Affirm Results Presentation Deck

Quarterly Revenue & Transaction Cost Detail Three Months Ended December 31, 2021 4,458 ($ in 000s except GMV) Gross Merchandise Value ($M) Revenue Merchant network revenue Virtual card network revenue Total network revenue Interest income Gain (loss) on sales of loans Servicing income Total Revenue, net Transaction Costs Loss on loan purchase commitment Provision for credit losses Funding costs Processing and servicing Total Transaction Costs Revenue Less Transaction Costs Line Items as a % of GMV Gross Merchandise Value Revenue Merchant network revenue Virtual card network revenue Total network revenue Interest income Gain (loss) on sales of loans Servicing income Total Revenue, net Transaction Costs Loss on loan purchase commitment Provision for credit losses Funding costs Processing and servicing Total Transaction Costs Revenue Less Transaction Costs $ $ $ $ $ $ $ December 31, 2020 2,075 99,630 10,820 110,450 73,857 14,560 5,174 204,041 67,768 12,521 12,060 16,802 109,151 94,890 100.0 % 4.8 % 0.5 % 5.3% 3.6 % 0.7 % 0.2 % 9.8 % 3.3 % 0.6 % 0.6 % 0.8 % 5.3% 4.6 % $ $ $ $ $ $ $ March 31, 2021 2,257 97,999 13,809 111,808 94,530 16,350 7,977 230,665 62,054 (1,063) 14,665 21.368 97,024 133,641 100.0 % 4.3 % 0.6 % 5.0 % 4.2 % 0.7 % 0.4 % 10.2 % 2.7% 0.0 % 0.6 % 0.9 % 4.3 % 5.9 % $ $ $ $ $ $ $ June 30, 2021 2,484 88,657 19,264 107,921 $ 103,793 42,582 7,484 261,780 100.0 % $ 51,010 $ 25,489 15,623 21,910 114,032 3.6 % 0.8 % 4.3 % 4.2 % 1.7% 0.3 % 10.5 % $ 2.1% 1.0 % 0.6 % 0.9 % 4.6 % 147,748 $ 5.9 % $ $ September 30, 2,713 92,244 $ 19,395 111,639 117,302 30,979 9,465 269,385 51,678 63,647 16,753 25,201 157,279 112,106 100.0 % 3.4 % 0.7 % 4.1% 4.3 % 1.1 % 0.3 % 9.9 % 1.9 % 2.3 % 0.6 % 0.9 % 5.8 % 4.1 % $ affirm) 2. FY Q3'21 amounts include adjustments to amounts previously reported due to an adjustment to stock-based compensation expense 3. Metrics are unaudited $ $ $ $ $ 127,087 $ 26,558 153,645 $ 138,355 57,690 11,321 361,011 65,265 52,640 17,700 41,849 177,454 183,557 100.0 % 2.9 % 0.6 % 3.4 % 3.1 % 1.3 % 0.3% 8.1 % 1.5 % 1.2 % 0.4 % 0.9 % 4.0 % 4.1 % Notes: 1. FY Q1'21 and FY Q2'21 amounts include adjustments to amounts previously reported due to effects of adoption of accounting standards effective July 1, 2020 $ $ $ $ $ March 31, 2022 3,916 $ 121,054 23,169 144,223 134,599 52,484 23,456 354,762 182,420 100.0 % 46,853 66,294 15,824 43,371 172,342 $ 3.1% 0.6 % 3.7% 3.4% 1.3 % 0.6 % 9.1% 1.2 % 1.7% 0.4 % 1.1 % 4.4 % $ 4.7% $ $ $ $ June 30, 2022 4,396 40,285 72,691 19,417 47,393 179,786 118,126 $ 31,574 149,700 137,624 55,282 21,528 364,134 184,348 100.0 % 2.7 % 0.7% 3.4 % 3.1% 1.3 % 0.5 % 8.3 % 0.9 % 1.7 % 0.4 % 1.1 % 4.1% September 30, 2022 4,389 4.2 % $ $ $ $ $ $ 113,149 26,708 139,857 136,802 63,595 21,370 361,624 182,339 100.0 % 2.6% 0.6 % 3.2 % 3.1% 1.4 % 0.5 % 8.2 % 35,610 $ 64,250 25,066 54,359 179,285 0.8 % 1.5 % 0.6 % 1.2 % 4.1 % $ 4.2 % $ $ $ $ $ December 31, 2022 5,658 134,019 29,117 163,136 155,321 59,607 21,494 399,558 38,422 106,689 43,751 66,508 255,370 144,188 100.0 % 2.4 % 0.5% 2.9 % 2.7% 1.1% 0.4 % 7.1% 0.7% 1.9 % 0.8 % 1.2 % 4.5 % 2.5 % 38

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