Michael Linford - 30 Jan 2026 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: 30 Jan 2026
Net transactions value: +$980,000
Form type: 4
Filing time: 30 Jan 2026, 18:08:57 UTC
Previous filing: 05 Jan 2026
Next filing: 03 Feb 2026
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	30 Jan 2026	0001715913

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	AFRM	Class A Common Stock	Options Exercise	$980,000	+20,000	+34%	$49.00	78,562	30 Jan 2026	Direct

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	Stock Option (Right to Buy)	Options Exercise	$0	-20,000	-6.6%	$0.000000	283,751	30 Jan 2026	Class A Common Stock	20,000	$49.00	Direct	F1, F2

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

Explanation of Responses:

Id	Content
F1	The reporting person executed a non-market exercise and hold transaction with respect to these stock options and the underlying shares.
F2	Stock options vest with respect to 5% of the shares of Class A Common Stock underlying the stock option on the six-month anniversary of January 1, 2021, the vesting commencement date, and the remainder of the grant will vest in quarterly installments over a period of four years, in annual aggregate amounts equal to 15%, 20%, 30% and 30%, respectively, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. The Reporting Person can elect to exercise the stock options at any time, provided that the shares acquired upon exercise remain subject to the applicable vesting schedule.

Content

The reporting person executed a non-market exercise and hold transaction with respect to these stock options and the underlying shares.

Stock options vest with respect to 5% of the shares of Class A Common Stock underlying the stock option on the six-month anniversary of January 1, 2021, the vesting commencement date, and the remainder of the grant will vest in quarterly installments over a period of four years, in annual aggregate amounts equal to 15%, 20%, 30% and 30%, respectively, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. The Reporting Person can elect to exercise the stock options at any time, provided that the shares acquired upon exercise remain subject to the applicable vesting schedule.