Affirm Results Presentation Deck

Annual 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 affirm $ $ $ $ $ June 30, 2020 4,637 256,752 19,340 276,092 186,730 31,907 14,799 509,528 161,452 105,067 32,316 49,831 348,666 160,862 100.0 % 5.5 % 0.4 % 6.0 % 4.0 % 0.7 % 0.3 % 11.0 % 3.5 % 2.3% 0.7 % 1.1 % 7.5 % 3.5 % $ $ $ $ $ $ $ Twelve Months Ended June 30, 2021 Notes: 1. FY Q1'21 and FY Q2'21 amounts include adjustments to amounts previously reported due to effects of adoption of accounting standards effective July 1, 2020 2. FY Q3'21 amounts include adjustments to amounts previously reported due to an adjustment to stock-based compensation expense 3. Metrics are unaudited 8,292 379,551 49,851 429,402 326,417 89,926 24,719 870,464 246,700 65,878 52,700 73,578 438,856 431,608 100.0 % 4.6 % 0.6 % 5.2 % 3.9 % 1.1 % 0.3 % 10.5 % 3.0 % 0.8% 0.6 % 0.9 % 5.3 % 5.2 % $ $ $ $ $ $ June 30, 2022 15,483 458,511 100,696 559,207 527,880 196,435 65,770 1,349,292 204,081 255,272 69,694 157,814 686,861 662,431 100.0 % 3.0 % 0.7% 3.6 % 3.4 % 1.3 % 0.4% 8.7% 1.3 % 1.6 % 0.5 % 1.0 % 4.4 % 4.3 % 38

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