Affirm Investor Day Presentation Deck

NOVEMBER 2023 Profitability framework Plan to drive meaningful leverage over medium-term Year-over-year revenue growth Revenue as a % of GMV Revenue Less Transaction Costs as a % of GMV Revenue Less Transaction Costs as a % of Revenue Adjusted Other Operating Expenses as a % of Revenue Adjusted Operating Margin AFFIRM | 2023 FY'21 71% 10% 5% 50% 48% 2% HISTORICAL RESULTS FY'22 55% 9% 4% 49% 55% (6%) FY'23 18% 8% 3% 43% 47% (5%) LTM 20% 8% 3.3% 41% 41% 0% 1 FY'24 Outlook based upon the Financial Outlook provided on November 8, 2023. Reconciliations of GAAP results to non-GAAP results are provided in the Appendix to this presentation. OUTLOOK FY'24 >20% Similar to FY'23 Similar to FY'23 n.a. n.a. >5% MEDIUM-TERM MODEL >20% revenue growth 6 - 8% 3 - 4% 37.5 - 50% 32.5 - 35% 5 - 15% <= 20% revenue growth 6 - 8% 3 - 4% 37.5 - 50% 17.5 - 20% 20 - 30% affirm 88

View entire presentation