Affirm Results Presentation Deck

Non-GAAP Operating Expenses Technology & Data Analytics Sales and Marketing $28 16% affirm) $36 18% 2. Notes: 1. $49 21% $44 17% $51 19% $65 $67 18% 19% $80 22% FY FY FY FY FY FY FY FY FY Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 $84 Technology & Data Analytics ($M) % of Revenue 23% $20 $7 10% $30 13% FY FY FY Q1'21 Q2'21 Q3'21 $40 $41 15% 15% $49 14% $29 8% $39 11% FY FY FY FY FY Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Sales and Marketing ($M) % of Revenue $25 7% FY Q1'23 $28 16% FY Q1'21 General and Administrative $36 17% $51 $50 22% 19% $66 24% $79 22% $84 24% $95 $93 26% 26% FY FY FY FY FY FY FY FY Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 General and Administrative ($M) % of Revenue Non-GAAP operating expenses exclude (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 Metrics are unaudited 18

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