FY Q1'25 Earnings Supplement

FY Q1 2025 Earnings Supplement November 7, 2024

Safe Harbor Statement/Use of Non-GAAP Financial Measures Cautionary Note About Forward-Looking Statements This document contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended (the

OUR MISSION Deliver Honest Financial Products that Improve Lives

FY Q1 2025 Operating & Financial Highlights

First Quarter FY'25 Highlights ACTIVE GROSS MERCHANDISE TRANS. PER (2) (2) REVENUE ($M) CONSUMERS (M) VOLUME ($B) ACTIVE CONSUMER $7.6 $698 5.1 35% Growth 19.5 41% 21% $5.6 4.2 Growth Growth 21% 16.1 $497 Growth 25% 28% Growth 16% Growth Growth 37% Growth FY Q1'24 FY Q1'25 FY Q1'24 FY Q1'25 FY Q1'24 FY Q1'25 FY Q1'24 FY Q1'25 Notes: 5 1. Metrics are unaudited 2. Active consumer count excludes 0 and 794 thousand Returnly-only users from FYQ1 '25 and FYQ1 '24, respectively. Refer to slide 11 for active consumer historical trends with Returnly-only disaggregation.

FY Q1 2025 Business Highlights

Gross Merchandise Volume 35% Growth $7.6 $7.5 $7.2 $6.3 $5.7 $5.6 $5.5 $4.6 $4.4 $331 $323 $317 $307 $299 $293 $293 $287 $279 FY Q1923 FY Q2923 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 GMV ($B) AOV ($) Notes: 7 1. GMV defined as the total dollar amount of all transactions on the Affirm platform during the period, net of refunds 2. Average Order Value (AOV) defined as GMV divided by the number of transactions conducted on the Affirm platform during the period 3. Metrics are unaudited

Affirm Direct-to-Consumer Business Highlights (1, 2) (3) Direct-to-Consumer GMV Affirm Card Active Consumers $3,000 1.5M n o i l l i m 7 0 6 $ V M G d r a C m r i f f A $2,000 1.0M $1,000 0.5M $4 0.0M FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Affirm Marketplace ($M) Affirm Card ($M) Notes: 1. Affirm Marketplace GMV is based on transactions initiated by Affirm through mobile app and website channels. 2. Affirm Card GMV includes transactions initiated by consumers via Affirm Card rather than through an Affirm direct integration checkout flow which may be initiated either via the Affirm app or via a physical card. 8 3. Affirm Card Active Consumer defined as a consumer who engages in at least one Affirm Card transaction on our platform during the 12 months prior to the measurement date, presented as of the end of the period. 4. Metrics are unaudited.

Power Transactions Across Diverse Channels 1 2,3 POS vs. Affirm Transactions Affirm Product Composition FY Q1 2025 FY Q1 2025 14% Pay in X 25% (Short-Term Affirm¹ 0% APR) 11% Core 0% APR 75% Interest-Bearing 75% Point of Sale Notes: 1. Based on transactions initiated by Affirm through mobile app and website channels as well as Affirm Card 2. Beginning in Fiscal Q1 2025, Affirm modified the definition of its short-term 0% low Average Order Value product from Pay in 4 to Pay in X. Pay in X consists of loan transactions with short-term payment plans that have one to four 0% APR installments. 3. Excludes Debit (non installment and non Pay in X transaction volume) from the Affirm Card product 9 4. Metrics are unaudited

Partnerships Across Wide Range of Categories Category Volume Growth FY Q1'25 Industry Gross Merchandise Volume Mix Q1 Year over Year % Change General Merchandise 36% +47% 15% Fashion / Beauty +19% +25% Travel / Ticketing 14% 8% +33% Electronics Home / Lifestyle 7% +11% 6% Equipment / Auto +29% Sporting Goods and Outdoors 3% (5)% 11% Other +55% Notes: 10 1. Metrics are unaudited 2. Excludes volume from transactions facilitated through Affirm virtual card and Affirm Card at non-integrated merchants

Active Consumers 25% Transactions per 15% Active Consumer Growth, Growth 21% ex- Returnly 19.5 18.7 18.1 17.6 16.9 19.5 16.5 16.0 18.6 15.6 17.8 14.7 5.1 17.1 16.1 4.9 15.6 15.1 14.7 4.6 13.9 4.4 4.1 3.9 3.6 3.5 3.3 FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 Affirm Active Consumers (M) Returnly Active Consumers (M) Transactions per Active Consumer Notes: 1. Active Consumer defined as a consumer who engages in at least one transaction on our platform during the 12 months prior to the measurement date, presented as of the end of the period. Active Consumers includes consumers who engaged in at least one transaction on the PayBright and Returnly platforms during the 12 months prior to the measurement date and prior to the acquisitions of PayBright and Returnly by Affirm. A Returnly Active Consumer is defined as a consumer who engaged in at least one Returnly transaction and no Affirm transactions on our platform during the 12 months prior to the measurement date, presented as of the end of the period. 2. Transactions per Active Consumer defined as the average number of transactions that an Active Consumer has conducted on our platform during the 12 months prior to the measurement date, presented as of the end of the period. Transactions per Active Consumer includes transactions completed by Active Consumers on the PayBright and Returnly platforms during the 12 months prior to the measurement date and prior to the acquisitions of PayBright and Returnly by Affirm in all periods through FY Q1'24. 11 3. Metrics are unaudited

Quarterly Transactions 94% 45% Repeat Customers Growth 27.2 26.2 24.7 1.7 2.2 1.6 21.5 1.5 18.8 18.4 17.4 1.7 2.6 1.7 14.4 13.3 1.6 25.5 1.9 24.0 23.1 20.0 17.1 15.9 15.7 12.7 11.3 FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 Repeat Customer Transactions (M) First Time Customer Transactions (M) Notes: 1. Metrics are unaudited 2. Includes transactions from legacy Returnly business in all quarters through FY Q1'24; excludes Returnly transactions beginning in FY Q2'24 12

Active Merchants 25% Growth in 21% Merchants with > Growth $1k TTM GMV 323 303 292 279 266 254 245 246 243 194 180 176 170 163 158 153 157 153 129 123 117 109 103 96 92 88 90 FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 > $1,000 TTM GMV (K)

Revenue 41% Growth $698 $659 $591 $576 $497 $446 $400 $381 $362 9.2% 9.2% 9.1% 8.8% 8.2% 8.2% 8.1% 7.9% 7.1% FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 Revenue ($M) % of GMV Notes: 14 1. Metrics are unaudited

Merchant Fee Rates Illustrative merchant fees, transaction fees, and virtual card network fees divided by product level GMV 15.0% 12.5% 10.0% 7.5% 5.0% 2.5% 4% FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 Core 0% Long Core 0% Short Core IB Pay in X Notes: 1. Includes lending transactions with Affirm integrated merchants in the US only 2. Core 0% Long includes loans with term lengths greater than 12 months and 0% APR; Core 0% Short includes loans with term lengths at least three months long but less than or equal to 12 months and 0% APR; Core IB includes loans with interest; Pay in X (formerly known as Pay in 4) includes loans with one to four 0% APR installments 3. Excludes Non-Integrated Virtual Card and Affirm Card interchange rates (which are principally set by card networks), loans made outside of the US, PayNow transactions and Returnly transactions 15 4. Metrics are unaudited

Interest Income and Loans Held for Investment Composition Interest Income Composition Composition of Average Loans Held for Investment ("LHFI") $5,990 $377 $5,566 $1,378 $5,350 $57 $1,447 $338 $4,894 $1,445 $316 $4,476 $55 $1,321 $288 $320 $54 $4,613 $4,089 $1,298 $263 $51 $3,716 $283 $4,119 $1,309 $3,906 $45 $262 $1,300 $3,169 $215 $3,573 $237 $218 $1,172 $3,178 $42 $178 $2,593 $155 $2,781 $39 $959 $173 $137 $2,415 37% $39 $139 $39 $1,996 $116 $1,633 37% 25% 35% $98 22% 32% 19% 29% 28% 18% 17% 17% 27% 27% 16% 26% 15% 23% FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 Avg. Interest Bearing LHFI Balance ($M) Consumer & Other Interest Income ($M) Avg. 0% APR LHFI Balance ($M) Amortization of Discount ($M) 0% APR Balance % of Avg LHFI Amortization of Discount as % of Total Interest Income Notes: 1. Amortization of discount is driven by either loan purchases from originating bank partners or the origination of loans with 0% APR or below market interest rates; Consumer & Other Interest Income 16 consists primarily of interest charged to consumers over the term of the consumers9 loans based on the principal outstanding 2. 0% APR Loans Held For Investment include all loans that are not interest bearing, including Pay in X (formerly known as Pay in 4) loans 3. Metrics are unaudited

Transaction Costs Transaction Costs Transaction Costs ex-Provision $413 $350 $349 $345 $284 $254 $264 $232 $228 $255 $223 $214 $184 $169 $179 $149 $148 $115 5.5% 5.4% 5.1% 4.8% 4.8% 4.6% 4.7% 4.5% 4.1% 3.5% 3.3% 3.3% 3.2% 3.2% 3.1% 3.0% 2.6% 2.6% FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 Transaction Costs ($M) % of GMV Transaction Costs ex-Provision ($M) % of GMV Notes: 1. Transaction Costs include Loss on loan purchase commitment, Provision for credit losses, Funding costs and Processing and servicing 2. Transaction Costs ex-Provision include Loss on loan purchase commitment, Funding costs and Processing and servicing 17 3. Metrics are unaudited

Revenue Less Transaction Costs Revenue Less Transaction Costs Revenue Less Transaction Costs ex-Provision 43% 34% YoY YoY $309 $445 $427 $285 $363 $353 $242 $231 $312 $212 $277 $182 $182 $251 $247 $167 $233 $144 5.9% 5.9% 5.6% 5.6% 5.6% 5.0% 5.0% 4.8% 4.4% 4.3% 4.2% 3.8% 3.8% 3.6% 3.7% 3.3% 3.2% 2.5% FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 Revenue Less Transaction Costs ex-Provision ($M) % of GMV Revenue Less Transaction Costs ($M) % of GMV Notes: 1. Transaction Costs include Loss on loan purchase commitment, Provision for credit losses, Funding costs and Processing and servicing 2. Transaction Costs ex-Provision include Loss on loan purchase commitment, Funding costs and Processing and servicing 3. Metrics are unaudited 18

Operating Expenses Sales and Marketing Technology & Data Analytics General and Administrative 47% 45% 45% 42% 40% 40% 39% 37% 37% $188 34% 33% $164 $161 $161 $162 $159 $157 30% $152 29% 28% $147 $145 $145 $145 27% $141 $140 27% $139 $138 $135 26% $133 $134 $133 $133 $128 $129 $125 $124 23% $123 23% $120 22% 22% 22% 22% 22% 21% 21% 21% 20% 20% 20% 19% 19% 19% 17% 16% 14% 13% 13% $93 12% 12% $88 $88 11% 10% $84 10% $81 10% $79 $78 9% $76 $75 $75 $73 8% $70 $70 7% $66 $64 $63 $60 $59 5% 4% 4% 4% 3% 3% 3% $31 $25 $22 $20 $18 $18 $18 $16 $17 FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 % of Revenue - GAAP % of Revenue - GAAP % of Revenue - GAAP % of Revenue - Non-GAAP % of Revenue - Non-GAAP % of Revenue - Non-GAAP Sales and Marketing - GAAP ($M) General and Administrative - GAAP ($M) Technology & Data Analytics - GAAP ($M) Sales and Marketing - Non-GAAP($M) General and Adminstrative - Non-GAAP($M) Technology & Data Analytics - Non-GAAP($M) Notes: 1. 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 19 payments granted to enterprise partners; and (d) certain other costs 2. Metrics are unaudited

GAAP and Adj. Operating Income / (Loss) Adjusted Operating Income / (Loss) GAAP Operating Income / (Loss) $150 $130 $93 $79 $60 (2)% $15 23% (5)% 19% 16% 14% (11)% 12% (16)% (19)% 3% $(6) $(19) (28)% (29)% $(62) $(73) (42)% (55)% $(133) $(161) $(172) $(209) (79)% (81)% $(244) (90)% $(287) $(310) $(360) FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY FY Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Operating Income / (Loss) ($M) Operating Margin Adj. Operating Income / (Loss) ($M) Adj. Op Margin Notes: 1. Adjusted Operating Income is calculated as GAAP operating loss, excluding: (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; (d) restructuring costs included in GAAP operating loss; and (e) certain other costs 20 2. Metrics are unaudited

Net Income to Adjusted Operating Income Reconciliation Quarter Ending September 30, 2024 12 Months Ending September 30, 2024 $122 $130 $5 $451 $482 $(0) $94 $326 $177 $47 $3 $2 $(446) $(100) $(96) $(539) $(133) $(34) Net Income Other Income Tax Operating Depreciation Stock-Based Enterprise Restructuring Adjusted Net Income Other Income Tax Operating Depreciation Stock-Based Enterprise Restructuring Adjusted (Loss) Income Benefit Income and Compensation Warrant and Other Operating (Loss) Income Benefit Income and Compensation Warrant and Other Operating (Expense) (Expense) (Loss) Amortization and Share- Income (Expense) (Expense) (Loss) Amortization and Share- Income Based Based Expense Expense Quarter Ending 12 Months Ending December 31, 2023 March 31, 2024 June 30, 2024 September 30, 2024 September 30, 2024 Net Income (Loss) $ (167) $ (134) $ (45) $ (100) $ (446) (-) Other Income (Expense) (5) (28) (29) (34) (96) (-) Income Tax Benefit (Expense) (1) 1 1 2 3 Operating Income (Loss) $ (172) $ (161) $ (73) $ (133) $ (539) (+) Depreciation and Amortization 40 45 44 47 177 (+) Stock-Based Compensation 90 77 65 94 326 (+) Enterprise Warrant and Share-Based Expense 134 112 114 122 482 (+) Restructuring and Other 4 5 4 0 5 (+) Other Costs 4 4 4 4 4 Adjusted Operating Income (Loss) $ 93 $ 79 $ 150 $ 130 $ 451 Notes: 1. Dollars in millions 2. Adjusted Operating Income is calculated as GAAP operating loss, excluding: (a) depreciation and amortization; (b) stock-based compensation included in GAAP operating loss; (c) expenses related to 21 warrants and share-based payments granted to enterprise partners; (d) restructuring costs included in GAAP operating loss; and (e) certain other costs 3. Metrics are unaudited

Platform Portfolio and Funding Mix $11.8 $11.0 $0.7 $10.6 $10.4 $0.9 $0.6 $0.4 $9.0 $8.7 $8.4 $0.3 $4.7 $8.2 $0.4 $0.6 $0.5 $4.4 $7.3 $4.4 $4.8 $0.8 $4.2 $3.9 $4.1 $3.8 $4.1 $3.4 $2.9 $3.4 $2.5 $2.3 $3.8 $1.4 $1.9 6% 6% 5% 5% 6% 5% 5% 5% $1.7 2% $2.4 $2.3 $2.3 $2.2 $2.1 $2.2 $2.1 $1.9 $1.0 FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 On Balance Sheet (non-securitized) ($B) On Balance Sheet (securitized) ($B) Off Balance Sheet (non-securitized) ($B) Off Balance Sheet (securitized) ($B) Equity Capital Req % Platform Notes: 1. On Balance Sheet (Non-Securitized) includes Loans Pledged as Collateral in warehouse financing vehicles or held by Affirm and consolidated on Affirm9s balance sheet 2. On Balance Sheet (Securitized) includes Loans Pledged as Collateral in securitizations and consolidated on Affirm9s balance sheet 3. Off Balance Sheet includes Loans Held by Third Parties and not consolidated on Affirm9s balance sheet 4. Off Balance Sheet (Securitized) includes Loans Pledged as Collateral in securitizations and not consolidated on Affirm9s balance sheet 22 5. Equity Capital Required is the sum of the balance of loans held for investment and loans held for sale, less the balance of funding debt and notes issued by securitization trusts as of the balance sheet date 6. Metrics are unaudited

Platform Portfolio Loans - Remaining Term Length Weighted average remaining term of Total and On Balance Sheet Platform Portfolio (in months), as of quarter-end date 13 12 12 12 11 11 11 11 11 11 11 10 10 10 10 10 10 9 FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 Total Platform Portfolio On Balance Sheet Platform Portfolio Notes: 1. Total Platform Portfolio includes loans owned by Affirm and third parties, on balance sheet portfolio includes loans owned by Affirm 23 2. Excludes loans made internationally via Affirm or legacy Paybright business and excludes Returnly transactions 3. Metrics are unaudited

Funding Capacity $16.8 $16.1 $15.6 $15.5 $13.1 $11.7 $11.4 $11.1 $10.5 80% 75% 71% 70% 69% 69% 69% 66% 66% FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 Funding Capacity ($B) Total Platform Portfolio % of Funding Capacity Notes: 1. Metrics are unaudited 2. The Company defines funding capacity as the total amount of committed funding provided by warehouse credit facilities, securitizations, and forward flow loan sale agreements available for the 24 purchase or financing of loans. Funding capacity also includes the utilized portion of uncommitted forward flow loan sale agreements as of the measurement date. The Company believes that funding capacity is a useful performance indicator to both the Company and investors of its ability to fund loan transactions on the Affirm platform.

Delinquency Performance: Monthly DQ30+ Delinquencies (DQ) of 30+ days as % of Active Balances Excluding Pay in X Loans 4.0% 3.0% FY 2025 FY 2024 FY 2023 2.0% FY 2022 FY 2019 FY 2020 1.0% FY 2021 4% Jul Sep Dec Mar 2019 2020 2021 2022 2023 2024 2025 Notes: 1. Data as of October 2024 25 2. US loans only, excludes Pay in X (formerly known as Split Pay) loan transactions with 0% APR and 4-8 week term lengths 3. Metrics are unaudited

Delinquency Performance: Monthly DQ30+ ex-Peloton Delinquencies (DQ) of 30+ days as % of Active Balances Excluding Pay in X and Peloton Loans 4.0% FY 2019 3.0% FY 2025 FY 2022 FY 2024 FY 2023 2.0% FY 2020 FY 2021 1.0% 4% Jul Sep Dec Mar 2019 2020 2021 2022 2023 2024 2025 Notes: 1. Data as of October 2024 26 2. US loans only, excludes Pay in X (formerly known as Split Pay) loan transactions with 0% APR and 4-8 week term lengths and loans made for Peloton purchases 3. Metrics are unaudited

Monthly Installment Loan Delinquency Rates As of the Three Months Ending September 30 December 31 March 31 June 30 30+ Days Delinquent FY 2019 2.9% 2.5% 2.0% 1.9% FY 2020 2.5% 2.1% 1.9% 1.1% FY 2021 0.8% 0.8% 0.7% 0.9% FY 2022 1.5% 1.6% 2.1% 2.1% FY 2023 2.7% 2.4% 2.3% 2.1% FY 2024 2.4% 2.4% 2.3% 2.4% FY 2025 2.8% 60+ Days Delinquent FY 2019 1.6% 1.4% 1.2% 1.1% FY 2020 1.4% 1.2% 1.1% 0.8% FY 2021 0.5% 0.4% 0.4% 0.5% FY 2022 0.9% 0.9% 1.2% 1.2% FY 2023 1.6% 1.5% 1.4% 1.2% FY 2024 1.4% 1.4% 1.4% 1.5% FY 2025 1.7% 90+ Days Delinquent FY 2019 0.8% 0.7% 0.5% 0.5% FY 2020 0.6% 0.6% 0.5% 0.4% FY 2021 0.2% 0.2% 0.2% 0.2% FY 2022 0.4% 0.4% 0.5% 0.5% FY 2023 0.7% 0.7% 0.6% 0.5% FY 2024 0.7% 0.7% 0.6% 0.6% FY 2025 0.8% Notes: 27 1. US loans only, excludes Pay in X (formerly known as Split Pay) loan transactions with 0% APR and 4-8 week term lengths 2. Metrics are unaudited

Monthly Installment Loan Delinquency Rates Ex-Peloton As of the Three Months Ending September 30 December 31 March 31 June 30 30+ Days Delinquent FY 2019 3.3% 3.2% 2.7% 2.6% FY 2020 3.2% 2.9% 2.8% 1.8% FY 2021 1.4% 1.3% 1.2% 1.3% FY 2022 2.1% 2.1% 2.7% 2.5% FY 2023 3.2% 2.7% 2.5% 2.3% FY 2024 2.5% 2.5% 2.4% 2.5% FY 2025 2.8% 60+ Days Delinquent FY 2019 1.9% 1.8% 1.6% 1.5% FY 2020 1.8% 1.7% 1.6% 1.3% FY 2021 0.8% 0.7% 0.7% 0.7% FY 2022 1.2% 1.2% 1.6% 1.4% FY 2023 1.9% 1.6% 1.5% 1.3% FY 2024 1.5% 1.5% 1.4% 1.5% FY 2025 1.7% 90+ Days Delinquent FY 2019 0.9% 0.9% 0.7% 0.6% FY 2020 0.8% 0.8% 0.7% 0.6% FY 2021 0.4% 0.3% 0.3% 0.3% FY 2022 0.6% 0.6% 0.6% 0.6% FY 2023 0.9% 0.8% 0.7% 0.6% FY 2024 0.7% 0.7% 0.7% 0.6% FY 2025 0.8% Notes: 28 1. US loans only, excludes Pay in X (formerly known as Split Pay) loan transactions with 0% APR and 4-8 week term lengths and loans made for Peloton purchases 2. Metrics are unaudited

30+ Day Delinquency Performance Against Select Consumer Lenders Affirm Delinquencies of 30+ days as % of Monthly Installment Loan Active Balances Ex-Peloton % Non-Prime Receivables Issuer C 43% 6.0% Issuer A 28% Issuer D 31% dv01 index n.a. 4.0% Issuer B 20% Affirm 42% 2.0% 4% 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 Issuer A Issuer B Issuer C Issuer D dv01 Consumer Unsecured Index Affirm Notes: Select consumer lenders include Bread Financial, Capital One, Discover, and Synchrony Financial. Non-Prime receivable mix as of June 30, 2024 or most recently available period based upon publicly available data. Non-Prime is generally defined as a FICO score below 650 to 660. U.S. loans only. Affirm 30+ day delinquencies and non-Prime Receivables mix excludes Pay in X and Peloton loans. The dv01 consumer unsecured index looks at over 4.9 million active loans from leading U.S. online consumer lenders. dv01 delinquency data is owned by, 29 and used with the permission of, dv01, Inc. and may not be reproduced or redistributed outside of this letter without dv01, Inc.'s prior consent. dv01 data reflects 30+ day loan impairments, which includes delinquencies and loan modifications. dv01 data is subject to subsequent revisions.

Loans Held for Investment by ITACS Score ($ in 000s) Three Months Ending September 30 December 31 March 31 June 30 September 30 December 31 March 31 June 30 September 30 2022 2022 2023 2023 2023 2023 2024 2024 2024 Amortized Cost Basis of Loans Held for Investment by ITACS Score 96+ $ 1,539,374 $ 2,211,085 $ 2,322,665 $ 2,689,847 $ 2,724,435 $ 3,010,413 $ 3,194,962 $ 3,631,572 $ 4,132,054 94)3)96 663,923 900,297 905,258 1,112,832 1,183,422 1,410,374 1,452,764 1,538,829 1,697,102 90)3)94 161,883 127,076 107,785 137,088 163,444 238,518 245,788 291,342 296,007

Q1'25 Loan Balance and Net Charge-offs by Loan Origination Year ($ in 000s) as of September 30, 2024 2025 2024 2023 2022 2021 Prior Total Amortized Cost Basis by Fiscal Year of Origination Loans Held for Investment $ 3,269,463 $ 2,765,356 $ 186,872 $ 16,269 $ 301 $ 66 $ 6,238,327 (2) and Loans Held for Sale Current period charge-offs (1,552) (107,403) (11,829) (510) (94) (60) (121,448) Current period recoveries 88 3,184 3,357 1,227 242 54 8,152 Current period net charge- (1,464) (104,219) (8,472) 717 148 (6) (113,296) offs Notes: 1. Metrics are unaudited 31 2. Totals shown include the amortized cost basis excluding accrued interest receivable, by fiscal year of origination as of September 30, 2024.

Allowance and Loans Held for Investment $351 $309 $289 $262 $232 $205 $182 $176 $153 5.7% 5.6% 5.5% 5.3% 5.1% 5.0% 5.0% 4.7% 4.6% FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 Allowance for Losses ($M) Allowance % of Loans Held for Investment Notes: 32 1. Metrics are unaudited

Change in Allowance for Credit Losses Quarterly Change in Allowance Last 12 Months Change in Allowance $(113) $155 $(383) $502 $351 $309 $351 $232 Allowance Provision for Charge-offs, Net Allowance Allowance Provision for Charge-offs, Net Allowance (June 2024) Losses September 2024 (September 2023) Losses September 2024 Last 12 Months Change in Allowance Quarter Ending 12 Months Ending September 30, December 31, 2023 March 31, 2024 June 30, 2024 September 30, 2024 2024 Beginning of Period Allowance $ 232 $ 262 $ 289 $ 309 $ 232 3 (+) Provision for Loan Losses 116 117 114 155 502 (-) Charge-offs, Net (86) (90) (94) (113) (383) End of Period Allowance $ 262 $ 289 $ 309 $ 351 $ 351 Loans Held for Investment $ 5,239 $ 5,461 $ 5,670 $ 6,311 $ 6,311 Allowance % of Loans Held for Investment 5.0 % 5.3 % 5.5 % 5.6 % 5.6 % Notes: 1. Dollars in millions 33 2. Metrics are unaudited 3. Table details activity in the allowance for credit losses, including charge-offs, recoveries and provision for loan losses; excludes provision for merchant and affiliate network revenue losses

Outlook

Key Assumptions Incorporated in Outlook Enterprise Warrant Expense: " Expenses associated with amortization of the A through C tranches of warrants granted to an enterprise partner are expected to decline to $5 million per quarter in FQ3925 and FQ4925 compared to $74 million in FQ3924 and $72 million in FQ4924. " FY925 expenses associated with the

FY Q2 2025 and FY 2025 Outlook The following summarizes Affirm's financial outlook for the full year Fiscal 2025: " GMV of more than $34 billion " Revenue as a % of GMV at least 20 basis points higher than FY'24 " Revenue Less Transaction Costs as a % of GMV at least 20 basis points higher than FY'24 " Adjusted Operating Margin of at least 20 percent " Weighted Average Shares Outstanding of 322 million " Operating Income: Based upon our current forecast, we expect to achieve operating income profitability on a GAAP basis in FQ4925 and plan to operate the business going forward in a manner designed to maintain profitability on this basis. The following table summarizes Affirm's financial outlook for the second fiscal quarter of 2025: Fiscal Q2 2025 GMV $9,350 to $9,750 million Revenue $770 to $810 million Transaction Costs $420 to $440 million Revenue Less Transaction Costs $350 to $370 million Adjusted Operating Margin 21 to 23 percent Weighted Average Shares Outstanding 322 million 36

Financials

Components of Interest Income Three Months Ended: September 30, December 31, September 30, December 31, September 30, ($ in 000s) March 31, 2023 June 30, 2023 March 31, 2024 June 30, 2024 2022 2022 2023 2023 2024 Interest income on unpaid principal balance $ 106,138 $ 125,858 $ 147,759 $ 181,437 $ 226,158 $ 248,083 $ 273,581 $ 295,197 $ 337,159 Amortization of discount on loans held for investment 38,969 38,838 39,130 41,766 45,118 51,024 53,960 54,552 56,697 Amortization of premiums on loans (4,374) (4,580) (4,515) (4,159) (3,980) (4,183) (4,256) (4,526) (4,633) Interest receivable charged-off, net of recoveries (3,931) (4,795) (4,104) (4,220) (4,617) (6,578) (7,573) (7,605) (12,159) Total interest income $ 136,802 $ 155,321 $ 178,270 $ 214,824 $ 262,679 $ 288,346 $ 315,712 $ 337,618 $ 377,064 38 Notes: 1. Metrics are unaudited

Fully Diluted Shares Outstanding (FY Q1'25) (Shares in millions) 314 Common Shares Outstanding 17 Plus: Balance of Options, Weighted Average Strike Price: $15.84 7 Plus: Vested Warrants, Weighted Average Strike Price: $0.01 13 Plus: CEO Value Creation Award, Weighted Average Strike Price: $49.00 (18) Less: Treasury Stock Reduction of Options and Vested Warrants Outstanding 24 Plus: Restricted Stock Units 357 Fully Diluted Shares, Treasury Stock Method Derivation of Fully Diluted Shares Outstanding Estimate relies upon below inputs and assumptions: " Common shares outstanding and restricted stock units are as of September 30, 2024 " Balance of options and vested warrants outstanding as of September 30, 2024 and reduced by 18 million shares using treasury stock method with $50.00 closing stock price as of 11/6/2024 " Vested warrants include penny warrants " Excludes $100.00 strike price warrants 39 Notes: 1. Metrics are unaudited

Share-Based Payment Expense Adj. Operating Income: $269 $79M $150M $130M $248 $228 $224 $220 $216 $214 $128 $189 $109 $179 $96 $94 $91 $115 $107 $96 $11 $10 $100 $10 $9 $9 $10 $10 $9 $9 $27 $9 $27 $5 $10 $20 $9 $20 $9 $20 $7 $12 $9 $20 $5 $13 $9 $12 $94 $93 $93 $87 $84 $82 $71 $64 $53 FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 Employee Stock-Based Compensation CEO Value Creation Award Shopify Commercial Agreement Asset Amortization Amazon Commercial Agreement Asset Amortization Amazon Enterprise Warrant Vesting Notes: 1. Metrics are unaudited 40 2. Dollars in millions 3. Amounts above are included in Operating Expenses

Reconciliations

Quarterly Revenue & Transaction Cost Detail Three Months Ended ($ in 000s except GMV) September 30, 2022 December 31, 2022 March 31, 2023 June 30, 2023 September 30, 2023 December 31, 2023 March 31, 2024 June 30, 2024 September 30, 2024 Gross Merchandise Value ($M) $ 4,389 $ 5,658 $ 4,639 $ 5,515 $ 5,617 $ 7,494 $ 6,294 $ 7,241 $ 7,598 Revenue Merchant network revenue $ 113,149 $ 134,019 $ 119,013 $ 141,419 $ 145,950 $ 188,357 $ 159,292 $ 181,008 $ 184,339 Card network revenue 26,708 29,117 29,469 34,044 33,476 39,269 35,676 42,980 47,480 Total network revenue $ 139,857 $ 163,136 $ 148,482 $ 175,463 $ 179,426 $ 227,626 $ 194,968 $ 223,988 $ 231,819 Interest income 136,802 155,321 178,270 214,824 262,679 288,346 315,712 337,618 377,064 Gain (loss) on sales of loans 63,595 59,607 32,813 32,326 34,285 52,702 40,183 69,983 63,613 Servicing income 21,370 21,494 21,413 23,212 20,157 22,436 25,294 27,596 25,983 Total Revenue, net $ 361,624 $ 399,558 $ 380,978 $ 445,825 $ 496,547 $ 591,110 $ 576,157 $ 659,185 $ 698,479 Transaction Costs Loss on loan purchase commitment $ 35,610 $ 38,422 $ 31,224 $ 35,009 $ 34,866 $ 53,630 $ 44,143 $ 47,756 $ 54,237 Provision for credit losses 64,250 106,689 66,438 94,483 99,696 120,880 122,443 117,609 159,824 Funding costs 25,066 43,751 51,188 63,008 73,931 84,617 90,449 95,256 104,145 Processing and servicing 54,359 66,508 65,229 71,247 75,671 90,203 88,209 89,166 95,146 Total Transaction Costs $ 179,285 $ 255,370 $ 214,079 $ 263,747 $ 284,164 $ 349,330 $ 345,244 $ 349,787 $ 413,352 Revenue Less Transaction Costs $ 182,339 $ 144,188 $ 166,899 $ 182,078 $ 212,383 $ 241,780 $ 230,913 $ 309,398 $ 285,127 Line Items as a % of GMV Gross Merchandise Value 100.0 % 100.0 % 100.0 % 100.0 % 100.0 % 100.0 % 100.0 % 100.0 % 100.0 % Revenue Merchant network revenue 2.6 % 2.4 % 2.6 % 2.6 % 2.6 % 2.5 % 2.5 % 2.5 % 2.4 % Virtual card network revenue 0.6 % 0.5 % 0.6 % 0.6 % 0.6 % 0.5 % 0.6 % 0.6 % 0.6 % Total network revenue 3.2 % 2.9 % 3.2 % 3.2 % 3.2 % 3.0 % 3.1 % 3.1 % 3.1 % Interest income 3.1 % 2.7 % 3.8 % 3.9 % 4.7 % 3.8 % 5.0 % 4.7 % 5.0 % Gain (loss) on sales of loans 1.4 % 1.1 % 0.7 % 0.6 % 0.6 % 0.7 % 0.6 % 1.0 % 0.8 % Servicing income 0.5 % 0.4 % 0.5 % 0.4 % 0.4 % 0.3 % 0.4 % 0.4 % 0.3 % Total Revenue, net 8.2 % 7.1 % 8.2 % 8.1 % 8.8 % 7.9 % 9.2 % 9.1 % 9.2 % Transaction Costs Loss on loan purchase commitment 0.8 % 0.7 % 0.7 % 0.6 % 0.6 % 0.7 % 0.7 % 0.7 % 0.7 % Provision for credit losses 1.5 % 1.9 % 1.4 % 1.7 % 1.8 % 1.6 % 1.9 % 1.6 % 2.1 % Funding costs 0.6 % 0.8 % 1.1 % 1.1 % 1.3 % 1.1 % 1.4 % 1.3 % 1.4 % Processing and servicing 1.2 % 1.2 % 1.4 % 1.3 % 1.3 % 1.2 % 1.4 % 1.2 % 1.3 % Total Transaction Costs 4.1 % 4.5 % 4.6 % 4.8 % 5.1 % 4.7 % 5.5 % 4.8 % 5.4 % Revenue Less Transaction Costs 4.2 % 2.5 % 3.6 % 3.3 % 3.8 % 3.2 % 3.7 % 4.3 % 3.8 % Notes: 42 1. Metrics are unaudited

Annual Revenue & Transaction Cost Detail Twelve Months Ended: ($ in 000s except GMV) June 30, 2022 June 30, 2023 June 30, 2024 Gross Merchandise Value ($M) $ 15,483 $ 20,201 $ 26,646 Revenue Merchant network revenue $ 458,511 $ 507,600 $ 674,607 Card network revenue 100,696 119,338 151,401 Total network revenue $ 559,207 $ 626,938 $ 826,008 Interest income 527,880 685,217 1,204,355 Gain (loss) on sales of loans 196,435 188,341 197,153 Servicing income 65,770 87,489 95,483 Total Revenue, net $ 1,349,292 $ 1,587,985 $ 2,322,999 Transaction Costs Loss on loan purchase commitment $ 204,081 $ 140,265 $ 180,395 Provision for credit losses 255,272 331,860 460,628 Funding costs 69,694 183,013 344,253 Processing and servicing 157,814 257,343 343,249 Total Transaction Costs $ 686,861 $ 912,481 $ 1,328,525 Revenue Less Transaction Costs $ 662,431 $ 675,504 $ 994,474 Line Items as a % of GMV Gross Merchandise Value 100.0 % 100.0 % 100.0 % Revenue Merchant network revenue 3.0 % 2.5 % 2.5 % Virtual card network revenue 0.7 % 0.6 % 0.6 % Total network revenue 3.6 % 3.1 % 3.1 % Interest income 3.4 % 3.4 % 4.5 % Gain (loss) on sales of loans 1.3 % 0.9 % 0.7 % Servicing income 0.4 % 0.4 % 0.4 % Total Revenue, net 8.7 % 7.9 % 8.7 % Transaction Costs Loss on loan purchase commitment 1.3 % 0.7 % 0.7 % Provision for credit losses 1.6 % 1.6 % 1.7 % Funding costs 0.5 % 0.9 % 1.3 % Processing and servicing 1.0 % 1.3 % 1.3 % Total Transaction Costs 4.4 % 4.5 % 5.0 % Revenue Less Transaction Costs 4.3 % 3.3 % 3.7 % Notes: 1. Metrics are unaudited 43

Income Statement Reconciliations - Fiscal Quarter Three Months Ended September 30, 2022 December 31, 2022 March 31, 2023 June 30, 2023 September 30, 2023 December 31, 2023 March 31, 2024 June 30, 2024 September 30, 2024 Income Statement Reconciliations ($K) $ 361,624 $ 399,558 $ 380,978 $ 445,825 $ 496,547 $ 591,110 $ 576,157 $ 659,185 $ 698,479 Total Revenue Operating Expenses Loss on loan purchase commitment $ 35,610 $ 38,422 $ 31,224 $ 35,009 $ 34,866 $ 53,630 $ 44,143 $ 47,756 $ 54,237 Provision for credit losses 64,250 106,689 66,438 94,483 99,696 120,880 122,443 117,609 159,824 Funding costs 25,066 43,751 51,188 63,008 73,931 84,617 90,449 95,256 104,145 Processing and servicing 54,359 66,508 65,229 71,247 75,671 90,203 88,209 89,166 95,146 Total Transaction Costs $ 179,285 $ 255,370 $ 214,079 $ 263,747 $ 284,164 $ 349,330 $ 345,244 $ 349,787 $ 413,352 Technology and data analytics 144,961 156,747 161,792 152,318 132,965 119,833 124,828 124,231 134,290 Sales and marketing 163,873 188,334 140,942 145,131 146,866 161,265 132,950 135,324 145,233 Restructuring and other 4 4 34,934 936 1,665 56 5,203 (156) (255) General and administrative 160,972 158,639 139,266 127,521 140,334 132,777 128,721 123,459 138,482 Total Operating Expenses $ 649,091 $ 759,090 $ 691,013 $ 689,653 $ 705,994 $ 763,261 $ 736,946 $ 732,645 $ 831,102 Operating Income (Loss) $ (287,467) $ (359,532) $ (310,035) $ (243,828) $ (209,447) $ (172,151) $ (160,789) $ (73,460) $ (132,623) Reconciliation from Revenue to Revenue Less Transaction Costs and Revenue Less Transaction Costs ex-Provision $ 361,624 $ 399,558 $ 380,978 $ 445,825 $ 496,547 $ 591,110 $ 576,157 $ 659,185 $ 698,479 Total Revenue Less: Loss on loan purchase commitment 35,610 38,422 31,224 35,009 34,866 53,630 44,143 47,756 54,237 Less: Provision for credit losses 64,250 106,689 66,438 94,483 99,696 120,880 122,443 117,609 159,824 Less: Funding costs 25,066 43,751 51,188 63,008 73,931 84,617 90,449 95,256 104,145 Less: Processing and servicing 54,359 66,508 65,229 71,247 75,671 90,203 88,209 89,166 95,146 Revenue Less Transaction Costs $ 182,339 $ 144,188 $ 166,899 $ 182,078 $ 212,383 $ 241,780 $ 230,913 $ 309,398 $ 285,127 Plus: Provision for credit losses 64,250 106,689 66,438 94,483 99,696 120,880 122,443 117,609 159,824 Revenue Less Transaction Costs ex-Provision $ 246,589 $ 250,877 $ 233,337 $ 276,561 $ 312,079 $ 362,660 $ 353,356 $ 427,007 $ 444,951 Reconciliation from from Operating Income (Loss) to Adjusted Operating Income (Loss) Operating Income (Loss) $ (287,467) $ (359,532) $ (310,035) $ (243,828) $ (209,447) $ (172,151) $ (160,789) $ (73,460) $ (132,623) Plus: Depreciation and amortization 20,882 23,004 46,068 43,279 40,060 40,372 45,189 44,284 46,715 Plus: Stock-based compensation expense 119,808 121,775 106,789 103,337 112,359 90,164 77,075 64,913 94,233 Plus: Enterprise warrant and share-based expense 128,205 147,516 112,961 110,467 115,373 134,167 111,829 114,226 121,519 1 Plus: Restructuring and other 4 4 34,934 936 1,665 56 5,203 (156) (255) 2 Plus: Other costs 5 5,203 2,858 517 (66) 4 4 4 4 Adjusted Operating Income (Loss) $ (18,567) $ (62,034) $ (6,425) $ 14,709 $ 59,944 $ 92,608 $ 78,506 $ 149,807 $ 129,589 Notes: 1.Restructuring and other includes expenses incurred in the period associated with the Company's restructurings and other exit and disposal activities, which were presented separately in the income statement beginning March 31, 2023 44 2. Other costs consist of expenses incurred in the period associated with the Company's acquisitions and impairment charges. For the three months ended December 31, 2022 and earlier periods, other costs also include expenses related to exit and disposal activities, including one-time employee termination benefits 3. Metrics are unaudited

Income Statement Reconciliations - Fiscal Year June 30, 2022 June 30, 2023 June 30, 2024 Income Statement Reconciliations ($K) $ 1,349,292 $ 1,587,985 $ 2,322,999 Total Revenue Operating Expenses Loss on loan purchase commitment $ 204,081 $ 140,265 $ 180,395 Provision for credit losses 255,272 331,860 460,628 Funding costs 69,694 183,013 344,253 Processing and servicing 157,814 257,343 343,249 Total Transaction Costs $ 686,861 $ 912,481 $ 1,328,525 Technology and data analytics 418,643 615,818 501,857 Sales and marketing 532,343 638,280 576,405 Restructuring and other 4 35,870 6,768 General and administrative 577,493 586,398 525,291 Total Operating Expenses $ 2,215,340 $ 2,788,847 $ 2,938,846 Operating Income (Loss) $ (866,048) $ (1,200,862) $ (615,847) Reconciliation from Revenue to Revenue Less Transaction Costs and Revenue Less Transaction Costs ex-Provision $ 1,349,292 $ 1,587,985 $ 2,322,999 Total Revenue Less: Loss on loan purchase commitment 204,081 140,265 180,395 Less: Provision for credit losses 255,272 331,860 460,628 Less: Funding costs 69,694 183,013 344,253 Less: Processing and servicing 157,814 257,343 343,249 Revenue Less Transaction Costs $ 662,431 $ 675,504 $ 994,474 Plus: Provision for credit losses 255,272 331,860 460,628 Revenue Less Transaction Costs ex-Provision $ 917,703 $ 1,007,364 $ 1,455,102 Reconciliation from from Operating Income (Loss) to Adjusted Operating Income (Loss) Operating Income (Loss) $ (866,048) $ (1,200,862) $ (615,847) Plus: Depreciation and amortization 52,722 133,233 169,904 Plus: Stock-based compensation expense 390,983 451,709 344,511 Plus: Enterprise warrant and share-based expense 343,268 499,150 475,595 1 Plus: Restructuring and other 4 35,870 6,768 2 Plus: Other costs 743 8,583 (66) Adjusted Operating Income (Loss) $ (78,332) $ (72,317) $ 380,865 Notes: 1.Restructuring and other includes expenses incurred in the period associated with the Company's restructurings and other exit and disposal activities, which were presented separately in the income statement beginning March 31, 2023 45 2. Other costs consist of expenses incurred in the period associated with the Company's acquisitions and impairment charges. For the three months ended December 31, 2022 and earlier periods, other costs also include expenses related to exit and disposal activities, including one-time employee termination benefits 3. Metrics are unaudited

GAAP to Non-GAAP Expense Reconciliations, H2'24 ($ in 000s) Three Months Ended September 30, 2024 Stock-Based Enterprise Warrant Compensation & Share Based Restructuring and (1) (2) GAAP D&A Expense Expenses other Other costs Non-GAAP Loss on loan purchase commitment $ 54,237 $ 0 $ 0 $ 0 $ 0 $ 0 $ 54,237 Provision for credit losses 159,824 0 0 0 0 0 159,824 Funding costs 104,145 0 0 0 0 0 104,145 Processing and servicing 95,146 32 262 0 0 0 94,852 Total Transaction Costs $ 413,352 $ 32 $ 262 $ 0 $ 0 $ 0 $ 413,058 Technology and data analytics $ 134,290 $ 45,392 $ 25,972 $ 0 $ 0 $ 0 $ 62,926 Sales and marketing 145,233 686 5,195 121,519 0 0 17,833 General and administrative 138,482 605 62,804 0 0 0 75,073 Restructuring and other (255) 0 0 0 (255) 0 0 Other Operating Expenses $ 417,750 $ 46,683 $ 93,971 $ 121,519 $ (255) $ 0 $ 155,833 Total Operating Expenses $ 831,102 $ 46,715 $ 94,233 $ 121,519 $ (255) $ 4 $ 568,890 Notes: 1.Restructuring and other includes expenses incurred in the period associated with the Company's restructurings and other exit and disposal activities, which were presented separately in the income statement beginning March 31, 2023 2. Other costs consist of expenses incurred in the period associated with the Company's acquisitions and impairment charges. For the three months ended December 31, 2022 and earlier periods, other costs also 46 include expenses related to exit and disposal activities, including one-time employee termination benefits 3. Metrics are unaudited

GAAP to Non-GAAP Expense Reconciliations, H2'24 ($ in 000s) Three Months Ended June 30, 2024 Stock-Based Enterprise Warrant Restructuring and Compensation & Share Based (1) (2) GAAP D&A other Other costs Non-GAAP Expense Expenses Loss on loan purchase commitment $ 47,756 $ 0 $ 0 $ 0 $ 0 $ 0 $ 47,756 Provision for credit losses 117,609 0 0 0 0 0 117,609 Funding costs 95,256 0 0 0 0 0 95,256 Processing and servicing 89,166 35 114 0 0 0 89,017 Total Transaction Costs $ 349,787 $ 35 $ 114 $ 0 $ 0 $ 0 $ 349,638 Technology and data analytics $ 124,231 $ 42,875 $ 17,789 $ 0 $ 0 $ 0 $ 63,567 Sales and marketing 135,324 757 2,746 114,226 0 0 17,595 General and administrative 123,459 616 44,264 0 0 0 78,579 Restructuring and other (156) 0 0 0 (156) 0 0 Other Operating Expenses $ 382,858 $ 44,249 $ 64,799 $ 114,226 $ (156) $ 0 $ 159,740 Total Operating Expenses $ 732,645 $ 44,284 $ 64,913 $ 114,226 $ (156) $ 4 $ 509,378 ($ in 000s) Three Months Ended March 31, 2024 Stock-Based Enterprise Warrant Restructuring and Compensation & Share Based (1) (2) GAAP D&A other Other costs Non-GAAP Expense Expenses Loss on loan purchase commitment $ 44,143 $ 0 $ 0 $ 0 $ 0 $ 0 $ 44,143 Provision for credit losses 122,443 0 0 0 0 0 122,443 Funding costs 90,449 0 0 0 0 0 90,449 Processing and servicing 88,209 58 165 0 0 0 87,986 Total Transaction Costs $ 345,244 $ 58 $ 165 $ 0 $ 0 $ 0 $ 345,021 Technology and data analytics $ 124,828 $ 43,841 $ 21,105 $ 0 $ 0 $ 0 $ 59,882 Sales and marketing 132,950 683 3,858 111,829 0 0 16,580 General and administrative 128,721 606 51,947 0 0 0 76,168 Restructuring and other 5,203 0 0 0 5,203 0 0 Other Operating Expenses $ 391,702 $ 45,130 $ 76,910 $ 111,829 $ 5,203 $ 0 $ 152,630 Total Operating Expenses $ 736,946 $ 45,189 $ 77,075 $ 111,829 $ 5,203 $ 4 $ 497,651 Notes: 1.Restructuring and other includes expenses incurred in the period associated with the Company's restructurings and other exit and disposal activities, which were presented separately in the income statement beginning March 31, 2023 47 2. Other costs consist of expenses incurred in the period associated with the Company's acquisitions and impairment charges. For the three months ended December 31, 2022 and earlier periods, other costs also include expenses related to exit and disposal activities, including one-time employee termination benefits 3. Metrics are unaudited

GAAP to Non-GAAP Expense Reconciliations, H1'24 ($ in 000s) Three Months Ended December 31, 2023 Stock-Based Enterprise Warrant Restructuring and Compensation & Share Based (1) (2) GAAP D&A other Other costs Non-GAAP Expense Expenses Loss on loan purchase commitment $ 53,630 $ 0 $ 0 $ 0 $ 0 $ 0 $ 53,630 Provision for credit losses 120,880 0 0 0 0 0 120,880 Funding costs 84,617 0 0 0 0 0 84,617 Processing and servicing 90,203 158 1,353 0 0 0 88,692 Total Transaction Costs $ 349,330 $ 158 $ 1,353 $ 0 $ 0 $ 0 $ 347,819 Technology and data analytics $ 119,833 $ 38,531 $ 22,567 $ 0 $ 0 $ 0 $ 58,735 Sales and marketing 161,265 721 4,305 134,167 0 0 22,072 General and administrative 132,777 962 61,939 0 0 0 69,876 Restructuring and other 56 0 0 0 56 0 0 Other Operating Expenses $ 413,931 $ 40,213 $ 88,811 $ 134,167 $ 56 $ 0 $ 150,683 Total Operating Expenses $ 763,261 $ 40,372 $ 90,164 $ 134,167 $ 56 $ 4 $ 498,502 ($ in 000s) Three Months Ended September 30, 2023 Stock-Based Enterprise Warrant Compensation & Share Based Restructuring and (1) (2) GAAP D&A Expense Expenses other Other costs Non-GAAP Loss on loan purchase commitment $ 34,866 $ 0 $ 0 $ 0 $ 0 $ 0 $ 34,866 Provision for credit losses 99,696 0 0 0 0 0 99,696 Funding costs 73,931 0 0 0 0 0 73,931 Processing and servicing 75,671 99 1,575 0 0 0 73,997 Total Transaction Costs $ 284,164 $ 99 $ 1,575 $ 0 $ 0 $ 0 $ 282,490 Technology and data analytics $ 132,965 $ 31,676 $ 35,135 $ 0 $ 0 $ 0 $ 66,154 Sales and marketing 146,866 7,681 5,465 115,373 0 0 18,347 General and administrative 140,334 604 70,184 0 0 (66) 69,612 Restructuring and other 1,665 0 0 0 1,665 0 0 Other Operating Expenses $ 421,830 $ 39,961 $ 110,784 $ 115,373 $ 1,665 $ (66) $ 154,113 Total Operating Expenses $ 705,994 $ 40,060 $ 112,359 $ 115,373 $ 1,665 $ (66) $ 436,603 Notes: 1.Restructuring and other includes expenses incurred in the period associated with the Company's restructurings and other exit and disposal activities, which were presented separately in the income statement beginning March 31, 2023 48 2. Other costs consist of expenses incurred in the period associated with the Company's acquisitions and impairment charges. For the three months ended December 31, 2022 and earlier periods, other costs also include expenses related to exit and disposal activities, including one-time employee termination benefits 3. Metrics are unaudited

GAAP to Non-GAAP Expense Reconciliations, H2'23 ($ in 000s) Three Months Ended June 30, 2023 Stock-Based Enterprise Warrant Restructuring and Compensation & Share Based (1) (2) GAAP D&A other Other costs Non-GAAP Expense Expenses Loss on loan purchase commitment $ 35,009 $ 0 $ 0 $ 0 $ 0 $ 0 $ 35,009 Provision for credit losses 94,483 0 0 0 0 0 94,483 Funding costs 63,008 0 0 0 0 0 63,008 Processing and servicing 71,247 109 1,411 0 0 0 69,727 Total Transaction Costs $ 263,747 $ 109 $ 1,411 $ 0 $ 0 $ 0 $ 262,227 Technology and data analytics $ 152,318 $ 34,737 $ 44,394 $ 0 $ 0 $ 0 $ 73,187 Sales and marketing 145,131 7,773 6,397 110,467 0 0 20,493 General and administrative 127,521 660 51,135 0 0 517 75,208 Restructuring and other 936 0 0 0 936 0 0 Other Operating Expenses $ 425,906 $ 43,170 $ 101,926 $ 110,467 $ 936 $ 517 $ 168,889 Total Operating Expenses $ 689,653 $ 43,279 $ 103,337 $ 110,467 $ 936 $ 517 $ 431,116 ($ in 000s) Three Months Ended March 31, 2023 Stock-Based Enterprise Warrant Restructuring and Compensation & Share Based (1) (2) GAAP D&A other Other costs Non-GAAP Expense Expenses Loss on loan purchase commitment $ 31,224 $ 0 $ 0 $ 0 $ 0 $ 0 $ 31,224 Provision for credit losses 66,438 0 0 0 0 0 66,438 Funding costs 51,188 0 0 0 0 0 51,188 Processing and servicing 65,229 100 1,120 0 0 0 64,009 Total Transaction Costs $ 214,079 $ 100 $ 1,120 $ 0 $ 0 $ 0 $ 212,859 Technology and data analytics $ 161,792 $ 39,167 $ 45,040 $ 0 $ 0 $ 0 $ 77,585 Sales and marketing 140,942 5,890 5,840 112,961 0 0 16,251 General and administrative 139,266 911 54,789 0 0 2,858 80,708 Restructuring and other 34,934 0 0 0 34,934 0 0 Other Operating Expenses $ 476,934 $ 45,968 $ 105,669 $ 112,961 $ 34,934 $ 2,858 $ 174,544 Total Operating Expenses $ 691,013 $ 46,068 $ 106,789 $ 112,961 $ 34,934 $ 2,858 $ 387,403 Notes: 1.Restructuring and other includes expenses incurred in the period associated with the Company's restructurings and other exit and disposal activities, which were presented separately in the income statement beginning March 31, 2023 49 2. Other costs consist of expenses incurred in the period associated with the Company's acquisitions and impairment charges. For the three months ended December 31, 2022 and earlier periods, other costs also include expenses related to exit and disposal activities, including one-time employee termination benefits 3. Metrics are unaudited

GAAP to Non-GAAP Expense Reconciliations, H1'23 ($ in 000s) Three Months Ended December 31, 2022 Stock-Based Enterprise Warrant Restructuring and Compensation & Share Based (1) (2) GAAP D&A other Other costs Non-GAAP Expense Expenses Loss on loan purchase commitment $ 38,422 $ 0 $ 0 $ 0 $ 0 $ 0 $ 38,422 Provision for credit losses 106,689 0 0 0 0 0 106,689 Funding costs 43,751 0 0 0 0 0 43,751 Processing and servicing 66,508 108 1,033 0 0 0 65,367 Total Transaction Costs $ 255,370 $ 108 $ 1,033 $ 0 $ 0 $ 0 $ 254,229 Technology and data analytics $ 156,747 $ 20,154 $ 48,534 $ 0 $ 0 $ 0 $ 88,059 Sales and marketing 188,334 2,161 5,549 147,516 0 1,930 31,179 General and administrative 158,639 581 66,659 0 0 3,273 88,126 Restructuring and other 0 0 0 0 0 0 0 Other Operating Expenses $ 503,720 $ 22,896 $ 120,742 $ 147,516 $ 0 $ 5,203 $ 207,363 Total Operating Expenses $ 759,090 $ 23,004 $ 121,775 $ 147,516 $ 4 $ 5,203 $ 461,592 ($ in 000s) Three Months Ended September 30, 2022 Stock-Based Enterprise Warrant Restructuring and Compensation & Share Based (1) (2) GAAP D&A other Other costs Non-GAAP Expense Expenses Loss on loan purchase commitment $ 35,610 $ 0 $ 0 $ 0 $ 0 $ 0 $ 35,610 Provision for credit losses 64,250 0 0 0 0 0 64,250 Funding costs 25,066 0 0 0 0 0 25,066 Processing and servicing 54,359 95 912 0 0 0 53,352 Total Transaction Costs $ 179,285 $ 95 $ 912 $ 0 $ 0 $ 0 $ 178,278 Technology and data analytics $ 144,961 $ 17,963 $ 43,428 $ 0 $ 0 $ 0 $ 83,570 Sales and marketing 163,873 2,199 8,128 128,205 0 0 25,341 General and administrative 160,972 625 67,340 0 0 5 93,002 Restructuring and other 0 0 0 0 0 0 0 Other Operating Expenses $ 469,806 $ 20,787 $ 118,896 $ 128,205 $ 0 $ 5 $ 201,913 Total Operating Expenses $ 649,091 $ 20,882 $ 119,808 $ 128,205 $ 4 $ 5 $ 380,191 Notes: 1.Restructuring and other includes expenses incurred in the period associated with the Company's restructurings and other exit and disposal activities, which were presented separately in the income statement beginning March 31, 2023 50 2. Other costs consist of expenses incurred in the period associated with the Company's acquisitions and impairment charges. For the three months ended December 31, 2022 and earlier periods, other costs also include expenses related to exit and disposal activities, including one-time employee termination benefits 3. Metrics are unaudited

GAAP to Non-GAAP Expense Reconciliations (FY'23 & FY'24) ($ in 000s) Twelve Months Ended June 30, 2024 Stock-Based Enterprise Warrant Restructuring and Compensation & Share Based (1) (2) GAAP D&A other Other costs Non-GAAP Expense Expenses Loss on loan purchase commitment $ 180,395 $ 0 $ 0 $ 0 $ 0 $ 0 $ 180,395 Provision for credit losses 460,628 0 0 0 0 0 460,628 Funding costs 344,253 0 0 0 0 0 344,253 Processing and servicing 343,249 351 3,207 0 0 0 339,691 Total Transaction Costs $ 1,328,525 $ 351 $ 3,207 $ 0 $ 0 $ 0 $ 1,324,967 Technology and data analytics $ 501,857 $ 156,924 $ 96,596 $ 0 $ 0 $ 0 $ 248,337 Sales and marketing 576,405 9,842 16,374 475,595 0 0 74,594 General and administrative 525,291 2,788 228,334 0 0 (66) 294,236 Restructuring and other 6,768 0 0 0 6,768 0 0 Other Operating Expenses $ 1,610,321 $ 169,553 $ 341,304 $ 475,595 $ 6,768 $ (66) $ 617,167 Total Operating Expenses $ 2,938,846 $ 169,904 $ 344,511 $ 475,595 $ 6,768 $ (66) $ 1,942,134 ($ in 000s) Twelve Months Ended June 30, 2023 Stock-Based Enterprise Warrant Compensation & Share Based Restructuring and (1) (2) GAAP D&A Expense Expenses other Other costs Non-GAAP Loss on loan purchase commitment $ 140,265 $ 0 $ 0 $ 0 $ 0 $ 0 $ 140,265 Provision for credit losses 331,860 0 0 0 0 0 331,860 Funding costs 183,013 0 0 0 0 0 183,013 Processing and servicing 257,343 412 4,476 0 0 0 252,455 Total Transaction Costs $ 912,481 $ 412 $ 4,476 $ 0 $ 0 $ 0 $ 907,593 Technology and data analytics $ 615,818 $ 112,021 $ 181,396 $ 0 $ 0 $ 0 $ 322,401 Sales and marketing 638,280 18,023 25,914 499,150 0 1,930 93,263 General and administrative 586,398 2,777 239,923 0 0 6,653 337,044 Restructuring and other 35,870 0 0 0 35,870 0 0 Other Operating Expenses $ 1,876,366 $ 132,821 $ 447,233 $ 499,150 $ 35,870 $ 8,583 $ 752,708 Total Operating Expenses $ 2,788,847 $ 133,233 $ 451,709 $ 499,150 $ 35,870 $ 8,583 $ 1,660,301 Notes: 1.Restructuring and other includes expenses incurred in the period associated with the Company's restructurings and other exit and disposal activities, which were presented separately in the income statement beginning March 31, 2023 51 2. Other costs consist of expenses incurred in the period associated with the Company's acquisitions and impairment charges. For the three months ended December 31, 2022 and earlier periods, other costs also include expenses related to exit and disposal activities, including one-time employee termination benefits 3. Metrics are unaudited

GAAP to Non-GAAP Expense Reconciliation (FY'22) ($ in 000s) Twelve Months Ended June 30, 2022 Stock-Based Enterprise Warrant Restructuring and Compensation & Share Based (1) (2) GAAP D&A other Other costs Non-GAAP Expense Expenses Loss on loan purchase commitment $ 204,081 $ 0 $ 0 $ 0 $ 0 $ 0 $ 204,081 Provision for credit losses 255,272 0 0 0 0 0 255,272 Funding costs 69,694 0 0 0 0 0 69,694 Processing and servicing 157,814 604 2,431 0 0 0 154,779 Total Transaction Costs $ 686,861 $ 604 $ 2,431 $ 0 $ 0 $ 0 $ 683,826 Technology and data analytics $ 418,643 $ 40,480 $ 116,531 $ 0 $ 0 $ 0 $ 261,631 Sales and marketing 532,343 7,544 23,224 343,268 0 0 158,307 General and administrative 577,493 4,094 248,797 0 0 743 323,859 Restructuring and other 0 0 0 0 0 0 0 Other Operating Expenses $ 1,528,479 $ 52,118 $ 388,552 $ 343,268 $ 0 $ 743 $ 743,797 Total Operating Expenses $ 2,215,340 $ 52,722 $ 390,983 $ 343,268 $ 4 $ 743 $ 1,427,623 Notes: 1.Restructuring and other includes expenses incurred in the period associated with the Company's restructurings and other exit and disposal activities, which were presented separately in the income statement beginning March 31, 2023 52 2. Other costs consist of expenses incurred in the period associated with the Company's acquisitions and impairment charges. For the three months ended December 31, 2022 and earlier periods, other costs also include expenses related to exit and disposal activities, including one-time employee termination benefits 3. Metrics are unaudited