Affirm Results Presentation Deck

GAAP to Non-GAAP Expense Reconciliations, H2'22 ($ in 000s) Loss on loan purchase commitment Provision for credit losses Funding costs Processing and servicing Total Transaction Costs Technology and data analytics Sales and marketing General and administrative Restructuring and other Other Operating Expenses Total Operating Expenses ($ in 000s) Loss on loan purchase commitment Provision for credit losses Funding costs Processing and servicing Total Transaction Costs Technology and data analytics Sales and marketing General and administrative Restructuring and other Other Operating Expenses Total Operating Expenses $ $ $ $ $ $ $ $ GAAP 40,285 $ 72,691 19.417 47.393 179,786 $ 135.350 S 168,693 157,531 0 461,574 GAAP 641,360 46,853 $ 66,294 110,291 156,214 142,466 $ 15,824 43,371 172,342 $ $ 0 $ 408,971 Ś 581,313 $ D&A D&A 0 0 0 145 145 13.992 2,314 664 0 16.970 $ $ 17,115 $ 0 0 0 124 124 $ Ś $ $ $ 10,058 2,372 549 0 12,978 $ 13,102 $ Three Months Ended June 30, 2022 Stock-Based Compensation 0 0 0 895 895 $ 41.398 Ś 7,569 61,008 0 109,975 $ 110,870 $ Stock-Based Compensation O 0 0 650 650 Enterprise Warrant & Share Based 33,639 5,998 58,100 $ 0 $ Three Months Ended March 31, 2022 Enterprise Warrant & Share Based $ $ 0 $ 97.737 $ 98,387 $ O O O O O $ 0 Ś 119,517 O O O 0 119,517 $ 119,517 $ 0 $ O O O O 0 C 0 0 119,039 OO 0 $ $ 119,039 $ 119,039 $ Restructuring charges, net Restructuring charges, net O O O O O O O O O O OOO OO $ 0 $ O O O O O $ S $ $ $ 40 0 $ S $ Other Non- Recurring Items ooooo oor 0 415 Other Non- Recurring Items 415 0 415 $ $ O O O O O Ś 0 0 25 0 25 $ $ Ś $ $ $ 25 $ Notes: affirm 1. Metrics are unaudited 2. Other costs consist of expenses incurred in the period associated with the Company's initial public offering, acquisitions, impairment charges, restructuring, severance, and exit and disposal costs Non-GAAP 40,285 72,691 19.417 46,353 178,746 79.960 39,293 95,444 O 214.697 393,443 Non-GAAP 46,853 66,294 15,824 42,597 171,568 66,594 28,805 83,792 0 179,192 350,760 48

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