=== SEC Form 4 — Statement of Changes in Beneficial Ownership ===
Document Type: 4
Period of Report: 2026-01-05
10b5-1 Pre-arranged Plan: Yes
--- 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: 2026-01-05 | Code: M (Exercise of derivative)
Shares: +3,730 | Price: $41.80
Total Value: $155,914.00
Shares Owned After: 5,098 | Ownership: D (Direct)
Footnotes:
[F1] The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on June 12, 2025.
[Transaction #2]
Security: Class A Common Stock
Date: 2026-01-05 | Code: M (Exercise of derivative)
Shares: +11,347 | Price: $17.19
Total Value: $195,054.93
Shares Owned After: 16,445 | Ownership: D (Direct)
Footnotes:
[F1] The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on June 12, 2025.
[Transaction #3]
Security: Class A Common Stock
Date: 2026-01-05 | Code: M (Exercise of derivative)
Shares: +5,118 | Price: $22.30
Total Value: $114,131.40
Shares Owned After: 21,563 | Ownership: D (Direct)
Footnotes:
[F1] The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on June 12, 2025.
[Transaction #4]
Security: Class A Common Stock
Date: 2026-01-05 | Code: M (Exercise of derivative)
Shares: +9,704 | Price: $23.35
Total Value: $226,588.40
Shares Owned After: 31,267 | Ownership: D (Direct)
Footnotes:
[F1] The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on June 12, 2025.
[Transaction #5]
Security: Class A Common Stock
Date: 2026-01-05 | Code: M (Exercise of derivative)
Shares: +3,996 | Price: $44.06
Total Value: $176,063.76
Shares Owned After: 35,263 | Ownership: D (Direct)
Footnotes:
[F1] The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on June 12, 2025.
[Transaction #6]
Security: Class A Common Stock
Date: 2026-01-05 | Code: M (Exercise of derivative)
Shares: +2,506 | Price: $57.59
Total Value: $144,320.54
Shares Owned After: 37,769 | Ownership: D (Direct)
Footnotes:
[F1] The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on June 12, 2025.
[Transaction #7]
Security: Class A Common Stock
Date: 2026-01-05 | Code: S (Open market sale)
Shares: -36,401 | Price: $80.00
Total Value: $2,912,080.00
Shares Owned After: 1,368 | Ownership: D (Direct)
Footnotes:
[F1] The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on June 12, 2025.
--- Derivative Transactions ---
[Transaction #1]
Security: Stock Option (Right to Buy)
Date: 2026-01-05 | Code: M (Exercise of derivative)
Shares: -3,730 | Price: $0.00
Exercisable: N/A | Expires: 2032-03-02
Shares Owned After: 1,866 | Ownership: D (Direct)
Footnotes:
[F1] The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on June 12, 2025.
[F2] The stock options vest in 48 equal monthly installments beginning April 1, 2022, subject to the Reporting Person's continuous service with the Issuer as of each vesting date.
[Transaction #2]
Security: Stock Option (Right to Buy)
Date: 2026-01-05 | Code: M (Exercise of derivative)
Shares: -11,347 | Price: $0.00
Exercisable: N/A | Expires: 2032-07-01
Shares Owned After: 17,023 | Ownership: D (Direct)
Footnotes:
[F1] The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on June 12, 2025.
[F3] The stock options vest in 48 equal monthly installments beginning August 1, 2022, subject to the Reporting Person's continuous service with the Issuer as of each vesting date.
[Transaction #3]
Security: Stock Option (Right to Buy)
Date: 2026-01-05 | Code: M (Exercise of derivative)
Shares: -5,118 | Price: $0.00
Exercisable: N/A | Expires: 2032-09-16
Shares Owned After: 10,239 | Ownership: D (Direct)
Footnotes:
[F1] The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on June 12, 2025.
[F4] The stock options vest in 48 equal monthly installments beginning October 1, 2022, subject to the Reporting Person's continuous service with the Issuer as of each vesting date.
[Transaction #4]
Security: Stock Option (Right to Buy)
Date: 2026-01-05 | Code: M (Exercise of derivative)
Shares: -9,704 | Price: $0.00
Exercisable: N/A | Expires: 2033-09-13
Shares Owned After: 48,526 | Ownership: D (Direct)
Footnotes:
[F1] The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on June 12, 2025.
[F5] The stock options vest as to 25% of the underlying shares on September 1, 2024 and the remainder vest in 36 equal monthly installments over the subsequent three years subject to the Reporting Person's continuous service with the Issuer as of each vesting date.
[Transaction #5]
Security: Stock Option (Right to Buy)
Date: 2026-01-05 | Code: M (Exercise of derivative)
Shares: -3,996 | Price: $0.00
Exercisable: N/A | Expires: 2034-09-16
Shares Owned After: 31,969 | Ownership: D (Direct)
Footnotes:
[F1] The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on June 12, 2025.
[F6] The stock options vest as to 25% of the underlying shares on September 1, 2025 and the remainder vest in 36 equal monthly installments over the subsequent three years subject to the Reporting Person's continuous service with the Issuer as of each vesting date.
[Transaction #6]
Security: Stock Option (Right to Buy)
Date: 2026-01-05 | Code: M (Exercise of derivative)
Shares: -2,506 | Price: $0.00
Exercisable: N/A | Expires: 2034-11-12
Shares Owned After: 21,294 | Ownership: D (Direct)
Footnotes:
[F1] The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on June 12, 2025.
[F7] The stock options vest in 48 equal monthly installments beginning December 1, 2024, subject to the Reporting Person's continuous service with the Issuer as of each vesting date.
--- Footnotes (Complete Index) ---
F1: The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on June 12, 2025.
F2: The stock options vest in 48 equal monthly installments beginning April 1, 2022, subject to the Reporting Person's continuous service with the Issuer as of each vesting date.
F3: The stock options vest in 48 equal monthly installments beginning August 1, 2022, subject to the Reporting Person's continuous service with the Issuer as of each vesting date.
F4: The stock options vest in 48 equal monthly installments beginning October 1, 2022, subject to the Reporting Person's continuous service with the Issuer as of each vesting date.
F5: The stock options vest as to 25% of the underlying shares on September 1, 2024 and the remainder vest in 36 equal monthly installments over the subsequent three years subject to the Reporting Person's continuous service with the Issuer as of each vesting date.
F6: The stock options vest as to 25% of the underlying shares on September 1, 2025 and the remainder vest in 36 equal monthly installments over the subsequent three years subject to the Reporting Person's continuous service with the Issuer as of each vesting date.
F7: The stock options vest in 48 equal monthly installments beginning December 1, 2024, subject to the Reporting Person's continuous service with the Issuer as of each vesting date.
--- Signature ---
/s/ /s/ Josh Samples, Attorney-in-Fact (2026-01-07)
