Affirm Results Presentation Deck

GAAP and Adj. Operating Income / (Loss) $39 26% FY Q4'20 Notes: 1. 2. affirm) 3. 4. $(33) (19)% GAAP Operating Income / (Loss) $(27) (13)% (91)% $(209) 144)% $(114) FY FY FY FY Q1'21 Q2'21 Q3'21 Q4'21 (62)% $(166) FY Q1'22 (54)% $(196) (64)% $(227) (76)% $(277) FY FY FY Q2'22 Q3'22 Q4'22 $46 30% FY Q4'20 Adjusted Operating Income / (Loss) $(8) (5)% $3 2% $5 2% $14 5% $(45) (17)% FY FY FY FY FY Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 $(8) (2)% $4 1% FY FY Q2'22 Q3'22 Operating Income / (Loss) ($M) Operating Margin Adj. Operating Income / (Loss) ($M) Adj. Op Margin 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 FY Q1'21 and FY Q2'21 amounts include adjustments to amounts previously reported due to effects of adoption of accounting standards effective July 1, 2020 FY Q3'21 amounts include adjustments to amounts previously reported due to an adjustment to stock-based compensation expense Metrics are unaudited $(29) (8)% FY Q4'22 19

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