Affirm Results Presentation Deck

GAAP to Non-GAAP Expense Reconciliations (FY'22 & FY'23) ($ 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 Restructuring and other 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 Restructuring and other Other Operating Expenses Total Operating Expenses $ Ś $ $ $ $ $ $ GAAP 140,265 $ 331,860 183.013 257,343 912,481 GAAP 615.818 638,280 586,398 35,870 1.876,366 $ 2,788,847 $ $ 418,643 532,343 577,493 S 204,081 $ 255,272 69,694 157,814 686,861 $ $ 0 1,528,479 Ś 2,215,340 $ D&A D&A 0 0 0 412 412 112.021 18,023 2,777 0 132,821 $ 133,233 $ 0 0 0 604 604 40,480 7,544 4,094 0 $ $ Ś 52,118 $ $ $ $ 52,722 $ Twelve Months Ended June 30, 2023 Stock-Based Enterprise Warrant Compensation & Share Based 0 0 0 4,476 4,476 181.396 25,914 239,923 0 447,233 $ Stock-Based Compensation 451,709 $ $ 0 0 0 2,431 2,431 $ Ś 116,531 23,224 248,797 0 $ Twelve Months Ended June 30, 2022 Enterprise Warrant & Share Based $ $ O O O O O 388,552 $ 390,983 $ 0 ܘ ܘ ܘ ܘ 0 S 499,150 499.150 $ 499,150 $ O O O O O O $ 343,268 $ 0 $ 0 0 343,268 Restructuring and Other $ $ $ 343,268 $ 000 Restructuring and Other 0 0 000 0 O O O O O $ 35,870 35,870 35,870 $ $ ooooo $ $ 0 $ $ 40 $ S $ Other Costs Notes: affirm 1. Metrics are unaudited 2. Other costs consist of expenses incurred in the period associated with the Company's initial public offering, acquisitions, impairment charges, restructuring, and exit and disposal costs O O O O O Other Costs 0 $ 1,930 6,653 0 8,583 $ 8,583 $ O O O O O Ś $ 743 0 743 743 Ś 0 $ 0 $ $ $ Non-GAAP 140,265 331,860 183.013 252,455 907,593 322.401 93,263 337,044 0 752,708 1,660,301 Non-GAAP 204,081 255,272 69,694 154,779 683,826 261,631 158,307 323,859 0 743,797 1,427,623 50

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