Affirm Investor Day Presentation Deck

Reconciliation of Non-GAAP Financial Measures FY'2023 Technology and data analytics Sales and marketing General and administrative Restructuring and other Other Operating Expenses AFFIRM | 2023 1 Metrics are unaudited. Reconciliation of Adjusted Other Operating Expenses to Other Operating Expenses GAAP 616 638 586 36 1,876 D&A 112 18 3 133 Stock-Based Compensation Expense 181 26 240 447 Enterprise Warrant & Share Based Expenses 499 447 Restructuring and Other 36 Other Costs 2 7 9 Non-GAAP 322 93 337 753 affirm) 96

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