Affirm Results Presentation Deck

Quarterly Revenue & Transaction Cost Detail ($ in 000s except GMV) Gross Merchandise Value ($M) Revenue Merchant network revenue Virtual card network revenue Total network revenue Interest income Gain (loss) on sales of loans Servicing income Total Revenue, net Transaction Costs Loss on loan purchase commitment Provision for credit losses Funding costs Processing and servicing Total Transaction Costs Revenue Less Transaction Costs Line Items as a % of GMV Gross Merchandise Value Revenue Merchant network revenue Virtual card network revenue Total network revenue Interest income Gain (loss) on sales of loans Servicing income Total Revenue, net Transaction Costs Loss on loan purchase commitment Provision for credit losses Funding costs Processing and servicing Total Transaction Costs Revenue Less Transaction Costs Notes: 1. Metrics are unaudited affirm September 30, 2021 2.713 $ $ $ $ $ $ $ 112,106 92,244 19,395 111,639 117,302 30,979 9,465 269,385 $ 100.0 % 3.4% 0.7 % 4.1 % 4.3 % 1.1 % 0.3 % 9.9 % December 31, 2021 4.458 51,678 $ 63,647 16,753 25,201 157,279 1.9 % 2.3 % 0.6 % 0.9 % 5.8 % $ 4.1% $ $ $ $ 127,087 26,558 153.645 138,355 57.690 11,321 361,011 183,557 100.0 % 2.9 % 0.6 % 3.4 % 3.1 % 1.3 % 0.3 % 8.1 % 65,265 $ 52,640 17.700 41,849 177,454 1.5% 1.2 % 0.4 % 0.9 % 40% $ 4.1% $ $ $ $ $ March 31, 2022 3,916 121,054 23,169 144.223 134,599 52,484 23,456 354,762 46,853 66,294 15,824 43,371 172.342 182,420 100.0 % 3.1 % 0.6 % 3.7% 3.4% 1.3 % 0.6 % 9.1 % 1.2% 1.7% 0.4 % 1.1 % 4.4% 4.7% $ $ $ $ $ Ś Ś June 30, 2022 4,396 184,348 118,126 31,574 149,700 $ 137,624 55,282 21,528 364,134 100.0 % 2.7 % 0.7 % 3.4 % 3.1 % 1.3 % 0.5 % 8.3 % September 30, 2022 4.389 40,285 $ 72,691 19,417 47,393 179,786 0.9 % 1.7 % 0.4 % 1.1 % 4.1 % S 4.2 % $ S Ś $ 113,149 $ 26,708 139,857 136,802 63,595 21.370 361,624 182,339 100.0 % 2.6 % 0.6 % 3.2 % 3.1 % 1.4 % 0.5% 8.2 % December 31, 2022 0.8 % 1.5 % 0.6 % 1.2 % 4.1 % $ 35,610 64,250 25,066 54,359 179,285 $ 4.2 % $ $ $ $ 5,658 134,019 29,117 163.136 155.321 59,607 21.494 399.558 38,422 106,689 43,751 66,508 255,370 144.188 100.0 % 2.4 % 0.5 % 2.9 % 2.7 % 1.1 % 0.4 % 7.1 % 0.7 % 1.9 % 0.8 % 1.2 % 4.5 % 2.5% $ $ $ Ś $ $ $ March 31, 2023 4,639 119,013 29,469 148,482 178,270 32,813 21,413 380.978 166,899 100.0 % 2.6 % 0.6 % 3.2 % 3.8 % 0.7 % 0,5 % 8.2 % 31,224 $ 66.438 51,188 65,229 214,079 0.7 % 1.4% 1.1 % 1.4% 4.6 % Ś 3.6 % $ $ $ $ $ June 30, 2023 5,515 141,419 34,044 175,463 214,824 32,326 23,212 445,825 35,009 94,483 63,008 71,247 263,747 182,078 100.0 % 2.6 % 0.6 % 3.2 % 3.9 % 0.6 % 0.4 % 8.1 % 0.6 % 1.7 % 1.1 % 1.3 % 4.8 % 3.3% September 30, 2023 5,617 $ $ $ Ś $ 145,950 33,476 179,426 262,679 34,285 20,157 496,547 34,866 99,696 73,931 75,671 284,164 212,383 100.0 % 2.6 % 0.6 % 3.2 % 4.7 % 0.6 % 0.4 % 8.8% 0.6 % 1.8% 1.3 % 1.3% 5.1 % 3.8 % 41

View entire presentation