Affirm Holdings, Inc.

Item 2.02. Results of Operations and Financial Condition. On February 5, 2026, the Company issued a Shareholder Letter (the "Letter") regarding its financial results for the second fiscal quarter ended December 31, 2025. A copy of the Letter is attached hereto as Exhibit 99.1, and the information in Exhibit 99.1 is incorporated herein by reference. The Letter attached hereto as Exhibit 99.1 includes certain non-GAAP financial measures. Reconciliations of these non-GAAP financial measures to the comparable GAAP financial measures are contained in the Letter and the financial tables attached thereto. The information in this Item 2.02 and in Exhibit 99.1 attached hereto shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any filing under the Securities Act of 1933, as amended.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits . Exhibit No. Description 99.1 Shareholder Letter, dated February 5, 2026 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)