Affirm (AFRM)

=== SEC Form 4 — Statement of Changes in Beneficial Ownership === Document Type: 4 Period of Report: 2026-01-01 10b5-1 Pre-arranged Plan: No --- Issuer --- Name: Affirm Holdings, Inc. (AFRM) CIK: 0001820953 --- Reporting Owner --- Name: Adkins Katherine CIK: 0001870331 Role: Officer (Chief Legal Officer) --- Non-Derivative Transactions --- [Transaction #1] Security: Class A Common Stock Date: 2026-01-01 | Code: M (Exercise of derivative) Shares: +1,707 | Price: $0.00 Shares Owned After: 132,088 | Ownership: D (Direct) [Transaction #2] Security: Class A Common Stock Date: 2026-01-01 | Code: F (Payment of exercise/tax) Shares: -864 | Price: $74.43 Total Value: $64,307.52 Shares Owned After: 131,224 | 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 January 1, 2026. --- Derivative Transactions --- [Transaction #1] Security: Restricted Stock Units Date: 2026-01-01 | Code: M (Exercise of derivative) Shares: -306 | 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] The RSUs vest in 48 equal monthly installments beginning February 1, 2022, subject to the Reporting Person's continuous service with the Issuer as of each vesting date. This grant has no expiration date. [F3] The RSUs vest in 48 equal monthly installments beginning February 1, 2022, subject to the Reporting Person's continuous service with the Issuer as of each vesting date. This grant has no expiration date. [Transaction #2] Security: Restricted Stock Units Date: 2026-01-01 | Code: M (Exercise of derivative) Shares: -1,401 | Price: $0.00 Shares Owned After: 11,212 | 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] The RSUs 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. This grant has no expiration date. [F4] The RSUs 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. 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 January 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: The RSUs vest in 48 equal monthly installments beginning February 1, 2022, subject to the Reporting Person's continuous service with the Issuer as of each vesting date. This grant has no expiration date. F4: The RSUs 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. This grant has no expiration date. --- Signature --- /s/ /s/ Josh Samples, Attorney-in-Fact (2026-01-05)