Affirm Results Presentation Deck

GAAP to Non-GAAP Expense Reconciliations, H2'23 ($ 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 Restructuring and other 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 Restructuring and other Other Operating Expenses Total Operating Expenses $ $ $ $ $ $ $ $ GAAP 35,009 $ 94,483 63.008 71,247 263,747 $ 152.318 Ś 145,131 127,521 936 425.906 689,653 $ GAAP $ 31,224 $ 66,438 51.188 65,229 214,079 $ 161,792 140,942 139,266 34,934 476,934 S $ 691,013 $ D&A D&A 0 0 0 109 109 34.737 7,773 660 O 43.170 43,279 0 0 0 100 100 $ $ Ś $ $ $ $ $ 39,167 5,890 911 0 45.968 $ 46,068 $ Three Months Ended June 30, 2023 Stock-Based Compensation Enterprise Warrant & Share Based 0 0 0 1,411 1,411 $ Ś $ 44.394 6,397 51,135 0 101.926 $ 103,337 $ Stock-Based Compensation O 0 0 1,120 1,120 $ $ $ O O O O O 45,040 5,840 54,789 O 105.669 $ 106,789 $ 0 0 Three Months Ended March 31, 2023 Enterprise Warrant & Share Based 110,467 O 0 110,467 $ 110,467 $ O O O O 0 $ 0 C 0 $ $ Ś 112,961 O O 0 $ $ 112,961 $ 112,961 $ Restructuring charges, net OOO OO Restructuring charges, net O O O O C $ 0 $ 0 0 936 936 $ 936 $ er 000+ $ 0 $ $ OF S 34,934 34.934 34,934 $ Ś Other Non- Recurring Items ooooº Other Non- Recurring Items 0 $ 0 517 0 517 $ 517 $ O O O O O Ś 8000 $ 2,858 Ś $ $ 0 2,858 $ 2,858 $ Notes: affirm 1. Metrics are unaudited 2. Other costs consist of expenses incurred in the period associated with the Company's initial public offering, acquisitions, impairment charges, restructuring, severance, and exit and disposal costs Non-GAAP 35,009 94,483 63.008 69,727 262,227 73.187 20,493 75,208 0 168,889 431,116 Non-GAAP 31,224 66,438 51.188 64,009 212,859 77.585 16,251 80,708 0 174,544 387,403 46

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