Affirm Results Presentation Deck

FY Q4 2022 and FY 2022 Guidance Fiscal Q4 2022 $3.95 to $4.05 billion $345 to $355 million $185 to $190 million $160 to $165 million (15) to (11) percent 290 million affirm GMV Revenue Transaction Costs Revenue Less Transaction Costs Adjusted Operating Margin Weighted Average Shares Outstanding Fiscal Year 2022 $15.04 to $15.14 billion $1,330 to $1,340 million $692 to $697 million $638 to $643 million (7.6) to (6.6) percent 283 million Affirm's financial outlook for the fiscal fourth quarter and full year 2022 assumes the following: The Company's outlook assumes no material impact to GMV, revenue, or transaction costs from the rollout of its Affirm Debit+ card Split Pay offerings, which include the Company's Shopify partnership, are expected to contribute at least 20% of the Company's fiscal year 2022 GMV, with the majority of this volume coming from the Shop Pay Installments program 26

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