Affirm Results Presentation Deck

Income Statement Reconciliations - Fiscal Quarter 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 September 30, 2021 $ $ $ $ Ś $ 269,385 $ December 31, 2021 51.678 $ 63,647 16,753 25,201 157,279 78.013 63,960 $ 136,204 435,456 $ (166,071) $ 51,678 63,647 16,753 25,201 112,106 63,647 175,753 $ $ 361,011 65,265 52,640 17,700 41,849 177,454 94.989 143,476 Technology and data analytics Sales and marketing Restructuring and other General and administrative 141,292 Total Operating Expenses 557,211 $ Operating Income (Loss) (196,200) $ Reconciliation from Revenue to Revenue Less Transaction Costs and Revenue Less Transaction Costs ex-Provision $ Total Revenue 269,385 $ 361,011 $ 354,762 Ś Less: Loss on loan purchase commitment Less: Provision for credit losses Less: Funding costs Less: Processing and servicing Revenue Less Transaction Costs Plus: Provision for credit losses Revenue Less Transaction Costs ex-Provision 209 (45,093) $ $ Reconciliation from from Operating Income (Loss) to Adjusted Operating Income (Loss) Operating Income (Loss) $ (166,071) $ Plus: Depreciation and amortization 10,541 Plus: Stock-based compensation expense 93,189 17.039 $ $ 65,265 52,640 17,700 41,849 183,557 $ 52,640 236,197 $ (196,200) $ 11,964 88,537 87.673 March 31, 2022 354.762 94 (7.932) $ $ 46,853 66,294 15,824 43,371 172,342 $ 110.291 156,214 142,466 581,313 Ś (226,551) Ś 46,853 66,294 15,824 43,371 182,420 $ 66,294 248,714 $ (226,551) $ 13,102 98,387 119.039 June 30, 2022 25 4,002 $ 364,134 September 30, 2022 $ $ 40,285 72,691 19,417 47,393 179,786 $ 135.350 168,693 157.531 641,360 $ (277,226) $ 364.134 $ 40,285 72,691 19,417 47,393 184,348 $ 72,691 257,039 $ (277,226) $ 17,115 110,870 119.517 415 (29,309) $ December 31, 2022 361,624 $ 35,610 64,250 25,066 54,359 179,285 144.961 163,873 $ $ 160,972 649,091 $ (287,467) $ 361,624 35,610 64,250 25,066 54,359 182,339 64,250 246,589 $ $ $ (287,467) $ 20,882 119,808 128.205 399,558 $ 38,422 $ 106,689 43,751 66,508 255,370 156.747 188,334 $ 158,639 759,090 $ (359,532) $ 399,558 $ 38,422 106,689 43,751 66,508 144,188 $ 106,689 250,877 $ (359,532) $ 23,004 121,775 147.516 March 31, 2023 5,203 (62,034) $ 380,978 S $ 31,224 66,438 51,188 65,229 214,079 $ 161.792 140,942 34,934 139,266 691,013 $ (310,035) $ 380,978 31,224 66,438 51,188 65,229 166,899 $ 66,438 233,337 $ $ (310,035) $ 46,068 106,789 112.961 34,934 Plus: Enterprise warrant and share-based expense Plus: Restructuring and other 5 $ (18,567) $ Plus: Other non-recurring items* Adjusted Operating Income (Loss) Notes: 1. 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 2. Metrics are unaudited affirm June 30, 2023 2,858 (6.425) $ 445,825 September 30, 2023 $ 35,009 $ 94,483 63,008 71,247 263,747 152.318 145,131 936 127,521 689,653 $ (243,828) $ $ 445,825 $ 35,009 94.483 63,008 71,247 182,078 $ 94,483 276,561 $ (243,828) $ 43,279 103.337 110.467 936 517 14,709 $ 496,547 34,866 99,696 73,931 75,671 284,164 132.965 146,866 1.665 140,334 705,994 (209,447) 496,547 34,866 99,696 73,931 75,671 212,383 99,696 312,079 (209,447) 40,060 112,359 115.373 1,665 (66) 59,944 43

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