Affirm Results Presentation Deck

Income Statement Reconciliations - Fiscal Year Income Statement Reconciliations (SK) Total Revenue Operating Expenses Loss on loan purchase commitment Provision for credit losses Funding costs Processing and servicing Total Transaction Costs Technoloav and data analvtics Sales and marketing Restructuring and other General and administrative Total Operating Expenses Operating Income (Loss) Revenue Less Transaction Costs Plus: Provision for credit losses Revenue Less Transaction Costs ex-Provision Reconciliation from Revenue to Revenue Less Transaction Costs and Revenue Less Transaction Costs ex-Provision Total Revenue $ Less: Loss on loan purchase commitment Less: Provision for credit losses Less: Funding costs Less: Processing and servicing Reconciliation from from Operating Income (Loss) to Adjusted Operating Income (Loss) Operating Income (Loss) Plus: Depreciation and amortization Plus: Stock-based compensation expense $ Plus: Enterprise warrant and share-based expense Plus: Restructuring and other Plus: Other non-recurring items* $ $ Ś Ś $ $ June 30, 2021 870,464 246,700 $ 65,878 52,700 73,578 438,856 249.336 182,190 383,749 1,254,131 (383,667) 497.486 $ 67) 19,979 292,507 64.821 $ Ś 870,464 246,700 65,878 52,700 73,578 431.608 Ś 65,878 $ $ Twelve Months Ended June 30, 2022 1,349,292 $ 204,081 255,272 69,694 157,814 686,861 418.643 532,343 577,493 2,215,340 (866,048) 1,349,292 204,081 255,272 69,694 157,814 662.431 255,272 917,703 (866,048) 52,722 390,983 343.268 $ $ $ $ $ $ $ 743 (78.332) $ June 30, 2023 20,697 14,337 $ Adjusted Operating Income (Loss) $ 1. 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 2. FY Q3'21 amounts to amounts due to an to affirm) 3. Other costs consist of expenses incurred in the period associated with the Company's initial public offering, acquisitions, impairment charges, restructuring, severance, and exit and disposal costs 4. Metrics are unaudited 1,587,985 140,265 331,860 183,013 257,343 912,481 615.818 638,280 35,870 586,398 2,788,847 (1,200,862) 1,587,985 140,265 331,860 183,013 257,343 675.504 331,860 1,007,364 (1,200,8 133,233 451,709 499.150 35,870 8,583 (72,317) 44

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