Affirm Results Presentation Deck

Non-GAAP Operating Expenses Technology & Data Analytics Sales and Marketing $20 23% affirm) $26 Notes: 1. 2. $28 $28 $28 20% 20% 18% $36 16% 18% $49 21% $44 FY FY FY FY FY FY FY FY Q1'20Q2'2003'2004'20Q1'21Q2'21 Q3'21Q4'21 17% Technology & Data Analytics ($M) % of Revenue $4 $6 $6 FY $4 $7 $20 10% $30 13% $40 3% FY FY FY FY FY FY FY Q1'20Q2'2003'2004'20Q1'21Q2'21 Q3'21 Q4'21 Sales and Marketing ($M) % of Revenue 15% $24 General and Administrative $29 $27 $28 21% 20% 19% $28 $36 Non-GAAP operating expenses exclude (a) depreciation and amortization; (b) stock-based compensation included in GAAP operating loss; (c) the amortization of its commercial agreement asset; and (d) certain other costs Metrics are unaudited $51 $50 22% 19% 16% 18% 1926 19% FY FY FY FY FY FY FY FY Q1'20Q2'2003'2004'2001'21Q2'21 Q3'21Q4'21 General and Administrative ($M) % of Revenue 15

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