Affirm Results Presentation Deck

GAAP to Non-GAAP Expense Reconciliations, H1'23 Three Months Ended December 31, 2022 Stock-Based Enterprise Warrant Compensation & Share Based ($ 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 38,422 $ 106,689 43.751 66,508 255,370 $ 156.747 Ś 188,334 158,639 0 503,720 GAAP 759,090 $ $ 35,610 $ 64,250 25,066 54,359 179,285 $ 144.961 163,873 160,972 0 $ 469.806 Ś 649,091 $ D&A D&A 0 0 0 108 108 20.154 2,161 581 0 22,896 23,004 0 0 0 95 95 $ $ Ś $ $ $ $ 17,963 $ 2,199 625 0 20,787 $ 20,882 $ 0 0 0 1.033 1,033 $ $ 48.534 Ś 5,549 66,659 0 120,742 $ 121,775 $ 000 $ 912 912 $ Three Months Ended September 30, 2022 Stock-Based Enterprise Warrant Compensation & Share Based 43,428 $ 8,128 67,340 O 118.896 $ 0 O O O O O 119,808 $ $ O Ś 147,516 O O 147.516 $ $ 147,516 O O O O C 0 $ 128,205 OO $ 0 $ $ 128,205 $ 128,205 $ Restructuring charges, net Restructuring charges, net O O O O O O O O O O OOO OO $ ooooo er 0 $ $ S $ $ $ 40 $ S $ Other Non- Recurring Items ooooº 5,203 Other Non- Recurring Items 0 $ 1,930 3,273 0 5,203 O O O O O u o uoo Ś 5 $ $ $ Ś $ $ $ $ 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 38,422 106,689 43.751 65,367 254,229 88.059 31,179 88,126 O 207,363 461,592 Non-GAAP 35,610 64,250 25,066 53,352 178,278 83,570 25,341 93,002 0 201.913 380,191 47

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