STOCK TITAN

Affirm (NASDAQ: AFRM) CLO nets shares after RSU vesting and tax withholding

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 May 1, 2026. She acquired 1,401 shares of Class A Common Stock upon settlement of vested RSUs and had 5,607 RSUs remaining afterward.

To cover related tax obligations, 634 shares of Class A Common Stock were withheld, classified as a tax-withholding disposition rather than an open‑market sale at $67.54 per share. Following these transactions, Adkins directly held 139,943 shares of Class A Common Stock.

Positive

  • None.

Negative

  • None.
Insider Adkins Katherine
Role Chief Legal Officer
Type Security Shares Price Value
Exercise Restricted Stock Units 1,401 $0.00 --
Exercise Class A Common Stock 1,401 $0.00 --
Tax Withholding Class A Common Stock 634 $67.54 $43K
Holdings After Transaction: Restricted Stock Units — 5,607 shares (Direct, null); Class A Common Stock — 139,943 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 May 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.
RSU shares settled 1,401 shares Class A Common Stock from RSU settlement on May 1, 2026
Shares withheld for taxes 634 shares Tax-withholding disposition at $67.54 per share
Tax withholding price $67.54 per share Value used for 634 withheld shares of Class A Common Stock
Shares held after transactions 139,943 shares Direct Class A Common Stock holding following Form 4 events
RSUs remaining 5,607 RSUs Restricted Stock Units outstanding after the May 1, 2026 vesting
RSU vesting schedule 48 monthly installments Vesting from October 1, 2022, contingent on continuous service
Restricted Stock Unit (RSU) financial
"Each Restricted Stock Unit (RSU) represents a contingent right to receive one share"
A restricted stock unit (RSU) is a promise from a company to give an employee company shares (or cash equal to their value) at a future date if certain conditions are met, such as staying with the company or hitting performance targets. For investors, RSUs matter because when they convert into actual shares they increase the number of shares available and can create selling pressure as employees cash out—think of them as a future paycheck paid in company stock.
tax obligation financial
"shares of Common Stock withheld to satisfy the Reporting Person's tax obligation"
Class A Common Stock financial
"shares of the Issuer's Common Stock withheld to satisfy the Reporting Person's tax obligation"
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.
vesting financial
"RSUs vest in 48 equal monthly installments beginning October 1, 2022"
Vesting is the process by which you earn full ownership of something, like company stock or a retirement benefit, over time. It’s like earning the right to keep a gift piece by piece the longer you stay with a company, making sure employees stay committed before they receive all the benefits.
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)
05/01/2026
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 Stock05/01/2026M1,401A$0139,943D
Class A Common Stock05/01/2026F634(1)D$67.54139,309D
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)05/01/2026M1,401 (3) (3)Class A Common Stock1,401$05,607D
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 May 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-Fact05/05/2026
** 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)

FAQ

Did the AFRM insider sale by Katherine Adkins involve open-market selling?

The disposition did not involve open-market selling. Instead, 634 shares of Affirm Class A Common Stock were withheld automatically to cover Katherine Adkins’ tax obligation from RSU vesting, a common non-discretionary mechanism in equity compensation plans.

How many AFRM shares does Katherine Adkins hold after these Form 4 transactions?

After the reported transactions, Katherine Adkins directly holds 139,943 shares of Affirm Class A Common Stock. In addition, 5,607 restricted stock units remain outstanding, each representing a contingent right to receive one Class A share upon vesting.

What RSU vesting terms apply to the AFRM grant reported for Katherine Adkins?

The RSUs vest in 48 equal monthly installments beginning October 1, 2022, contingent on continued service. This means a portion vests each month over four years, and the grant has no expiration date according to the disclosure footnotes.

What was the effective price for the AFRM shares withheld for Katherine Adkins’ taxes?

The 634 Affirm Class A Common Stock shares withheld for taxes were valued at $67.54 per share. This withholding covered her tax obligation connected to the settlement of RSUs that vested on May 1, 2026, rather than representing a market trade.