Affirm Results Presentation Deck

Interest Income and Loans Held for Investment Composition Interest Income Composition Composition of Average Loans Held for Investment ("LHFI") $2,464 $2,465 $961 $887 $49 $10 $39 21% FY Q4'20 affirm $54 $15 2. 3. $39 27% FY Q1'21 Notes: 1. $74 $22 $51 30% $95 $32 $63 33% $117 $104 $38 $32 $72 31% $79 33% $138 $55 $83 40% $135 $45 $89 34% $138 $46 Consumer & Other Interest Income ($M) Amortization of Discount ($M) Amortization of Discount as % of Total Interest Income $91 34% FY Q2'21 FY Q3'21 FY Q4'21 FY Q1'22 FY Q2'22 FY Q3'22 FY Q4'22 $1,012 $314 $698 31% FY Q4'20 $1,224 $306 $918 25% FY Q1'21 $1,651 $809 49% $842 FY Q2'21 $2,042 $1,041 51% $1,001 FY Q3'21 $2,109 $2,134 $886 $875 $1,223 42% $1,259 41% $2,335 $957 $1,378 41% FY Q4'21 FY Q1'22 FY Q2'22 Avg. Interest Bearing LHFI Balance ($M) Avg. 0% APR LHFI Balance ($M) 0% APR Balance % of Avg LHFI $1,503 39% FY Q3'22 Amortization of discount is driven by either loan purchases from originating bank partners or the origination of loans with 0% APR or below market interest rates; Consumer & Other Interest Income consists primarily of interest charged to consumers over the term of the consumers' loans based on the principal outstanding 0% APR Loans Held For Investment include all loans that are not interest bearing, including Split Pay loans Metrics are unaudited $1,577 36% FY Q4'22 15

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