Affirm Results Presentation Deck

GAAP to Non-GAAP Expense Reconciliations, H1'23 Three Months Ended December 31, 2022 Stock-Based ($ 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 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 Other Operating Expenses Total Operating Expenses affirm $ $ $ $ $ $ $ $ $ $ GAAP GAAP 38,422 $ 106,689 43,751 66,508 255,370 $ 156,747 $ 188,334 158,639 503,720 $ 759,090 $ 35,610 $ 64,250 25,066 54,359 $ 179,285 144,961 $ 163,873 160,972 469,806 $ 649,091 $ D&A D&A O 0 O 108 108 ܘ ܘ ܘ ܘ ܗ Compensation Expense 95 $ 20,154 2,161 581 22,896 23,004 $ $ $ $ $ 95 $ 0 0 0 17,963 $ 2,199 625 20,787 $ 20,882 $ 1,033 1,033 Compensation Expense 48,534 5,549 66,659 120,742 121,775 O O Enterprise Warrant & Share Based Expenses $ 0 912 912 $ $ $ $ Three Months Ended September 30, 2022 Stock-Based $ $ 000 43,428 8,128 67,340 118,896 $ 119,808 $ O 0 0 147,516 147,516 147,516 Enterprise Warrant & Share Based Expenses $ 0 0 O 0 128,205 0 128,205 128,205 $ $ $ $ $ $ $ $ $ $ Other Costs Other Costs Notes: 1. Metrics are unaudited 2. Other costs consists of expenses incurred in the period associated with the Company's initial public offering, its acquisitions, sublease impairment charges, restructuring and severance costs O O O O O 5,203 0 $ 1,930 3,273 5,203 0 O O O O 0 ܘ ܘ ܩ ܩ 5 $ 5 $ $ $ $ $ $ $ 5 $ Non-GAAP 38,422 106,689 43,751 65,367 254,229 88,059 31,179 88,126 207,363 461,592 Non-GAAP 35,610 64,250 25,066 53,352 178,278 83,570 25,341 93,002 201,913 380,191 42

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