Affirm Results Presentation Deck

Non-GAAP Operating Expenses Technology & Data Analytics Sales and Marketing $26 $28 $28 $28 20% 20% affirm .8% Notes: 1. 2. $36 16% 18% $49 21% $44 17% $51 $65 FY FY FY FY FY FY FY FY FY Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 19% 18% Technology & Data Analytics ($M) % of Revenue $6 $6 $7 $20 $30 10% 13% $40 $41 15% 15% $49 $4 4% 3% FY FY FYO FY FY FY FY FY FY Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Sales and Marketing ($M) % of Revenue 14% General and Administrative $27 $28 $29 21% 20% 19% $28 $36 16% 18% $51 $50 || 22% 19% $66 $79 Non-GAAP operating expenses exclude (a) depreciation and amortization; (b) stock-based compensation included in GAAP operating loss; (c) expenses related to warrants and share-based payments granted to enterprise partners; and (d) certain other costs Metrics are unaudited 25%22% FY FY FY FY FY FY FY FY FY Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 General and Administrative ($M) % of Revenue 17

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