Affirm Results Presentation Deck

GAAP to Non-GAAP Expense Reconciliations, FY'22 and FY'21 ($ 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 affirm $ $ $ $ $ $ $ $ $ $ GAAP 204,081 $ 255,272 69,694 157,814 686,861 418,643 532,343 577,493 1,528,479 GAAP $ $ $ 2,215,340 $ 246,700 $ 65,878 52,700 73,578 438,856 $ 249,336 $ 182,190 383,749 815,275 $ 1,254,131 $ D&A D&A O O O 1,123 1,123 40,480 7,544 3,574 51,599 O O O 435 435 Compensation Expense $ $ $ $ 52,722 $ $ $ 14,680 1,956 2,908 19,544 $ $ Twelve Months Ended June 30, 2022 Stock-Based Compensation Expense 19,979 $ 0 0 0 2,431 2,431 Enterprise Warrant & Share Based Expenses $ $ $ 116,531 23,224 248,797 388,552 $ 390,983 $ Twelve Months Ended June 30, 2021 Stock-Based 0 0 O 2,218 2,218 $ 76,644 $ 17,092 196,553 290,289 $ 292,507 $ O O O OC 343,268 Enterprise Warrant & Share Based Expenses $ Notes: 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 0 $ 343,268 0 343,268 $ tA 0 64,821 0 64,821 64,821 $ $ $ 0 $ 0 LA $ $ $ $ Other Costs Other Costs 0 $ O O O O O $ O O O O O 0 O 743 743 $ $ LA 743 $ 0 942 19,755 20,697 20,697 0 $ $ $ $ $ Non-GAAP 204,081 255,272 69,694 154,260 683,307 261,631 158,307 324,378 744,317 1,427,623 Non-GAAP 246,700 65,878 52,700 70,925 436,203 158,012 97,379 164,533 419,924 856,127 42

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