Affirm Results Presentation Deck

GAAP and Adj. Operating Income / (Loss) $(166) (62)% FY Q1'22 GAAP Operating Income / (Loss) (54)% $(196) Notes: 1. affirm) 2. 64)% $(227) (76)% $(277) (79)% $(287) (90)% FY FY FY FY Q2'22 Q3'22 Q4'22 Q1'23 Operating Income / (Loss) ($M) (81)% $(310) (55)% $(244) (42)% Operating Margin $(209) (17)% $(45) $(360) FY FY FY FY FY Q2'23 Q3'23 Q4'23 Q1'24 Q1'22 Adjusted Operating Income /(Loss) (2)% $(8) $4 1% (5)% (8)% $(29) $(19) (16)% $(62) FY FY FY FY FY Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Adj. Operating Income / (Loss) ($M) (2)% $(6) $15 3% $60 Adj. Op Margin 12% FY FY FY Q3'23 Q4'23 Q1'24 Adjusted Operating Income calculated as GAAP operating loss, excluding: (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 20

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