Affirm Results Presentation Deck

Transaction Costs Transaction Costs $119 8.0% affirm $109 Notes: 1. 2. 3. 4. 5.3% $97 4.3% $114 4.6% $157 5.8% FY Q1'21 FY Q2'21 FY Q3'21 FY Q4'21 FY Q1'22 FY Q2'22 $177 Transaction Costs ($M) 4.0% $172 4.4% FY Q3'22 % of GMV $180 $179 4.1% 4.1% FY Q4'22 FY Q1'23 $90 6.1% $97 4.7% FY Q1'21 FY Q2'21 Transaction Costs ex-Provision $98 4.3% FY Q3'21 $89 $94 3.6% 3.5% $125 2.8% 2.7% FY Q4'21 FY Q1'22 FY Q2'22 $106 $107 Transaction Costs ex-Provision ($M) FY Q3'22 Transaction Costs include Loss on loan purchase commitment, Provision for credit losses, Funding costs and Processing and servicing Transaction Costs ex-Provision include Loss on loan purchase commitment, Funding costs and Processing and servicing FY Q3'21 and FY Q4'21 amounts include adjustments to amounts previously reported due to understatements in certain prior period amounts related to the fair value measurement of contingent consideration and stock-based compensation. Metrics are unaudited $115 2.4% 2.6% FY Q4'22 FY Q1'23 % of GMV 16

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