Affirm Investor Day Presentation Deck

Reconciliation of Non-GAAP Financial Measures Loss on Loan Purchase Commitment Provision for Credit Losses Funding Costs Processing and Servicing Transaction Costs (Non-GAAP) Technology and Data Analytics Sales and Marketing Restructuring General and Administrative Total Operating Expenses AFFIRM | 2023 1 Metrics are unaudited. FY 2021 247 66 53 73 439 249 182 384 1,254 Reconciliation of Transaction Costs to Total Operating Expenses ($M) FY 2022 204 255 70 158 687 419 532 577 2,215 FY 2023 140 332 183 257 912 616 638 36 586 2,789 affirm 92

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