Affirm Results Presentation Deck

Interest Income and Loans Held for Investment Composition Interest Income Composition Composition of Average Loans Held for Investment ("LHFI") $45 $8 $37 affirm $52 $9 $43 Notes: 1. 2. $49 $10 $39 21% $54 $15 $39 27% $74 $22 $52 30% $95 $32 $63 33% $104 $32 $72 $117 $38 $79 31% 33% $138 $55 18% 18% FY Q2'20 FY Q3'20 FY Q4'20 FY Q1'21 FY Q2'21 FY Q3'21 FY Q4'21 FY Q1'22 FY Q2'22 $83 40% Consumer & Other Interest Income ($M) Amortization of Discount ($M) Amortization of Discount as % of Total Interest Income $911 $246 $1,224 $1,001 $1,012 $306 $250 $314 31% 27% 25% $665 $751 $698 $1,651 $809 49% $2,042 $2,109 $2,134 $886 $875 $1,041 51% 42% 41% 41% 25% $918 $842 $1,001 $1,223 $1,259 $1,378 FY Q2'20 FY Q3'20 FY Q4'20 FY Q1'21 FY Q2'21 FY Q3'21 FY Q4'21 FY Q1'22 Avg. Interest Bearing LHFI Balance Avg. 0% APR LHFI Balance 0% APR Balance % of Avg LHFI $2,335 $957 Amortization of discount is driven by either loan purchases from originating bank partners or the origination of a loan; Other interest income consists primarily of interest charged to consumers over the term of the consumers' loans based on the principal outstanding Metrics are unaudited FY Q2'22 14

View entire presentation