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These forward-looking statements reflect the Company's views with respect to future events as of the date hereof and are based on assumptions and subject to risks and uncertainties. Given these uncertainties,\ninvestors should not place undue reliance on these forward-looking statements. The forward-looking statements are made as of the date hereof, and the Company assumes no obligation and does not intend to update these\nforward-looking statements.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:21:47.488+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0788cf84-700b-4066-ae93-20d2d6233445", "parentComponentId": null }, { "bbox": { "h": 0.172, "w": 0.939, "x": 0.03, "y": 0.108 }, "kind": "paragraph", "text": "Cautionary Note About Forward-Looking Statements\nThis document contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended (the \"Securities Act\"), and Section 21E of the Securities Exchange Act of 1934, as amended, that\ninvolve risks and uncertainties. All statements other than statements of historical fact are forward-looking statements, including statements regarding: the Company's strategy and future operations, including the Company's\npartnerships with certain key merchants and commerce platforms as well as its engagement with existing and prospective originating bank partners; the development, innovation, introduction and performance of, and demand for,\nthe Company's products, including Affirm Card; the Company's ability to maintain funding sources to support its business; acquisition and retention of merchants and consumers; the Company's future growth, investments, network\nexpansion, product mix, brand awareness, financial position, gross merchandise volume, revenue, transaction costs, operating income, provision for credit losses, and cash flows; and general economic trends and trends in the\nCompany's industry and markets. These forward-looking statements involve known and unknown risks, uncertainties and other important factors that may cause the Company's actual results, performance or achievements to be\nmaterially different from any future results, performance or achievements expressed or implied by the forward-looking statements.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:21:47.488+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6cd6733e-e3fa-4ee2-8964-9d63ed2f799a", "parentComponentId": null }, { "bbox": { "h": 0.22, "w": 0.939, "x": 0.03, "y": 0.72 }, "kind": "paragraph", "text": "Use of Non-GAAP Financial Measures\nTo supplement our condensed consolidated financial statements, which are prepared and presented in accordance with generally accepted accounting principles in the United States (\"GAAP\"), we present the following non-GAAP\nfinancial measures: revenue less transaction costs, revenue less transaction costs as a percentage of GMV, adjusted operating loss and adjusted operating margin. 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US loans only, excludes Pay in 4 (formerly known as Split Pay) loan transactions with 0% APR and 6-8 week term lengths\n2. Metrics are unaudited", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. 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Metrics are unaudited\n2. Table presents ITACS score distribution of the unpaid principal balance of loans held for investment\n3. Balance for loans with \"No score\" represents loan receivables in experimental products or new markets without sufficient data currently available for use by the Affirm scoring methodology", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. 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We are incorporating consumers' student loan balances into our underwriting decisions, and therefore expect the resumption of loan repayments to be a modest headwind to our FY'24 GMV.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 08:21:57.56+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "feef19cc-89c3-48b1-a082-83120b7513f7", "parentComponentId": null }, { "bbox": { "h": 0.016, "w": 0.02, "x": 0.936, "y": 0.936 }, "kind": "source-note", "text": "33", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. 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Metrics are unaudited\n2. Other costs consist of expenses incurred in the period associated with the Company's initial public offering, acquisitions, impairment charges, restructuring, and exit and disposal costs", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. 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"promptVersion": null }, "componentId": "042a495f-43c9-4361-9a23-2779dfcd4c25", "parentComponentId": null }, { "bbox": { "h": 0.4, "w": 0.92, "x": 0.05, "y": 0.08 }, "kind": "table", "text": "Twelve Months Ended June 30, 2023\nGAAP, D&A, Stock-Based Compensation, Enterprise Warrant & Share Based, Restructuring and Other, Other Costs, Non-GAAP\nLoss on loan purchase commitment: $140,265, $0, $0, $0, $0, $0, $140,265\nProvision for credit losses: $331,860, $0, $0, $0, $0, $0, $331,860\nFunding costs: $183,013, $0, $0, $0, $0, $0, $183,013\nProcessing and servicing: $257,343, $412, $4,476, $0, $0, $0, $252,455\nTotal Transaction Costs: $912,481, $412, $4,476, $0, $0, $0, $907,593\nTechnology and data analytics: $615,818, $112,021, $181,396, $0, $0, $0, $322,401\nSales and marketing: $638,280, $18,023, $25,914, $499,150, $0, $1,930, $93,263\nGeneral and administrative: $586,398, $2,777, $239,923, $0, $0, $6,653, $337,044\nRestructuring and other: $35,870, $0, $0, $0, $35,870, $0, $0\nOther 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