Michael Linford - 01 Nov 2025 Form 4 Insider Report for Affirm Holdings, Inc. (AFRM)

Role: Chief Operating Officer
Signature: /s/ Josh Samples, Attorney-in-Fact
Issuer symbol: AFRM
Transactions as of: 01 Nov 2025
Net transactions value: -$70,658
Form type: 4
Filing time: 04 Nov 2025, 16:11:59 UTC
Previous filing: 03 Oct 2025
Next filing: 03 Dec 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Linford Michael	Chief Operating Officer	C/O AFFIRM HOLDINGS, INC., 650 CALIFORNIA STREET, SAN FRANCISCO	/s/ Josh Samples, Attorney-in-Fact	04 Nov 2025	0001715913

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	AFRM	Class A Common Stock	Options Exercise	$0	+2,335	+4.8%	$0.000000	50,918	01 Nov 2025	Direct
transaction	AFRM	Class A Common Stock	Tax liability	$70,658	-983	-1.9%	$71.88	49,935	01 Nov 2025	Direct	F1

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	AFRM	Restricted Stock Units	Options Exercise	$0	-2,335	-9.1%	$0.000000	23,358	01 Nov 2025	Class A Common Stock	2,335		Direct	F2, F3

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
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 November 1, 2025.
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 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.