Affirm Results Presentation Deck

Non-GAAP Operating Expenses $51 affirm Technology & Data Analytics $65 $67 19% 18% 19% 2. Notes: 1. $80 22% $84 23% $88 22% $78 20% $73 16% FY FY FY FY FY FY FY FY FY Q1 22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 $66 Technology & Data Analytics ($M) % of Revenue 13% $41 15% $49 14% Sales and Marketing $29 8% $39 11% $31 $25 7% 8% $16 4% $20 $18 4% 5% FY FY FY FY FY FY FY FY FY Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Sales and Marketing ($M) % of Revenue $66 24% General and Administrative $79 22% $84 24% $95 $93 26% 26% $88 22% $81 21% $75 17% General and Administrative ($M) % of Revenue $70 FY FY FY FY FY FY FY FY FY Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Non-GAAP operating expenses exclude (a) depreciation and amortization; (b) stock-based compensation included in GAAP operating loss; (c) expenses related to warrants and share-based payments granted to enterprise partners; and (d) certain other costs Metrics are unaudited 14% 19

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