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Affirm (NASDAQ: AFRM) CLO logs RSU vesting, tax share withholding in Form 4

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Affirm Holdings, Inc. Chief Legal Officer Katherine Adkins reported routine equity compensation activity involving restricted stock units. On July 1, 2026, 1,402 RSUs converted into an equal number of Class A Common shares. Of these, 635 shares were withheld to cover her tax obligation, a non-market disposition rather than an open-market sale. Following these transactions, she held 145,873 Class A Common shares directly. The RSU grant vests in 48 equal monthly installments beginning October 1, 2022, conditioned on her continued service with the company.

Positive

  • None.

Negative

  • None.
Insider Adkins Katherine
Role Chief Legal Officer
Type Security Shares Price Value
Exercise Restricted Stock Units 1,402 $0.00 --
Exercise Class A Common Stock 1,402 $0.00 --
Tax Withholding Class A Common Stock 635 $83.85 $53K
Holdings After Transaction: Restricted Stock Units — 2,804 shares (Direct, null); Class A Common Stock — 146,508 shares (Direct, null)
Footnotes (1)
  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 July 1, 2026. Each Restricted Stock Unit (RSU) represents a contingent right to receive one share of the Issuer's Class A Common Stock. 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.
RSUs Converted 1,402 shares RSUs converted to Class A Common Stock on July 1, 2026
Shares Withheld for Taxes 635 shares Shares withheld to satisfy tax obligation on RSU vesting
Post-transaction Holdings 145,873 shares Class A Common Stock held directly after transactions
RSU Vesting Schedule 48 monthly installments Vesting begins October 1, 2022, subject to continuous service
Tax Withholding Share Price $83.85 per share Value used for 635-share tax-withholding disposition
RSU Conversion Price $0.00 per unit RSUs convert to Class A Common Stock at no cash exercise price
Restricted Stock Units financial
"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"
Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.
tax obligation financial
"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"
vested financial
"restricted stock units that vested on July 1, 2026"
Class A Common Stock financial
"Each Restricted Stock Unit (RSU) represents a contingent right to receive one share of the Issuer's Class A Common Stock"
Class A common stock is a category of a company’s shares that carries a specific set of ownership rights—most commonly defined voting power and claims on dividends—set out in the company’s charter. For investors it matters because the class determines how much influence you have over corporate decisions, the share’s likely dividend and trading behavior, and how it compares in value to other share classes, like choosing a particular seat with different privileges at the company’s decision-making table.
contingent right financial
"Each Restricted Stock Unit (RSU) represents a contingent right to receive one share"
continuous service financial
"subject to the Reporting Person's continuous service with the Issuer as of each vesting date"
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FAQ

Did Katherine Adkins execute an open-market sale of AFRM stock in this Form 4?

No, the Form 4 shows no open-market sale. It reports 635 shares withheld to pay taxes on vested RSUs, which is a non-market tax-withholding disposition, and 1,402 shares acquired through RSU conversion into Class A Common Stock.

How many AFRM shares does Katherine Adkins hold after these transactions?

After the reported RSU vesting and related tax withholding, Katherine Adkins directly holds 145,873 shares of Affirm Class A Common Stock. This figure reflects her updated post-transaction ownership reported in the Form 4 filing for July 1, 2026.

What are the terms of Katherine Adkins’ RSU grant at Affirm (AFRM)?

Her RSU grant vests in 48 equal monthly installments beginning October 1, 2022. Each Restricted Stock Unit represents a contingent right to receive one share of Affirm’s Class A Common Stock, subject to her continuous service through each monthly vesting date.

How many AFRM shares were used to cover taxes on Adkins’ RSU vesting?

A total of 635 shares of Affirm’s Class A Common Stock were withheld to satisfy Katherine Adkins’ tax obligation connected to the July 1, 2026 RSU vesting. This withholding is recorded as a tax-liability disposition rather than an ordinary share sale.

What type of securities were involved in Katherine Adkins’ AFRM Form 4 filing?

The filing involves Affirm Class A Common Stock and Restricted Stock Units. The RSUs each convert into one share of Class A Common Stock as they vest monthly, with a portion of the resulting shares withheld to meet Adkins’ tax obligations on the vesting event.
SEC Form 4
FORM 4UNITED 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*
Adkins Katherine

(Last)(First)(Middle)
C/O AFFIRM HOLDINGS, INC.
650 CALIFORNIA STREET

(Street)
SAN FRANCISCO CALIFORNIA 94108

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
Affirm Holdings, Inc. [ AFRM ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director10% Owner
XOfficer (give title below)Other (specify below)
Chief Legal Officer
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
07/01/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

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)
CodeVAmount(A) or (D)Price
Class A Common Stock07/01/2026M1,402A$0146,508D
Class A Common Stock07/01/2026F635(1)D$83.85145,873D
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Restricted Stock Units(2)07/01/2026M1,402 (3) (3)Class A Common Stock1,402$02,804D
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 July 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. 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.
Remarks:
/s/ Josh Samples, Attorney-in-Fact07/06/2026
** Signature of Reporting PersonDate
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.
* Form 4: SEC 1474 (03-26)