Affirm Results Presentation Deck

Income Statement Reconciliations - Fiscal Year Twelve Months Ended Income Statement Reconciliations ($K) Total Revenue Operating Expenses Loss on loan purchase commitment Provision for credit losses Funding costs Processing and servicing Total Transaction Costs Technology and data analytics Sales and marketing General and administrative Total Operating Expenses Operating Income (Loss) 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 Revenue Less Transaction Costs Plus: Provision for credit losses Revenue Less Transaction Costs ex-Provision 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: Other costs* Adjusted Operating Income (Loss) $ $ $ $ $ $ $ $ $ $ June 30, 2020 509,528 $ 161,452 105,067 32,316 49,831 348,666 122,378 25,044 121,230 617,318 $ (107,790) $ $ 265,929 $ 509,528 $ 161,452 105,067 32,316 49,831 160,862 105,067 $ $ (107,790) $ 9,444 30,089 (68,257) $ Notes: 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 include adjustments to amounts previously reported due to an adjustment to stock-based compensation expense June 30, 2021 3. Other costs consists of one-time expenses incurred in the period associated with the Company's initial public offering, its acquisitions, and sublease impairment charges affirm) 4. Metrics are unaudited 870,464 246,700 65,878 52,700 73,578 438,856 249,336 182,190 383,749 1,254,131 (383,667) 870,464 246,700 65,878 52,700 73,578 431,608 65,878 497,486 $ 64,821 20,697 14,337 $ $ $ $ $ $ $ (383,667) $ 19,979 292,507 $ 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) 36

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