Welcome to our dedicated page for Affirm Holdings SEC filings (Ticker: AFRM), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Affirm Holdings, Inc. filings document the company’s pay-over-time financing business, operating results, governance, and capital structure. Form 8-K reports furnish shareholder letters with quarterly results, gross merchandise volume, revenue, revenue less transaction costs, operating income, and reconciliations of non-GAAP measures to GAAP results.
Affirm’s regulatory record also includes proxy and annual meeting materials covering director elections, auditor ratification, advisory executive compensation votes, and its dual-class common stock voting structure. Other filings disclose material merchant agreements for closed-end installment loan products, warrant arrangements, and executive equity compensation through RSUs and PSUs.
Affirm Holdings, Inc. (AFRM) provides buy now, pay later and other pay-over-time products through a proprietary, data-driven lending and payments platform. The company partners with merchants, e-commerce and payment platforms, and bank partners to offer Pay-in-X, 0% APR, and interest-bearing installment loans, plus the Affirm Card and savings accounts.
As of June 30, 2026, Affirm had facilitated $50.2 billion in gross merchandise volume, served approximately 571 thousand active merchants across diverse verticals, and built risk models using data from about 553 million loans. Repeat users are a core driver: in fiscal 2026, 96% of transactions came from repeat consumers, and transactions per active consumer reached 7.0, up about 20% year over year and 44% over two years. The company relies on originating bank partners such as Celtic Bank and Lead Bank and diverse funding channels, while operating in a complex, evolving global regulatory environment with extensive consumer-protection, licensing, and data-privacy requirements.
Affirm Holdings, Inc. (AFRM) reported that it issued a Shareholder Letter on August 27, 2026 covering its financial results for the fourth fiscal quarter ended June 30, 2026. The letter, furnished as Exhibit 99.1, includes non-GAAP financial measures with reconciliations to comparable GAAP metrics.
The company’s Board appointed Michael Linford as President effective August 27, 2026. He previously served as Chief Operating Officer since September 2024 and Chief Financial Officer from August 2018 to November 2024. In his new role, he adds oversight of legal, compliance, public affairs, revenue and global markets while continuing oversight of brand, communications, enterprise risk, finance, internal audit and people functions. Existing compensation arrangements for Mr. Linford remain unchanged, and he has no family relationships with directors or executive officers and no related-party transactions requiring disclosure. Libor Michalek continues to serve as President overseeing engineering, risk, operations, product and design and remains on the Board, and both executives report to CEO and Chair Max Levchin.
Affirm Holdings, Inc. director Noel Bertram Watson reported a sale of 2,000 shares of Class A Common Stock on August 12, 2026 at $77.86 per share. After this transaction, he held 34,076 shares directly. The sale was effected pursuant to a Rule 10b5-1 trading plan adopted on December 2, 2025.
Affirm Holdings, Inc. reported an updated ownership disclosure from Capital World Investors, a division of Capital Research and Management Company and its investment management affiliates. Capital World Investors is deemed to be the beneficial owner of 23,115,136 shares of Affirm common stock, representing 7.9% of the 294,357,801 shares believed to be outstanding.
The filing states that Capital World Investors has sole voting powersole dispositive power
Affirm Holdings, Inc. insider Noel Watson, through Morgan Stanley Smith Barney LLC Executive Financial Services, filed to sell common stock under a Rule 144 notice. The planned sale covers 2,000 shares of common stock with an aggregate market value of $153,410.00, listed on NASDAQ under CUSIP 294357801, with an anticipated sale date of August 12, 2026. These shares relate to Restricted Stock Units granted on December 4, 2024 for 2,000 shares. The disclosure also notes a prior Rule 10b5-1 sale of 2,000 shares of common stock on May 13, 2026 for proceeds of $130,000.00.
Affirm Holdings, Inc. reported that Chief Legal Officer Katherine Adkins settled 1,401 Restricted Stock Units into an equal number of Class A Common shares on August 1, 2026. Of these, 634 shares were withheld at $71.51 per share to cover tax obligations. The RSU grant vests in 48 equal monthly installments beginning October 1, 2022, and 1,403 RSUs remain outstanding after this vesting event.
Affirm Holdings, Inc. reported that president and director Libor Michalek had 2,335 Restricted Stock Units vest on August 1, 2026, converting into the same number of Class A Common shares. Of these, 1,189 shares were withheld at $71.51 per share to satisfy tax obligations. After these transactions, 868,114 Class A shares are held indirectly through the Michalek 2007 Family Trust, and 2,338 RSUs from this grant remain outstanding.
Affirm Holdings, Inc. reports that Chief Operating Officer Michael Linford settled 2,335 restricted stock units (RSUs) into an equal number of Class A common shares on August 1, 2026. In connection with this vesting, 970 shares were withheld at $71.51 per share to cover tax obligations, and 2,338 RSUs remain outstanding under a grant that vests in 48 equal monthly installments beginning October 1, 2022.
JPMorgan Chase & Co. reports beneficial ownership of 16,832,019 shares of Affirm Holdings, Inc. Class A common stock, representing 5.7% of the class as of June 30, 2026.
The firm has 15,097,009 shares with sole voting power and 251,760 with shared voting power. It holds 16,752,611 shares with sole dispositive power and 79,408 with shared dispositive power. The position is held through multiple subsidiaries, including various J.P. Morgan asset management, securities, banking, and trust entities.
Affirm Holdings, Inc. has JPMorgan Chase & Co. as a significant institutional holder. JPMorgan reports beneficial ownership of 16,832,019 shares of Affirm Class A common stock, representing 5.7 % of the outstanding class.
JPMorgan has sole voting power over 15,097,009 shares and shared voting power over 251,760 shares. It has sole dispositive power over 16,752,611 shares and shared dispositive power over 79,408 shares, held through multiple subsidiaries such as J.P. Morgan Trust Company of Delaware and J.P. Morgan Securities LLC.