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 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 Other Operating Expenses Total Operating Expenses affirm $ $ $ $ $ $ $ $ $ $ GAAP GAAP 40,285 $ 72,691 19,417 47,393 179,786 $ 135,350 $ 168,693 157,531 461,574 $ 641,360 $ 46,853 66,294 15,824 43,371 172,342 $ 110,291 $ 156,214 142,466 408,971 $ 581,313 $ D&A D&A O 0 0 145 145 000 124 124 Compensation Expense $ 13,992 2,314 664 16,970 17,115 $ $ $ $ $ Three Months Ended June 30, 2022 Stock-Based $ $ 10,058 2,372 549 12,978 $ 13,102 $ 0 O 0 895 895 Compensation Expense Enterprise Warrant & Share Based Expenses $ 41,398 7,569 61,008 109,975 $ 110,870 $ $ $ Three Months Ended March 31, 2022 Stock-Based 0 O 0 650 650 $ $ 000 33,639 5,998 58,100 97,737 $ 98,387 $ O 0 0 119,517 Enterprise Warrant & Share Based Expenses $ 119,517 $ 119,517 $ 0 0 O O 119,039 0 119,039 $ 119,039 $ $ $ $ $ $ $ Other Costs Other Costs Notes: 1. Metrics are unaudited 2. Other costs consists of expenses incurred in the period associated with the Company's initial public offering, its acquisitions, sublease impairment charges, restructuring and severance costs OOO OO 00 $ O O O O O LA $ 25 $ tA 415 415 $ 415 $ $ $ O $ 0 25 25 $ $ Non-GAAP 40,285 72,691 19,417 46,353 178,746 79,960 39,293 95,444 214,697 393,443 Non-GAAP 46,853 66,294 15,824 42,597 171,568 66,594 28,805 83,792 179,192 350,760 43

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