Affirm Results Presentation Deck

FY Q3 2023 and FY 2023 Outlook Fiscal Q3 2023 $4.40 to $4.50 billion $360 to $380 million $220 to $230 million $140 to $150 million (11) to (7) percent affirm GMV Revenue Transaction Costs Revenue Less Transaction Costs Adjusted Operating Margin Weighted Average Shares Outstanding 298 million Fiscal Year 2023 $19.00 to $20.00 billion $1,475 to $1,550 million $865 to $890 million $610 to $660 million (9.0) to (7.5) percent 296 million Affirm's financial outlook for the fiscal third quarter and full year 2023 assumes the following: Macroeconomic stress and the current interest rate curve will persist through the remainder of the fiscal year. February restructuring plan expected to drive $77 million to $83 million in operating expenses and capitalized development costs through reduced employee cash compensation and benefits and reduced lease expenses. Charges associated with the restructuring plan will be excluded from financial results presented on a non-GAAP basis. Similar to the fiscal third quarter of 2022, GMV and Revenue anticipated to decline sequentially in the fiscal third quarter. No material impact to GMV, Revenue, or RLTC from the Debit+ card or other new product initiatives. 32

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