Affirm (AFRM)

=== SEC Form 4 — Statement of Changes in Beneficial Ownership === Document Type: 4 Period of Report: 2026-03-01 10b5-1 Pre-arranged Plan: No --- Issuer --- Name: Affirm Holdings, Inc. (AFRM) CIK: 0001820953 --- Reporting Owner --- Name: O'Hare Robert CIK: 0001633877 Role: Officer (Chief Financial Officer) --- Non-Derivative Transactions --- [Transaction #1] Security: Class A Common Stock Date: 2026-03-01 | Code: M (Exercise of derivative) Shares: +18,430 | Price: $0.00 Shares Owned After: 19,798 | Ownership: D (Direct) [Transaction #2] Security: Class A Common Stock Date: 2026-03-01 | Code: F (Payment of exercise/tax) Shares: -9,380 | Price: $46.98 Total Value: $440,672.40 Shares Owned After: 10,418 | Ownership: D (Direct) Footnotes: [F1] Represents the number of shares of the Issuer's Common Stock withheld to satisfy the Reporting Person's tax obligation in connection with the settlement of shares of Common Stock underlying the Reporting Person's restricted stock units that vested on March 1, 2026. --- Derivative Transactions --- [Transaction #1] Security: Restricted Stock Units Date: 2026-03-01 | Code: M (Exercise of derivative) Shares: -499 | Price: $0.00 Shares Owned After: 0 | Ownership: D (Direct) Footnotes: [F2] Each Restricted Stock Unit (RSU) represents a contingent right to receive one share of the Issuer's Class A Common Stock. [F3] With respect to the shares of Class A Common Stock underlying the RSUs, the RSUs vested in equal monthly installments from April 1, 2022 until August 1, 2023. Beginning September 1, 2023, the RSUs vest in equal quarterly installments, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date. [F3] With respect to the shares of Class A Common Stock underlying the RSUs, the RSUs vested in equal monthly installments from April 1, 2022 until August 1, 2023. Beginning September 1, 2023, the RSUs vest in equal quarterly installments, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date. [Transaction #2] Security: Restricted Stock Units Date: 2026-03-01 | Code: M (Exercise of derivative) Shares: -4,545 | Price: $0.00 Shares Owned After: 3,031 | Ownership: D (Direct) Footnotes: [F2] Each Restricted Stock Unit (RSU) represents a contingent right to receive one share of the Issuer's Class A Common Stock. [F4] With respect to the shares of Class A Common Stock underlying the RSUs, the RSUs vested in equal monthly installments from August 1, 2022 until August 1, 2023. Beginning September 1, 2023, the RSUs vest in equal quarterly installments, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date. [F4] With respect to the shares of Class A Common Stock underlying the RSUs, the RSUs vested in equal monthly installments from August 1, 2022 until August 1, 2023. Beginning September 1, 2023, the RSUs vest in equal quarterly installments, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date. [Transaction #3] Security: Restricted Stock Units Date: 2026-03-01 | Code: M (Exercise of derivative) Shares: -2,102 | Price: $0.00 Shares Owned After: 2,804 | Ownership: D (Direct) Footnotes: [F2] Each Restricted Stock Unit (RSU) represents a contingent right to receive one share of the Issuer's Class A Common Stock. [F5] With respect to the shares of Class A Common Stock underlying the RSUs, the RSUs vested in equal monthly installments from October 1, 2022 until August 1, 2023. Beginning September 1, 2023, the RSUs vest in equal quarterly installments, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date. [F5] With respect to the shares of Class A Common Stock underlying the RSUs, the RSUs vested in equal monthly installments from October 1, 2022 until August 1, 2023. Beginning September 1, 2023, the RSUs vest in equal quarterly installments, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date. [Transaction #4] Security: Restricted Stock Units Date: 2026-03-01 | Code: M (Exercise of derivative) Shares: -5,018 | Price: $0.00 Shares Owned After: 30,113 | Ownership: D (Direct) Footnotes: [F2] Each Restricted Stock Unit (RSU) represents a contingent right to receive one share of the Issuer's Class A Common Stock. [F6] The RSUs vest as to 25% of the shares on September 1, 2024 and the remainder vest in 12 equal quarterly installments over the subsequent three years, subject to the Reporting Person's continuous service with the Issuer as of each vesting date. This grant has no expiration date. [F6] The RSUs vest as to 25% of the shares on September 1, 2024 and the remainder vest in 12 equal quarterly installments over the subsequent three years, subject to the Reporting Person's continuous service with the Issuer as of each vesting date. This grant has no expiration date. [Transaction #5] Security: Restricted Stock Units Date: 2026-03-01 | Code: M (Exercise of derivative) Shares: -2,128 | Price: $0.00 Shares Owned After: 21,278 | Ownership: D (Direct) Footnotes: [F2] Each Restricted Stock Unit (RSU) represents a contingent right to receive one share of the Issuer's Class A Common Stock. [F7] The RSUs vest as to 25% of the shares on September 1, 2025 and the remainder vest in 12 equal quarterly installments over the subsequent three years, subject to the Reporting Person's continuous service with the Issuer as of each vesting date. This grant has no expiration date. [F7] The RSUs vest as to 25% of the shares on September 1, 2025 and the remainder vest in 12 equal quarterly installments over the subsequent three years, subject to the Reporting Person's continuous service with the Issuer as of each vesting date. This grant has no expiration date. [Transaction #6] Security: Restricted Stock Units Date: 2026-03-01 | Code: M (Exercise of derivative) Shares: -1,357 | Price: $0.00 Shares Owned After: 13,566 | Ownership: D (Direct) Footnotes: [F2] Each Restricted Stock Unit (RSU) represents a contingent right to receive one share of the Issuer's Class A Common Stock. [F8] RSUs vest in equal quarterly installments for a period of four years beginning December 1, 2024, the vesting commencement date, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date. [F8] RSUs vest in equal quarterly installments for a period of four years beginning December 1, 2024, the vesting commencement date, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date. [Transaction #7] Security: Restricted Stock Units Date: 2026-03-01 | Code: M (Exercise of derivative) Shares: -2,781 | Price: $0.00 Shares Owned After: 27,805 | Ownership: D (Direct) Footnotes: [F2] Each Restricted Stock Unit (RSU) represents a contingent right to receive one share of the Issuer's Class A Common Stock. [F9] RSUs vest in equal quarterly installments for a period of three years beginning December 1, 2025, the vesting commencement date, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date. [F9] RSUs vest in equal quarterly installments for a period of three years beginning December 1, 2025, the vesting commencement date, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date. --- Footnotes (Complete Index) --- F1: Represents the number of shares of the Issuer's Common Stock withheld to satisfy the Reporting Person's tax obligation in connection with the settlement of shares of Common Stock underlying the Reporting Person's restricted stock units that vested on March 1, 2026. F2: Each Restricted Stock Unit (RSU) represents a contingent right to receive one share of the Issuer's Class A Common Stock. F3: With respect to the shares of Class A Common Stock underlying the RSUs, the RSUs vested in equal monthly installments from April 1, 2022 until August 1, 2023. Beginning September 1, 2023, the RSUs vest in equal quarterly installments, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date. F4: With respect to the shares of Class A Common Stock underlying the RSUs, the RSUs vested in equal monthly installments from August 1, 2022 until August 1, 2023. Beginning September 1, 2023, the RSUs vest in equal quarterly installments, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date. F5: With respect to the shares of Class A Common Stock underlying the RSUs, the RSUs vested in equal monthly installments from October 1, 2022 until August 1, 2023. Beginning September 1, 2023, the RSUs vest in equal quarterly installments, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date. F6: The RSUs vest as to 25% of the shares on September 1, 2024 and the remainder vest in 12 equal quarterly installments over the subsequent three years, subject to the Reporting Person's continuous service with the Issuer as of each vesting date. This grant has no expiration date. F7: The RSUs vest as to 25% of the shares on September 1, 2025 and the remainder vest in 12 equal quarterly installments over the subsequent three years, subject to the Reporting Person's continuous service with the Issuer as of each vesting date. This grant has no expiration date. F8: RSUs vest in equal quarterly installments for a period of four years beginning December 1, 2024, the vesting commencement date, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date. F9: RSUs vest in equal quarterly installments for a period of three years beginning December 1, 2025, the vesting commencement date, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date. --- Signature --- /s/ /s/ Josh Samples, Attorney-in-Fact (2026-03-03)