Affirm Results Presentation Deck

GAAP to Non-GAAP Expense Reconciliations FY'21 & FY'22 ($ in 000s) Loss on loan purchase commitment Provision for credit losses Funding costs Processing and servicing Total Transaction Costs Technology and data analytics Sales and marketing General and administrative Other Operating Expenses Total Operating Expenses ($ in 000s) Loss on loan purchase commitment Provision for credit losses Funding costs Processing and servicing Total Transaction Costs Technology and data analytics Sales and marketing General and administrative Other Operating Expenses Total Operating Expenses affirm) $ $ $ $ $ $ $ $ $ $ GAAP 204,081 $ 255,272 69,694 GAAP 157,814 686,861 418,643 532,343 577,493 1,528,479 2,215,340 $ $ $ 249,336 182,190 383,749 815,275 246,700 $ 65,878 52,700 73,578 438,856 1,254,131 $ $ $ $ $ D&A D&A O O O 604 604 O O 0 435 435 40,480 7,544 4,094 52,118 $ 14,680 1,956 2,908 19,544 Compensation Expense $ 52,722 $ 19,979 $ $ $ $ $ Twelve Months Ended June 30, 2022 Stock-Based $ Compensation Expense $ 0 0 0 2,431 2,431 116,531 23,224 248,797 388,552 $ 390,983 $ Enterprise Warrant & Share Based Expenses $ Twelve Months Ended June 30, 2021 Stock-Based 0 O 0 $ $ 2,218 2,218 $ $ 76,644 17,092 196,553 290,289 $ O O O OC Enterprise Warrant & Share Based Expenses $ 292,507 $ 343,268 0 $ 343,268 0 343,268 000 0 $ C tA $ $ $ $ $ 0 $ 64,821 0 64,821 64,821 $ $ Other Costs Other Costs Notes: 1. Metrics are unaudited 2. Other costs consists of expenses incurred in the period associated with the Company's initial public offering, its acquisitions, sublease impairment charges, restructuring and severance costs OOO OO 0 0 O $ $ ooooo $ LA 743 743 $ 743 $ $ $ $ O 942 19,755 20,697 20,697 $ $ Non-GAAP 204,081 255,272 69,694 154,779 683,826 261,631 158,307 323,859 743,797 1,427,623 Non-GAAP 246,700 65,878 52,700 70,925 436,203 158,012 97,379 164,533 419,924 856,127 47

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