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 director Noel Bertram Watson sold shares under a pre-set plan. On the reported date, he completed an open-market sale of 2,000 shares of Class A Common Stock at a price of $65.00 per share. After this transaction, he directly owned 36,076 shares. The filing notes the sale was executed pursuant to a Rule 10b5-1 trading plan adopted in advance, indicating the timing was pre-arranged rather than discretionary.
Affirm Holdings, Inc. reported a Rule 144 notice of sale by an affiliate indicating 4,000 Restricted Stock Units are listed for disposition. The filing shows 2,000 shares sold on 04/14/2026 under a 10b5-1 plan for $110,000. Shares outstanding were 294,357,801 as of 05/13/2026.
Affirm Holdings, Inc. ownership disclosure: Morgan Stanley and Morgan Stanley Investment Management Inc. reported beneficial ownership in Class A Common Stock via an Amendment No. 4 to a Schedule 13G/A.
The filing shows Morgan Stanley reporting 20,737,156 shares with 7.1% of the class and Morgan Stanley Investment Management Inc. reporting 19,597,145 shares with 6.7%. The cover notes these amounts reflect securities held by aggregated "MS Reporting Units" under Release No. 34-39538. Signatures are dated 05/11/2026.
Affirm Holdings, Inc. reported strong growth and a return to solid profitability for the quarter ended March 31, 2026. Total revenue, net rose to $1,038,765 thousand from $783,135 thousand a year earlier, driven by higher interest income, merchant network revenue, and gains on loan sales.
Quarterly net income improved to $102,900 thousand from $2,804 thousand, with diluted earnings per share of $0.30 versus $0.01. For the nine-month period, revenue reached $3,095,122 thousand and net income was $313,180 thousand, compared with a loss in the prior year.
Loans held for investment expanded to $8,572,972 thousand, and the allowance for credit losses increased to $512,314 thousand as Affirm supported a larger loan portfolio. Total assets were $13,141,580 thousand, funded largely by $5,327,589 thousand of notes issued by securitization trusts and $2,417,705 thousand of funding debt. Cash and cash equivalents were $1,723,413 thousand, and total stockholders’ equity rose to $3,783,410 thousand, reflecting accumulated profits and additional paid-in capital.
Affirm Holdings reported fiscal third-quarter 2026 results with rapid growth and improved profitability. Gross Merchandise Volume reached $11.6 billion, up 35%, while total revenue grew 33% to $1,038.8 million. Revenue Less Transaction Costs was $498.2 million, up 41% and equal to 4.3% of GMV.
The company generated $88.4 million in operating income, an 8.5% margin versus a prior-year loss, and net income of $102.9 million. Adjusted operating income rose to $280.8 million with a 27.0% adjusted margin. Active consumers increased to 26.8 million, active merchants to 515 thousand, and Card GMV to $2.1 billion with 4.4 million active cardholders.
Credit metrics remained stable, with 30+ day delinquencies on monthly installment loans ex-Peloton at 2.8% and allowance for credit losses at 6.0% of loans held for investment. Funding capacity reached $28.2 billion, supporting an estimated GMV of more than $65.0 billion. For fiscal Q4 2026, Affirm guides GMV of $13.15–$13.45 billion, revenue of $1,080–$1,110 million, RLTC of $535–$550 million, and operating margin of 9.5–11.5%. Full-year 2026 guidance calls for GMV of $49.265–$49.565 billion, revenue of $4,175–$4,205 million, RLTC of $2,031–$2,046 million, and operating margin of 8.9–9.4%, with adjusted operating margin of 28.2–28.8%.
AFFIRM HOLDINGS INC: Schedule 13G filing discloses an institutional stake. FMR LLC reports beneficial ownership of 17,741,706.92 shares of Affirm Class A common stock, representing 6.1% of the class as of 03/31/2026. The filing shows sole dispositive power for 17,741,706.92 shares and sole voting power of 16,350,521.25 shares. The schedule notes that one or more other persons may have rights to dividends or sale proceeds but no single other person exceeds 5% ownership. The filing is signed on behalf of FMR LLC and Abigail P. Johnson.
Affirm Holdings, Inc. president Libor Michalek exercised restricted stock units and had shares withheld for taxes. On May 1, 2026, he exercised RSUs covering 2,336 shares of Class A Common Stock, of which 1,089 shares were withheld to satisfy tax obligations on the vesting.
After these transactions, he directly held 217,024 shares of Class A Common Stock. A separate entry shows 868,114 shares of Class A Common Stock held indirectly through the Michalek 2007 Family Trust, where he and his spouse serve as trustees. Each RSU represents a right to receive one share, and the RSU grant vests in 48 equal monthly installments beginning October 1, 2022, subject to his continuous service.
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.
Affirm Holdings, Inc. Chief Operating Officer Michael Linford reported routine equity compensation activity involving restricted stock units and related tax withholding. He exercised 2,336 restricted stock units (RSUs) into an equal number of shares of Class A Common Stock, with each RSU converting into one share. In connection with this vesting, 974 shares of common stock were withheld to satisfy his tax obligation at a price of $67.54 per share, a non-market, tax-related disposition rather than an open-market sale.
Following these transactions, Linford directly holds 111,907 shares of Class A Common Stock. He also has 9,344 RSUs outstanding after this vesting event. The RSU grant vests in 48 equal monthly installments beginning on October 1, 2022, subject to his continuous service with the company, and the grant has no expiration date.
Affirm Holdings, Inc. director Noel Bertram Watson reported an open-market sale of 2,000 shares of Class A Common Stock at $55.00 per share on April 14, 2026. After this transaction, he directly holds 38,076 shares.
The filing notes that the sale was carried out under a pre-arranged Rule 10b5-1 trading plan adopted by the reporting person, indicating the trade was scheduled in advance rather than timed discretionarily.