Affirm Results Presentation Deck

Revenue Less Transaction Costs (0.8)% $(9) FY Q3'20 affirm Notes: 1. 2. 3. 4. 5. Revenue Less Transaction Costs $108 8.9% FY Q4'20 $95 $55 3.7% 4.6% FY Q1'21 FY Q2'21 $134 $148 5.9% 5.9% FY Q3'21 FY Q4'21 $112 4.1% FY Q1'22 37% YoY $184 $182 4.1% FY Q2'22 % of GMV 4.7% FY Q3'22 $73 5.9% FY Q3'20 Revenue Less Transaction Costs ex-Provision $75 6.3% FY Q4'20 $84 $107 FY Q1'21 $133 5.7% 5.2% 5.9% 7.0% FY Q2'21 $173 $176 FY Q3'21 FY Q4'21 6.5% FY Q1'22 $236 5.3% FY Q2'22 Revenue Less Transaction Costs ($M) 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 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; FY Q3'21 amounts include adjustments to amounts previously reported due to an adjustment to stock-based compensation expense FY Q3'21 and FY Q4'21 amounts include adjustments to amounts previously reported due to understatements in certain prior period amounts related to the fair value measurement of contingent consideration and stock-based compensation. Metrics are unaudited. Revenue Less Transaction Costs ex-Provision ($M) % of GMV 88% YoY $249 6.4% FY Q3'22 16

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