Affirm Results Presentation Deck

Non-GAAP Operating Expenses Technology & Data Analytics Sales and Marketing $36 18% affirm) $49 21% 2. Notes: 1. $44 17% $51 $65 $67 19% 18% 19% $80 22% $84 23% FY FY FY FY FY FY FY FY FY Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 $88 22% Technology & Data Analytics ($M) % of Revenue $20 10% $30 13% $40 $41 15% 15% FY FY FY Q2'21 Q3'21 Q4'21 $49 14% $29 8% $39 11% $25 7% $31 Sales and Marketing ($M) % of Revenue 8% FY FY FY FY FY FY Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 $36 17% General and Administrative $51 $50 22% 19% $66 24% $79 22% $84 24% $95 $93 26% 26% General and Administrative ($M) % of Revenue $88 FY FY FY FY FY FY FY FY FY Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Non-GAAP operating expenses exclude (a) depreciation and amortization; (b) stock-based compensation included in GAAP operating loss; (c) expenses related to warrants and share-based payments granted to enterprise partners; and (d) certain other costs Metrics are unaudited 22% 18

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