Affirm Results Presentation Deck

Transaction Costs $157 5.8% FY Q1'22 affirm Notes: 1. 2. 3. $177 $172 4.0% Transaction Costs 4.4% FY Q2'22 FY Q3'22 $180 $179 4.1% 4.1% $255 Transaction Costs ($M) 4.5% $214 4.6% $264 % of GMV 4.8% $284 FY Q4'22 FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 5.1% $94 3.5% FY Q1'22 Transaction Costs include Loss on loan purchase commitment, Provision for credit losses, Funding costs and Processing and servicing Transaction Costs ex-Provision include Loss on loan purchase commitment, Funding costs and Processing and servicing Metrics are unaudited $125 2.8% FY Q2'22 Transaction Costs ex-Provision $106 $107 2.7% FY Q3'22 2.4% $115 $149 $148 2.6% 2.6% FY Q4'22 FY Q1'23 FY Q2'23 FY Q3'23 Transaction Costs ex-Provision ($M) $169 3.2% 3.1% 3.3% $184 FY Q4'23 FY Q1'24 % of GMV 17

View entire presentation