Affirm (NASDAQ: AFRM) CFO details RSU vesting and tax share withholding

Rhea-AI Filing Summary

Affirm Holdings, Inc. Chief Financial Officer Robert O'Hare reported multiple equity compensation transactions dated March 1, 2026. Several blocks of restricted stock units (RSUs) were exercised or converted, consistent with their vesting schedules, each RSU representing one share of Class A common stock.

These conversions resulted in the acquisition of 18,430 shares of Class A common stock at a price of $0.0000 per share and a remaining direct holding of 10,418 shares after all transactions. In a separate transaction coded "F", 9,380 shares were disposed of at $46.98 per share to cover tax obligations tied to the RSU settlements.

Footnotes explain that different RSU grants vest in equal monthly or quarterly installments starting between 2022 and 2025, in some cases with 25% vesting on a specified date followed by 12 equal quarterly installments, all subject to O'Hare’s continued service with Affirm.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

O'Hare Robert

(Last) (First) (Middle)

650 CALIFORNIA STREET

(Street)

SAN FRANCISCO CA 94108

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Affirm Holdings, Inc. [ AFRM ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Financial Officer

3. Date of Earliest Transaction (Month/Day/Year)
03/01/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Class A Common Stock	03/01/2026		M		18,430	A	$0	19,798	D
Class A Common Stock	03/01/2026		F		9,380(1)	D	$46.98	10,418	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units	(2)	03/01/2026		M			499	(3)	(3)	Class A Common Stock	499	$0	0	D
Restricted Stock Units	(2)	03/01/2026		M			4,545	(4)	(4)	Class A Common Stock	4,545	$0	3,031	D
Restricted Stock Units	(2)	03/01/2026		M			2,102	(5)	(5)	Class A Common Stock	2,102	$0	2,804	D
Restricted Stock Units	(2)	03/01/2026		M			5,018	(6)	(6)	Class A Common Stock	5,018	$0	30,113	D
Restricted Stock Units	(2)	03/01/2026		M			2,128	(7)	(7)	Class A Common Stock	2,128	$0	21,278	D
Restricted Stock Units	(2)	03/01/2026		M			1,357	(8)	(8)	Class A Common Stock	1,357	$0	13,566	D
Restricted Stock Units	(2)	03/01/2026		M			2,781	(9)	(9)	Class A Common Stock	2,781	$0	27,805	D

Explanation of Responses:

1. 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 March 1, 2026.

2. Each Restricted Stock Unit (RSU) represents a contingent right to receive one share of the Issuer's Class A Common Stock.

3. With respect to the shares of Class A Common Stock underlying the RSUs, the RSUs vested in equal monthly installments from April 1, 2022 until August 1, 2023. Beginning September 1, 2023, the RSUs vest in equal quarterly installments, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date.

4. With respect to the shares of Class A Common Stock underlying the RSUs, the RSUs vested in equal monthly installments from August 1, 2022 until August 1, 2023. Beginning September 1, 2023, the RSUs vest in equal quarterly installments, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date.

5. With respect to the shares of Class A Common Stock underlying the RSUs, the RSUs vested in equal monthly installments from October 1, 2022 until August 1, 2023. Beginning September 1, 2023, the RSUs vest in equal quarterly installments, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date.

6. The RSUs vest as to 25% of the shares on September 1, 2024 and the remainder vest in 12 equal quarterly installments over the subsequent three years, subject to the Reporting Person's continuous service with the Issuer as of each vesting date. This grant has no expiration date.

7. The RSUs vest as to 25% of the shares on September 1, 2025 and the remainder vest in 12 equal quarterly installments over the subsequent three years, subject to the Reporting Person's continuous service with the Issuer as of each vesting date. This grant has no expiration date.

8. RSUs vest in equal quarterly installments for a period of four years beginning December 1, 2024, the vesting commencement date, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date.

9. RSUs vest in equal quarterly installments for a period of three years beginning December 1, 2025, the vesting commencement date, subject to the Reporting Person's continued employment with the Issuer as of each vesting date. This grant has no expiration date.

Remarks:

	/s/ Josh Samples, Attorney-in-Fact	03/03/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What transactions did AFRM CFO Robert O'Hare report on March 1, 2026?

Robert O'Hare reported several RSU exercises and related share movements on March 1, 2026. Multiple restricted stock unit awards converted into Class A common stock, and a portion of the resulting shares was withheld to satisfy tax obligations associated with these equity settlements.

How many Affirm (AFRM) shares did Robert O'Hare acquire and hold after these Form 4 transactions?

The Form 4 shows O'Hare acquired 18,430 shares of Class A common stock at a stated price of $0.0000 per share. After all acquisitions and tax-related dispositions, his direct ownership stood at 10,418 shares of Affirm Class A common stock.

How many Affirm (AFRM) shares were withheld for Robert O'Hare’s taxes, and at what price?

A total of 9,380 shares of Affirm Class A common stock were disposed of in a transaction coded "F". The shares were valued at $46.98 each and were withheld specifically to satisfy tax obligations arising from the settlement of vested RSUs.

What do Robert O'Hare’s restricted stock units (RSUs) represent at Affirm (AFRM)?

Each restricted stock unit reported for Robert O'Hare represents a contingent right to receive one share of Affirm’s Class A common stock. RSU settlements convert these rights into actual shares as vesting conditions tied to his continued employment are satisfied.

What are the key vesting schedules for Robert O'Hare’s RSUs at Affirm (AFRM)?

Different RSU grants vest on varying schedules. Some vested in equal monthly installments through August 1, 2023, then in equal quarterly installments beginning September 1, 2023. Others vest 25% on specified September 1 dates, with remaining shares vesting in 12 equal quarterly installments thereafter.

How long do Robert O'Hare’s RSU grants at Affirm (AFRM) remain outstanding?

The footnotes state that each of the RSU grants described has no expiration date. They vest over time according to their respective monthly or quarterly schedules, contingent on O'Hare’s continued service with Affirm on each vesting date.