2026-04-09. CEO total compensation as printed in Regional Management Corp.'s own proxy. As printed: 4,824,409. View filing ↗
LendingClub Corp., Section 10b CEO total. DEF 14A, filed 2026-04-21. CEO total compensation as printed in LendingClub Corp.'s own proxy. As printed: 4,823,478. View filing ↗
World Acceptance Corp., Section 10b CEO total. DEF 14A, filed 2026-07-22. CEO total compensation as printed in World Acceptance Corp.'s own proxy. As printed: 2,961,396. View filing ↗
Katapult Holdings, Inc., Section 10b CEO total. DEF 14A, filed 2026-04-24. CEO total compensation as printed in Katapult Holdings, Inc.'s own proxy. As printed: 2,264,000. View filing ↗
Alerus Financial Corp., Section 10b CEO total. DEF 14A, filed 2026-04-01. CEO total compensation as printed in Alerus Financial Corp.'s own proxy. As printed: 1,630,180. View filing ↗
OppFi Inc. (subject), Section 10b CEO total. DEF 14A, filed 2026-04-28. CEO total compensation as printed in OppFi Inc.'s own proxy. As printed: 1,599,726. View filing ↗