Affirm Results Presentation Deck

GAAP to Non-GAAP Expense Reconciliations, H2'22 ($ 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 $ $ $ $ $ $ $ $ $ $ GAAP GAAP 40,285 $ 72,691 19,417 47,393 179,786 $ 135,350 $ 168,693 157,531 461,574 $ 641,360 $ 46,853 $ 66,294 15,824 43,371 172,342 $ 110,291 $ 156,214 142,466 408,971 $ 581,313 $ D&A D&A O 0 O 664 664 13,992 2,314 145 16,451 17,115 0 O 0 124 124 10,058 2,372 549 12,978 13,102 Compensation Expense $ $ $ $ $ $ $ Three Months Ended June 30, 2022 Stock-Based $ $ $ 0 O 0 Compensation Expense 895 895 41,398 7,569 61,008 109,975 110,870 Enterprise Warrant & Share Based Expenses $ O 0 0 650 650 $ $ Three Months Ended March 31, 2022 Stock-Based $ $ $ 33,639 $ 5,998 58,100 97,737 $ 98,387 $ 000 O 0 $ $ 0 119,517 119,517 119,517 Enterprise Warrant & Share Based Expenses $ Notes: affirm) 1. Metrics are unaudited 2. Other costs consists of one-time expenses incurred in the period associated with the Company's initial public offering, its acquisitions, and sublease impairment charges O O O O 0 O 119,039 0 119,039 119,039 $ $ $ $ +A $ $ $ $ Other Costs Other Costs OOO OO O O 0 415 415 415 O O O O O OO 25 25 $ LA $ $ tA $ $ $ $ $ $ 25 $ Non-GAAP 40,285 72,691 19,417 45,834 178,227 79,960 39,293 95,963 215,216 393,443 Non-GAAP 46,853 66,294 15,824 42,597 171,568 66,594 28,805 83,792 179,192 350,760 37

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