{ "schemaVersion": "deck-intelligence.v1", "id": "019de518-d9e4-7174-a7f0-fba0f3e9d808", "slug": "7c97a566c9402e0896e82b7d16335aad", "title": "Affirm | Results Presentation Deck | 52 slides", "subtitle": "Affirm · 2025-02", "author": "Affirm", "date": "2025-02-01 00:00:00", "pageCount": 52, "kind": "conference-presentation", "orientation": "landscape", "aspectRatio": 1.7777778, "document": { "id": "019de518-d9e4-7174-a7f0-fba0f3e9d808", "slug": "7c97a566c9402e0896e82b7d16335aad", "title": "Affirm | Results Presentation Deck | 52 slides", "rawTitle": "Affirm | Results Presentation Deck | 52 slides", "authorId": "affirm", "authorName": "Affirm", "authorDisplay": "Affirm", "kind": { "slug": "conference-presentation", "label": "Conference presentation" }, "sourceType": { "slug": "investor_relations", "label": "Investor relations" }, "fileName": "2025-02__affirm__results__7c97a566.pdf", "sourceUrl": "https://www.slidebook.io/company/affirm/presentation/7c97a566c9402e0896e82b7d16335aad/", "sourceDate": "2025-02-06 00:00:00", "presentationDate": "2025-02-01 00:00:00", "ingestedAt": "2026-05-01 19:51:44.444207+00", "status": "ready", "pageCount": 52, "orientation": "landscape", "aspectRatio": 1.7777778, "targetCompany": null, "targetTicker": null, "metadata": { "corpus": "slidebook", "industry": "software-infrastructure", "local_root": "/Users/miguelsuredasuau/Desktop/lalalalla/_scrape/slidebook/decks/2025-02__affirm__results__7c97a566", "image_width": 1920, "image_format": "jpg", "deck_type_raw": "Results Presentation Deck", "deck_type_slug": null, "source_url_pattern": "https://www.slidebook.io/company/{company_slug}/presentation/{deck_id}/" } }, "coverage": { "pageCount": 52, "pagesIndexed": 52, "pagesWithImages": 52, "pagesWithMetadata": 52, "imageCoveragePct": 100, "metadataCoveragePct": 100, "componentCount": 223, "chartCount": 38, "metricSlides": 0, "toolMatches": 43, "documentToolMatches": 0, "frameworkMatches": 0, "arcMatches": 1, "beatMatches": 4, "loopMatches": 2, "patternMatches": 0, "storymakersMatch": false, "scoreAvailable": false, "reviewAvailable": false, "activistThesisAvailable": false, "pitchdeckMetadataAvailable": false, "pitchdeckProfileAvailable": false }, "blocks": [], "matches": { "arcs": [ { "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null, "categoryName": "Strategy & Business", "categorySlug": "strategy-business" }, "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "evidence": "The presentation follows a structured format, similar to Sequoia Pitch decks", "isPrimary": true, "confidence": 0.7, "extraction": { "at": "2026-07-17 03:31:24.703308+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "beats": [ { "to": 4, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null, "categoryName": "Strategy & Business", "categorySlug": "strategy-business" }, "from": 1, "name": "Problem", "beatId": "8d849478-d82d-4653-99a2-40f39a9f0f01", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Problem", "slug": "sequoia-pitch-problem", "status": "active", "canonId": "019dd9b8-1ed4-767b-8e05-40e733bd2311", "version": 1, "description": null }, "evidence": "The presentation starts with an overview of Affirm's mission and business highlights", "position": 0, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.7 }, { "to": 9, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null, "categoryName": "Strategy & Business", "categorySlug": "strategy-business" }, "from": 5, "name": "Market Size", "beatId": "346b82bb-7013-4225-9157-6e6c1d35fcc4", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Market Size", "slug": "sequoia-pitch-market-size", "status": "active", "canonId": "019dd9b8-20e6-729c-bc28-05442906d032", "version": 1, "description": null }, "evidence": "The presentation provides an overview of Affirm's GMV and business metrics", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 }, { "to": 19, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null, "categoryName": "Strategy & Business", "categorySlug": "strategy-business" }, "from": 10, "name": "Solution", "beatId": "b41b4ef3-61f0-421d-adcf-154132afa164", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Solution", "slug": "sequoia-pitch-solution", "status": "active", "canonId": "019dd9b8-1fb1-71d9-a260-07738d7f9c2f", "version": 1, "description": null }, "evidence": "The presentation outlines Affirm's diversified channels and partnerships", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", "version": 1, "description": "The pivot — solution proposed, catalyst introduced, decision made. Common (15/20 arcs) but not universal: Triple-take, AIDA, PAS, Voyage-return and Pixar substitute it with a strong reflection or development beat." }, "alignedBlockIds": null, "matchConfidence": 0.7 }, { "to": 36, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null, "categoryName": "Strategy & Business", "categorySlug": "strategy-business" }, "from": 20, "name": "Financials", "beatId": "47c38b1c-e527-427a-936e-301f12e940ec", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Financials", "slug": "sequoia-pitch-financials", "status": "active", "canonId": "019dd9b8-245d-74ce-8a5e-8094ec926a75", "version": 1, "description": null }, "evidence": "The presentation provides detailed financial results and outlook", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [ { "to": 29, "from": 25, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null, "categoryName": "Urgency", "categorySlug": "urgency" }, "matchId": "b009c88f-77e7-4f38-a9de-ecb84b99f767", "evidence": "The presentation compares Affirm's delinquency performance to other consumer lenders", "position": 0, "objective": "Highlight the importance of Affirm's lending approach", "confidence": 0.6, "extraction": { "at": "2026-07-17 03:31:24.913172+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } }, { "to": 36, "from": 34, "loop": { "name": "15_why_now", "slug": "15-why-now", "status": "active", "bestFor": "Sales pitches, fundraising, requesting immediate budget approval", "canonId": "019dd956-6c00-70cd-bd42-6bacc4af726f", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Context (Trends) -> The Trigger Event -> The Window of Opportunity", "description": "Create temporal urgency by proving that the window of opportunity is opening or closing", "familyLabel": null, "categoryName": "Urgency", "categorySlug": "urgency" }, "matchId": "0422d47f-5d2e-4c5e-a15d-1bf4f694056e", "evidence": "The presentation outlines key assumptions incorporated in the outlook", "position": 1, "objective": "Explain why Affirm is well-positioned for growth", "confidence": 0.6, "extraction": { "at": "2026-07-17 03:31:24.956054+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "tools": [ { "tool": { "name": "Slide recipe: Cover", "slug": "cover-slide", "status": "active", "bestFor": null, "canonId": "019df269-2a08-767d-9128-e7431e6fe8a3", "version": 1, "bodyDocId": "019df269-29e5-7738-b5fa-6892e5dc8e65", "description": "The first ten seconds. Build it deliberately.", "familyLabel": "slide-recipe", "categoryName": "Slide", "categorySlug": "slide" }, "agent": "designer", "layer": "slide", "agents": [ "designer" ], "matchId": "34f17f70-0acc-420f-92aa-f5cc26aff91e", "evidence": "This is a cover slide with title, date and logo.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:47.474268+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 1, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "2x2 matrix", "slug": "matrix-2x2", "status": "active", "bestFor": null, "canonId": "019dd9e1-50ab-72d1-8afb-3ab0a38e32a8", "version": 1, "bodyDocId": null, "description": "BCG matrix, importance/urgency, any axes-and-quadrants frame.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "a861164a-efc5-4382-bb5b-f51a08a25c80", "evidence": "No clear 2x2 matrix visible.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.5, "extraction": { "at": "2026-07-17 02:08:58.942049+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 14, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Waterfall chart", "slug": "waterfall-chart", "status": "active", "bestFor": null, "canonId": "e2799da3-725f-44a9-a093-570f1f388e64", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "ae796c62-6471-4eac-951f-3c2b2bcb8934", "evidence": "chart/waterfall: Quarter Ending December 31, 2024: Net Income ($87) to Adjusted Operating Income ($238) with various adjustments.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:58.911657+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 14, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Chartjunk Elimination", "slug": "chartjunk-elimination", "status": "active", "bestFor": null, "canonId": "019dd956-b49e-7453-ab01-b60f338eeda1", "version": 1, "bodyDocId": null, "description": "Remove decorative elements that don't convey data: 3D effects, shadows, unnecessary gridlines", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "90d0deb8-acdf-4113-8662-5e56c197185b", "evidence": "The use of clear and simple charts to display data.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:59.032647+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 16, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Before-After-Bridge", "slug": "before-after-bridge", "status": "active", "bestFor": null, "canonId": "019dd956-8604-7188-883f-42370288ad05", "version": 1, "bodyDocId": null, "description": "Narrative structure: Paint the before, show the after, explain the bridge", "familyLabel": null, "categoryName": "Block", "categorySlug": "block" }, "agent": "Storyteller", "layer": "slide", "agents": [ "Storyteller" ], "matchId": "7a227a74-bbd0-470e-9f03-83694de8da5e", "evidence": "The chart shows a change in costs from $149M to $294M.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.6, "extraction": { "at": "2026-07-17 02:08:59.09288+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 17, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Small Multiples", "slug": "small-multiples", "status": "active", "bestFor": null, "canonId": "019dd956-b32d-7586-b368-baa1dd388ed4", "version": 1, "bodyDocId": null, "description": "Repeating similar charts for comparison across categories or time", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "e725bc4a-30bc-4e5e-9f6c-82e95400d324", "evidence": "The use of multiple bar charts to compare data across different time periods.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 02:08:59.154848+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 18, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "List presentation", "slug": "list-presentation", "status": "active", "bestFor": null, "canonId": "019dd9e1-4ef7-777d-ba68-9074c2b3bcf1", "version": 1, "bodyDocId": null, "description": "Bulleted, numbered, or checklist enumerations.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "2ea69600-9817-45f7-aa9a-9d132f5059fd", "evidence": "The use of bullet points to list notes and details.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:59.216023+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 19, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Chart Selection Guide", "slug": "chart-selection-guide", "status": "active", "bestFor": null, "canonId": "019dd956-b1a0-700b-ba17-0e16c4d5bcae", "version": 1, "bodyDocId": null, "description": "Choosing the right chart type for your data and message", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "f4518c65-b012-4a64-afe9-619566adaa5b", "evidence": "The use of bar charts to display operating income and loss data.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.6, "extraction": { "at": "2026-07-17 02:08:59.276633+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 20, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Waterfall chart", "slug": "waterfall-chart", "status": "active", "bestFor": null, "canonId": "e2799da3-725f-44a9-a093-570f1f388e64", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "c6b1bafe-9aa2-4ee1-819b-0b2c7c39054b", "evidence": "chart/waterfall: Quarter Ending December 31, 2024: Net Income ($87) to Adjusted Operating Income ($238) with various adjustments.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:59.337982+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 21, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "2x2 matrix", "slug": "matrix-2x2", "status": "active", "bestFor": null, "canonId": "019dd9e1-50ab-72d1-8afb-3ab0a38e32a8", "version": 1, "bodyDocId": null, "description": "BCG matrix, importance/urgency, any axes-and-quadrants frame.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "03c9be65-7d12-4678-89ae-ef4136208710", "evidence": "No clear 2x2 matrix visible.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.5, "extraction": { "at": "2026-07-17 02:08:59.3984+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 22, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Chart Selection Guide", "slug": "chart-selection-guide", "status": "active", "bestFor": null, "canonId": "019dd956-b1a0-700b-ba17-0e16c4d5bcae", "version": 1, "bodyDocId": null, "description": "Choosing the right chart type for your data and message", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "5a7b1e42-607f-4775-9f26-3d7c4b42aba9", "evidence": "The use of bar charts to display platform portfolio loans data.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.6, "extraction": { "at": "2026-07-17 02:08:59.459096+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 23, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Small Multiples", "slug": "small-multiples", "status": "active", "bestFor": null, "canonId": "019dd956-b32d-7586-b368-baa1dd388ed4", "version": 1, "bodyDocId": null, "description": "Repeating similar charts for comparison across categories or time", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "f3ce1bf6-f031-44cd-87dc-cc3860e135ef", "evidence": "The use of multiple bar charts to compare data across different time periods.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 02:08:59.520078+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 24, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Chartjunk Elimination", "slug": "chartjunk-elimination", "status": "active", "bestFor": null, "canonId": "019dd956-b49e-7453-ab01-b60f338eeda1", "version": 1, "bodyDocId": null, "description": "Remove decorative elements that don't convey data: 3D effects, shadows, unnecessary gridlines", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "340c572e-6e9d-497f-8ccf-eacba8e59bfa", "evidence": "Line chart showing delinquency rates from July to March for FY 2019-2025, with rates ranging from 1.0% to 4.0%.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:50.114089+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 26, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Data-Ink Ratio", "slug": "data-ink-ratio", "status": "active", "bestFor": null, "canonId": "019dd956-afc8-70da-b378-92834d36fde6", "version": 1, "bodyDocId": null, "description": "Maximize data, minimize non-data ink - remove chartjunk and decoration", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "3c38db67-29d1-4737-933d-d1ffb22ccad5", "evidence": "Line chart showing delinquency rates from July to March for FY 2019-2025, with rates ranging from 1.0% to 4.0%.", "pageRefs": null, "priority": "Core", "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:50.145924+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 26, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "1be6ba08-f24a-41bb-91a7-8301ca25c086", "evidence": "Table/data: 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 2", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.207822+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 27, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "635c9117-6838-4a3b-9639-fe087474af0f", "evidence": "Table/data: 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 2", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.270074+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 28, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Chartjunk Elimination", "slug": "chartjunk-elimination", "status": "active", "bestFor": null, "canonId": "019dd956-b49e-7453-ab01-b60f338eeda1", "version": 1, "bodyDocId": null, "description": "Remove decorative elements that don't convey data: 3D effects, shadows, unnecessary gridlines", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "cede8393-da2f-4261-a5da-f5cdda94a21c", "evidence": "Chart/line: Affirm Delinquencies of 30+ days as % of Monthly Installment Loan Active Balances Ex-Peloton; 6.0%, 4.0%, 2.0%, -%; 12/31/2022, 3/31/2023, 6/30/2023, 9/30/2023, 12/31/2023, 3/31/2024, 6/30/2024, 9/30/2024, 12", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:50.331355+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 29, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Data-Ink Ratio", "slug": "data-ink-ratio", "status": "active", "bestFor": null, "canonId": "019dd956-afc8-70da-b378-92834d36fde6", "version": 1, "bodyDocId": null, "description": "Maximize data, minimize non-data ink - remove chartjunk and decoration", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "3607c28b-e3ba-4aea-8ec0-d3aa5cbe772c", "evidence": "Chart/line: Affirm Delinquencies of 30+ days as % of Monthly Installment Loan Active Balances Ex-Peloton; 6.0%, 4.0%, 2.0%, -%; 12/31/2022, 3/31/2023, 6/30/2023, 9/30/2023, 12/31/2023, 3/31/2024, 6/30/2024, 9/30/2024, 12", "pageRefs": null, "priority": "Core", "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:50.361995+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 29, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "9cd3a9d6-6c65-4d93-9b55-784237f48ff8", "evidence": "Table/data: Amortized Cost Basis of Loans Held for Investment by ITACS Score 96+ $ 2,211,085 $ 2,322,665 $ 2,689,847 $ 2,724,435 $ 3,010,413 $ 3,194,962 $ 3,631,572 $ 4,132,054 $ 4,468,075 94-96 900,297 905,258 1,112,832", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.423752+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 30, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "81951a1a-3f61-41df-ba5b-4a42bf3f7788", "evidence": "Table/data: Loans Held for Investment and Loans Held for Sale (2) $ 5,246,747 $ 1,346,806 $ 114,951 $ 11,196 $ 326 $ 45 $ 6,720,071 Current period charge-offs (12,971) (123,701) (5,641) (441) (77) (81) (142,912) Current", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.483867+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 31, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Chartjunk Elimination", "slug": "chartjunk-elimination", "status": "active", "bestFor": null, "canonId": "019dd956-b49e-7453-ab01-b60f338eeda1", "version": 1, "bodyDocId": null, "description": "Remove decorative elements that don't convey data: 3D effects, shadows, unnecessary gridlines", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "e7f03895-7265-468b-ab9f-bb71ac84dd73", "evidence": "Chart/bar-vertical: Allowance for Losses ($M) and Allowance % of Loans Held for Investment from FY Q2'23 to FY Q2'25", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:50.544885+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 32, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Data-Ink Ratio", "slug": "data-ink-ratio", "status": "active", "bestFor": null, "canonId": "019dd956-afc8-70da-b378-92834d36fde6", "version": 1, "bodyDocId": null, "description": "Maximize data, minimize non-data ink - remove chartjunk and decoration", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "a0c6d5f9-3fca-4c34-8dbf-024abc817900", "evidence": "Chart/bar-vertical: Allowance for Losses ($M) and Allowance % of Loans Held for Investment from FY Q2'23 to FY Q2'25", "pageRefs": null, "priority": "Core", "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:50.574988+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 32, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Chartjunk Elimination", "slug": "chartjunk-elimination", "status": "active", "bestFor": null, "canonId": "019dd956-b49e-7453-ab01-b60f338eeda1", "version": 1, "bodyDocId": null, "description": "Remove decorative elements that don't convey data: 3D effects, shadows, unnecessary gridlines", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "27b47a74-ee32-4e77-b439-3e4c9b9e7a73", "evidence": "Chart/bar-vertical: Last 12 Months Change in Allowance $262, $532, $(431), $364", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:50.667836+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 33, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Data-Ink Ratio", "slug": "data-ink-ratio", "status": "active", "bestFor": null, "canonId": "019dd956-afc8-70da-b378-92834d36fde6", "version": 1, "bodyDocId": null, "description": "Maximize data, minimize non-data ink - remove chartjunk and decoration", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "4052f80c-c1a8-4b25-96bd-896eaa78b56c", "evidence": "Chart/bar-vertical: Last 12 Months Change in Allowance $262, $532, $(431), $364", "pageRefs": null, "priority": "Core", "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:50.697949+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 33, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "14b78d78-e50c-4838-adde-266af7751bb5", "evidence": "Table/data: Last 12 Months Change in Allowance Quarter Ending March 31, 2024 June 30, 2024 September 30, 2024 December 31, 2024 12 Months Ending December 31, 2024 Beginning of Period Allowance $262 $289 $309 $351 $262 (+", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.637022+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 33, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Section divider", "slug": "section-divider", "status": "active", "bestFor": null, "canonId": "019dd9e1-4c66-707d-8d1f-6e14547134c7", "version": 1, "bodyDocId": null, "description": "A transitional slide marking the start of a new section.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "0cc28425-549e-48b5-bb00-fc0614645d37", "evidence": "Title/headline: Outlook", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.759964+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 34, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "List presentation", "slug": "list-presentation", "status": "active", "bestFor": null, "canonId": "019dd9e1-4ef7-777d-ba68-9074c2b3bcf1", "version": 1, "bodyDocId": null, "description": "Bulleted, numbered, or checklist enumerations.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "8277af8d-df7c-4752-bef5-d88113749818", "evidence": "List/bullet: Product and Go-to-Market Initiatives:", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.822268+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 35, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "ddb7aaef-270f-42a4-a027-463ece59157d", "evidence": "Table/data: GMV: Fiscal Q3 2025 $8.00 to $8.30 billion, Fiscal Q4 2025 $9.00 to $9.30 billion, Fiscal 2025 $34.74 to $35.34 billion", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.887347+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 36, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Section divider", "slug": "section-divider", "status": "active", "bestFor": null, "canonId": "019dd9e1-4c66-707d-8d1f-6e14547134c7", "version": 1, "bodyDocId": null, "description": "A transitional slide marking the start of a new section.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "7f166597-73d1-47f9-9f95-5434a3ecd96e", "evidence": "Title/headline: Financials", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.949126+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 37, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "04e5764e-072f-4ec8-8be4-fb8cc97ab119", "evidence": "Table showing interest income components over time", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:49.617692+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 38, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "List presentation", "slug": "list-presentation", "status": "active", "bestFor": null, "canonId": "019dd9e1-4ef7-777d-ba68-9074c2b3bcf1", "version": 1, "bodyDocId": null, "description": "Bulleted, numbered, or checklist enumerations.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "011b3aa9-5f94-4e78-93ea-df9c5a0f8296", "evidence": "list/bullet: Common Shares Outstanding, Plus: Balance of Options, Weighted Average Strike Price: $18.36", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 02:08:49.681415+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 39, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Section divider", "slug": "section-divider", "status": "active", "bestFor": null, "canonId": "019dd9e1-4c66-707d-8d1f-6e14547134c7", "version": 1, "bodyDocId": null, "description": "A transitional slide marking the start of a new section.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "ac72a13c-0c84-4203-af93-67184d5db308", "evidence": "title/headline: Reconciliations", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:49.77626+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 41, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "76ce8a8f-cf0f-4d45-b743-0b28949c0745", "evidence": "Table/data: Gross Merchandise Value ($M) from 5,658 to 10,146", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:49.839383+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 42, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "1ede4599-95fb-41d6-a381-db746239ec5a", "evidence": "Table/data: Gross Merchandise Value ($M) June 30, 2022: 15,483", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:49.903787+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 43, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "948f6fd7-dbef-418e-8f6f-682e81b01e07", "evidence": "Table/data: Income Statement Reconciliations ($K) Total Revenue Operating Expenses", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:49.970336+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 44, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "9c112754-cb1c-46f0-b8e9-2baeb0a7ad7c", "evidence": "Table/data: Income Statement Reconciliations ($K)", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.038484+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 45, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "7f01f38f-66f1-4d89-a8b1-4d9cb909b527", "evidence": "Table/data: Three Months Ended September 30, 2024 GAAP, D&A, Stock-Based Compensation Expense", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.100045+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 46, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "749daf80-e3df-4382-a2ae-427b47f2db09", "evidence": "Table/data: Three Months Ended March 31, 2024 GAAP, D&A, Stock-Based Compensation Expense", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.161441+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 47, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "27ad87b0-d567-4b48-b73c-9624c5851c1e", "evidence": "Table/data: Three Months Ended September 30, 2023 GAAP, D&A, Stock-Based Compensation Expense", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.225719+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 48, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "eea36729-d20e-4ef0-a462-1754f15ed030", "evidence": "Table/data: Three Months Ended March 31, 2023 GAAP, D&A, Stock-Based Compensation Expense", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.286415+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 49, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "cffb645a-390d-4db4-ba30-7a1a12a65dd1", "evidence": "table/data: Three Months Ended December 31, 2022", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:09:04.524971+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 50, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "2ea78c16-23f1-4d29-a8fa-c163020dcf02", "evidence": "table/data: Twelve Months Ended June 30, 2023", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:09:04.588844+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 51, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "b1cedeaa-84af-48a7-88fe-f9246f18de32", "evidence": "table/data: Twelve Months Ended June 30, 2022", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:09:04.652382+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 52, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "patterns": [] }, "storymakers": null, "score": null, "review": null, "activistThesis": null, "pitchdeck": { "metadata": null, "profile": null }, "slides": [ { "page": 1, "type": "setup", "function": "front_matter", "imagePath": "https://imgproxy.kitesheet.com/ezu9t-2gaLM_225verGXbzpraNfsSNjiSBWb2hZimVc/rs:fit:1200:1200:0/q:82/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy83Yzk3YTU2NmM5NDAyZTA4OTZlODJiN2QxNjMzNWFhZC9wMDAxLmpwZw", "rawType": "cover", "block": null, "metadata": { "slideType": "cover", "slideTypeCanon": { "name": "Cover", "slug": "cover", "status": "active", "canonId": "019de52d-05f2-729d-9f93-e0504f0a2410", "version": 1, "description": null }, "function": "front_matter", "functionCanon": { "name": "Front matter", "slug": "front_matter", "status": "active", "canonId": "019de52d-133d-73f0-9e26-201eda96b098", "version": 1, "description": null }, "density": "sparse", "densityScore": 10, "componentCount": 3, "textChars": 52, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:24.9+00", "seconds": 2.559, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/1", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-1", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.03, "w": 0.12, "x": 0.44, "y": 0.88 }, "kind": "image", "text": "affirm", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:24.9+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "39099234-3159-48f4-9115-4cadfe96b4be", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.21, "x": 0.395, "y": 0.66 }, "kind": "paragraph", "text": "February 6, 2025", "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": "2026-05-01 23:01:24.9+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c4700b54-d08b-499f-a3c4-a8943bff2d27", "parentComponentId": null }, { "bbox": { "h": 0.22, "w": 0.588, "x": 0.206, "y": 0.39 }, "kind": "title", "text": "FY Q2 2025 Earnings Supplement", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:24.9+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0018ed07-e15a-4d6b-a18d-b52617ed663e", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Slide recipe: Cover", "slug": "cover-slide", "status": "active", "bestFor": null, "canonId": "019df269-2a08-767d-9128-e7431e6fe8a3", "version": 1, "bodyDocId": "019df269-29e5-7738-b5fa-6892e5dc8e65", "description": "The first ten seconds. Build it deliberately.", "familyLabel": "slide-recipe", "categoryName": "Slide", "categorySlug": "slide" }, "agent": "designer", "layer": "slide", "agents": [ "designer" ], "matchId": "34f17f70-0acc-420f-92aa-f5cc26aff91e", "evidence": "This is a cover slide with title, date and logo.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:47.474268+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 1, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 4, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 1, "name": "Problem", "beatId": "8d849478-d82d-4653-99a2-40f39a9f0f01", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Problem", "slug": "sequoia-pitch-problem", "status": "active", "canonId": "019dd9b8-1ed4-767b-8e05-40e733bd2311", "version": 1, "description": null }, "evidence": "The presentation starts with an overview of Affirm's mission and business highlights", "position": 0, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "thumbSrc": "https://imgproxy.kitesheet.com/q2Sxy05Y6mJa8zBf8fDS7ElxJ2K-EiXYY2yJuNHc2ek/rs:fit:480:480:0/q:78/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy83Yzk3YTU2NmM5NDAyZTA4OTZlODJiN2QxNjMzNWFhZC9wMDAxLmpwZw", "imagePathAlt": "https://imgproxy.kitesheet.com/nq6wFD-dFp7DN2-OqicQOSUHt2PlOgK2V6TNKd_riWA/rs:fit:1200:1200:0/q:82/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy83Yzk3YTU2NmM5NDAyZTA4OTZlODJiN2QxNjMzNWFhZC9wMDAxLnBuZw", "thumbSrcAlt": "https://imgproxy.kitesheet.com/mzwAEA07YEGlrjXcjQmd9EfBfi5A6CxEgvPu4WLN6NE/rs:fit:480:480:0/q:78/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy83Yzk3YTU2NmM5NDAyZTA4OTZlODJiN2QxNjMzNWFhZC9wMDAxLnBuZw" }, { "page": 2, "type": "setup", "function": "front_matter", "rawType": "disclaimer", "block": null, "metadata": { "slideType": "disclaimer", "slideTypeCanon": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "019de52d-0801-727b-b98a-5ed095aeee78", "version": 1, "description": null }, "function": "front_matter", "functionCanon": { "name": "Front matter", "slug": "front_matter", "status": "active", "canonId": "019de52d-133d-73f0-9e26-201eda96b098", "version": 1, "description": null }, "density": "dense", "densityScore": 67, "componentCount": 5, "textChars": 6715, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:31.663+00", "seconds": 9.153, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/2", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-2", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.21, "w": 0.931, "x": 0.034, "y": 0.12 }, "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 involve 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 partnerships with certain key merchant partners and commerce platforms as well as its engagement with existing and prospective originating bank partners and card issuing bank partners; the development, innovation, introduction and performance of, and demand for, the Company's products, including Affirm Card; the Company's ability to execute on its initiatives; the Company's ability to maintain funding sources to support its business; acquisition and retention of merchant partners, commerce platforms and consumers; the Company's future growth, investments, network expansion, 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 Company'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 materially different from any future results, performance or achievements expressed or implied by the forward-looking statements.", "attrs": {}, "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": "2026-05-01 23:01:31.663+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "96305f25-71db-423d-a1a1-58fba47aae28", "parentComponentId": null }, { "bbox": { "h": 0.26, "w": 0.931, "x": 0.034, "y": 0.67 }, "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 financial measures: revenue less transaction costs, revenue less transaction costs as a percentage of GMV, adjusted operating income (loss) and adjusted operating margin. We also present certain operating expenses on a non-GAAP basis, as well as those non-GAAP operating expenses as a percentage of GAAP total revenue. Definitions of each non-GAAP financial measure and reconciliations of each historical non-GAAP financial measure with the most directly comparable GAAP financial measure are included in this presentation. However, a reconciliation of adjusted operating income (loss) to the comparable GAAP measure is not available on a forward-looking basis without unreasonable effort due to the uncertainty regarding, and the potential variability of, expenses that may be incurred in the future. Our management uses these non-GAAP financial measures in conjunction with financial measures prepared in accordance with GAAP for planning purposes, including the preparation of our annual operating budget, as a measure of our operating results and the effectiveness of our business strategy, and in evaluating our financial performance. However, non-GAAP financial information is presented for supplemental informational purposes only, and our use of these non-GAAP financial measures has limitations as an analytical tool. Accordingly, you should not consider these non-GAAP financial measures in isolation or as substitutes for analysis of our financial results as reported under GAAP, and these non-GAAP measures should be considered along with other operating and financial performance measures presented in accordance with GAAP. Investors are encouraged to review the related GAAP financial measures and the reconciliations of these non-GAAP financial measures to their most directly comparable GAAP financial measures and not rely on any single financial measure to evaluate our business.", "attrs": {}, "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": "2026-05-01 23:01:31.663+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c145298f-861b-4634-b72c-95a1e89dd840", "parentComponentId": null }, { "bbox": { "h": 0.319, "w": 0.931, "x": 0.034, "y": 0.341 }, "kind": "paragraph", "text": "Risks, uncertainties and assumptions include factors relating to: the Company's need to attract additional merchant partners, commerce platforms and consumers and retain and grow its relationships with existing merchant partners, commerce platforms and consumers; the highly competitive and evolving nature of its industry; its need to maintain a consistently high level of consumer satisfaction and trust in its brand; the concentration of a large percentage of its revenue and GMV with a small number of merchant partners and commerce platforms; its ability to sustain its revenue growth rate or the growth rate of its related key operating metrics; its ability to successfully maintain its relationship with existing originating bank partners and card issuing bank partners and engage additional originating bank partners and card issuing bank partners; its ability to maintain, renew or replace its existing funding arrangements and build and grow new funding relationships; the impact of any of its existing funding sources becoming unwilling or unable to provide funding to it on terms acceptable to it, or at all; its ability to effectively underwrite loans facilitated through its platform and accurately price credit risk; the performance of loans facilitated through its platform; the impact of elevated market interest rates and corresponding negotiated interest rate spreads on its business; the terms of its securitizations, warehouse credit facilities and forward flow agreements; the impact on its business of general economic conditions, including the impact of inflation, ongoing recessionary concerns, the potential for more instability of financial institutions, the financial performance of its merchant partners and commerce platforms, and fluctuations in the U.S. consumer credit market; its ability to achieve sustained profitability in the future; its ability to grow effectively through acquisitions or other strategic investments or alliances; seasonal or other fluctuations in its revenue and GMV as a result of consumer spending patterns; pending and future litigation, regulatory actions and/or compliance issues; developments in its regulatory environment; its ability to continue to attract and retain highly skilled employees; and other risks that are described in its most recent Annual Report on Form 10-K, and in its other filings with the U.S. Securities and Exchange Commission. 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, investors 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 forward-looking statements.", "attrs": {}, "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": "2026-05-01 23:01:31.663+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c1fd8680-2b5d-4412-8c46-8babd9791a5f", "parentComponentId": null }, { "bbox": { "h": 0.016, "w": 0.008, "x": 0.963, "y": 0.933 }, "kind": "source-note", "text": "2", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:31.663+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1f5fbd13-b65e-4f18-aa4a-a4c952c99bb1", "parentComponentId": null }, { "bbox": { "h": 0.028, "w": 0.931, "x": 0.034, "y": 0.06 }, "kind": "title", "text": "Safe Harbor Statement/Use of Non-GAAP Financial Measures", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:31.663+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c5ef0b44-9174-4ee7-a70e-f5803603e561", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 4, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 1, "name": "Problem", "beatId": "8d849478-d82d-4653-99a2-40f39a9f0f01", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Problem", "slug": "sequoia-pitch-problem", "status": "active", "canonId": "019dd9b8-1ed4-767b-8e05-40e733bd2311", "version": 1, "description": null }, "evidence": "The presentation starts with an overview of Affirm's mission and business highlights", "position": 0, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 3, "type": "appendix", "function": "establish_context", "rawType": "other", "block": null, "metadata": { "slideType": "other", "slideTypeCanon": { "name": "Other (fallback)", "slug": "other", "status": "active", "canonId": "019de52d-0af5-71ed-83de-d51ae245fc43", "version": 1, "description": null }, "function": "establish_context", "functionCanon": { "name": "Establish context", "slug": "establish_context", "status": "active", "canonId": "019de52d-1314-74e6-9074-d213dc0bdcdf", "version": 1, "description": null }, "density": "sparse", "densityScore": 11, "componentCount": 3, "textChars": 69, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:26.273+00", "seconds": 2.541, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/3", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-3", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.04, "w": 0.099, "x": 0.85, "y": 0.89 }, "kind": "image", "text": "affirm", "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:26.273+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "78105ca5-210f-411a-b90a-f8ee184903b2", "parentComponentId": null }, { "bbox": { "h": 0.019, "w": 0.09, "x": 0.051, "y": 0.309 }, "kind": "paragraph", "text": "OUR MISSION", "attrs": {}, "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": "2026-05-01 23:01:26.273+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f28f5c88-012e-49c3-b228-b3ed09036196", "parentComponentId": null }, { "bbox": { "h": 0.302, "w": 0.537, "x": 0.051, "y": 0.356 }, "kind": "title", "text": "Deliver Honest Financial Products that Improve Lives", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:26.273+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "00dfd518-ac99-47de-a44b-153f0321a411", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 4, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 1, "name": "Problem", "beatId": "8d849478-d82d-4653-99a2-40f39a9f0f01", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Problem", "slug": "sequoia-pitch-problem", "status": "active", "canonId": "019dd9b8-1ed4-767b-8e05-40e733bd2311", "version": 1, "description": null }, "evidence": "The presentation starts with an overview of Affirm's mission and business highlights", "position": 0, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 4, "type": "setup", "function": "transition", "rawType": "section_divider", "block": null, "metadata": { "slideType": "section_divider", "slideTypeCanon": { "name": "Section divider", "slug": "section_divider", "status": "active", "canonId": "019de52d-066a-7402-9554-6ae504999041", "version": 1, "description": null }, "function": "transition", "functionCanon": { "name": "Transition", "slug": "transition", "status": "active", "canonId": "019de52d-1365-7149-92aa-66df859e75fd", "version": 1, "description": null }, "density": "sparse", "densityScore": 10, "componentCount": 3, "textChars": 53, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:27.473+00", "seconds": 2.899, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/4", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-4", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.05, "w": 0.09, "x": 0.85, "y": 0.87 }, "kind": "image", "text": "affirm logo", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:27.473+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0dd531de-9c38-4c3e-af45-c817730c80a6", "parentComponentId": null }, { "bbox": { "h": 0.2, "w": 0.64, "x": 0.05, "y": 0.41 }, "kind": "title", "text": "Operating & Financial Highlights", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:27.473+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d7ac4673-ac95-4a21-8079-d069c5f580d2", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.09, "x": 0.05, "y": 0.36 }, "kind": "title", "text": "FY Q2 2025", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Subtitle", "slug": "subtitle", "status": "active", "canonId": "019de52c-fb09-739d-900c-815b0d9ac526", "version": 1, "description": null }, "framework": null }, "subkind": "subtitle", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:27.473+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "060dcfa6-f541-4f26-ad7d-3774e4f4fd3d", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 4, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 1, "name": "Problem", "beatId": "8d849478-d82d-4653-99a2-40f39a9f0f01", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Problem", "slug": "sequoia-pitch-problem", "status": "active", "canonId": "019dd9b8-1ed4-767b-8e05-40e733bd2311", "version": 1, "description": null }, "evidence": "The presentation starts with an overview of Affirm's mission and business highlights", "position": 0, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 5, "type": "setup", "function": "summarize", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "dense", "densityScore": 74, "componentCount": 6, "textChars": 562, "nDataPoints": 16, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:30.609+00", "seconds": 5.678, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/5", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-5", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.74, "w": 0.208, "x": 0.299, "y": 0.139 }, "kind": "chart", "text": "ACTIVE CONSUMERS (M) (2) FY Q2'24 17.1 16% Growth FY Q2'25 21.0 23% Growth", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:30.609+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "22a3fd96-f20d-43bd-a1c2-97f4ac6dea7a", "parentComponentId": null }, { "bbox": { "h": 0.74, "w": 0.208, "x": 0.045, "y": 0.139 }, "kind": "chart", "text": "GROSS MERCHANDISE VOLUME ($B) FY Q2'24 $7.5 32% Growth FY Q2'25 $10.1 35% Growth", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:30.609+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8ecbfc17-bc8f-4471-b860-a2a66669dcf2", "parentComponentId": null }, { "bbox": { "h": 0.74, "w": 0.148, "x": 0.807, "y": 0.139 }, "kind": "chart", "text": "REVENUE ($M) FY Q2'24 $591 48% Growth FY Q2'25 $866 47% Growth", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:30.609+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "beb1212a-74ac-4e45-bd62-19084acf8940", "parentComponentId": null }, { "bbox": { "h": 0.74, "w": 0.208, "x": 0.553, "y": 0.139 }, "kind": "chart", "text": "TRANS. PER ACTIVE CONSUMER (2) FY Q2'24 4.5 24% Growth FY Q2'25 5.3 19% Growth", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:30.609+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ecd468bb-3f78-455f-a09b-512116c34fa7", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.869, "x": 0.086, "y": 0.94 }, "kind": "source-note", "text": "Notes:\n1. Metrics are unaudited\n2. Active consumer count excludes 0 and 556 thousand Returnly-only users from FYQ2 '25 and FYQ2 '24, respectively. Refer to slide 11 for active consumer historical trends with Returnly-only disaggregation.", "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:30.609+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fc09e042-e5af-407c-9b1e-aac0c5c52fa2", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.43, "x": 0.045, "y": 0.06 }, "kind": "title", "text": "Second Quarter FY'25 Highlights", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:30.609+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "875f8187-733b-4e33-a2ec-b4e16846b093", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 9, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 5, "name": "Market Size", "beatId": "346b82bb-7013-4225-9157-6e6c1d35fcc4", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Market Size", "slug": "sequoia-pitch-market-size", "status": "active", "canonId": "019dd9b8-20e6-729c-bc28-05442906d032", "version": 1, "description": null }, "evidence": "The presentation provides an overview of Affirm's GMV and business metrics", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 6, "type": "setup", "function": "transition", "rawType": "section_divider", "block": null, "metadata": { "slideType": "section_divider", "slideTypeCanon": { "name": "Section divider", "slug": "section_divider", "status": "active", "canonId": "019de52d-066a-7402-9554-6ae504999041", "version": 1, "description": null }, "function": "transition", "functionCanon": { "name": "Transition", "slug": "transition", "status": "active", "canonId": "019de52d-1365-7149-92aa-66df859e75fd", "version": 1, "description": null }, "density": "sparse", "densityScore": 9, "componentCount": 3, "textChars": 35, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:27.888+00", "seconds": 2.777, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/6", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-6", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.05, "w": 0.09, "x": 0.86, "y": 0.87 }, "kind": "image", "text": "affirm", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:27.888+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "58d634e0-6704-42d0-925b-57e9d300075f", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.08, "x": 0.05, "y": 0.42 }, "kind": "source-note", "text": "FY Q2 2025", "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:27.888+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "818941f4-5155-4ffc-8462-832109254513", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.57, "x": 0.05, "y": 0.47 }, "kind": "title", "text": "Business Highlights", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:27.888+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "02eeafa6-6812-4b59-a185-a12596675557", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 9, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 5, "name": "Market Size", "beatId": "346b82bb-7013-4225-9157-6e6c1d35fcc4", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Market Size", "slug": "sequoia-pitch-market-size", "status": "active", "canonId": "019dd9b8-20e6-729c-bc28-05442906d032", "version": 1, "description": null }, "evidence": "The presentation provides an overview of Affirm's GMV and business metrics", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 7, "type": "setup", "function": "quantify_opportunity", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "dense", "densityScore": 50, "componentCount": 4, "textChars": 428, "nDataPoints": 18, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:29.309+00", "seconds": 4.005, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/7", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-7", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.05, "w": 0.1, "x": 0.78, "y": 0.17 }, "kind": "callout", "text": "35% Growth", "attrs": {}, "canon": { "kind": { "name": "Callout", "slug": "callout", "status": "active", "canonId": "019de52c-f8d3-761a-8953-7d37080de5e2", "version": 1, "description": "Highlighted callout box." }, "tool": null, "subkind": { "name": "Primary callout", "slug": "primary", "status": "active", "canonId": "019de52c-fbd1-70eb-a9ce-8997f8674c1d", "version": 1, "description": null }, "framework": null }, "subkind": "primary", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:29.309+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1c092c64-6cae-4843-802f-a1d3bf2bac6a", "parentComponentId": null }, { "bbox": { "h": 0.58, "w": 0.77, "x": 0.11, "y": 0.26 }, "kind": "chart", "text": "GMV ($B) and AOV ($) from FY Q2'23 to FY Q2'25, showing GMV growth to $10.1B and AOV ranging from $267 to $323.", "attrs": { "series": [ { "data": [ 5.7, 4.6, 5.5, 5.6, 7.5, 6.3, 7.2, 7.6, 10.1 ], "name": "GMV ($B)" }, { "data": [ 307, 323, 317, 299, 287, 293, 293, 279, 267 ], "name": "AOV ($)" } ], "x_axis_label": "Fiscal Quarter", "y_axis_label": "Value" }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:29.309+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "cc9887ac-5598-4bb2-9a73-c0faa788aa05", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.77, "x": 0.1, "y": 0.92 }, "kind": "source-note", "text": "Notes:\n1. GMV defined as the total dollar amount of all transactions on the Affirm platform during the period, net of refunds\n2. Average Order Value (AOV) defined as GMV divided by the number of transactions conducted on the Affirm platform during the period\n3. Metrics are unaudited", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:29.309+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c73591be-773f-4859-9b86-9ce223864764", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.49, "x": 0.05, "y": 0.08 }, "kind": "title", "text": "Gross Merchandise Volume", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:29.309+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0111619e-efdb-4903-9927-3fe2cc7e5776", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 9, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 5, "name": "Market Size", "beatId": "346b82bb-7013-4225-9157-6e6c1d35fcc4", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Market Size", "slug": "sequoia-pitch-market-size", "status": "active", "canonId": "019dd9b8-20e6-729c-bc28-05442906d032", "version": 1, "description": null }, "evidence": "The presentation provides an overview of Affirm's GMV and business metrics", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 8, "type": "setup", "function": "summarize", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "dense", "densityScore": 71, "componentCount": 5, "textChars": 850, "nDataPoints": 20, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:31.784+00", "seconds": 5.435, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/8", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-8", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.58, "w": 0.475, "x": 0.045, "y": 0.18 }, "kind": "chart", "text": "Direct-to-Consumer GMV (1, 2) $845 million Affirm Card GMV +113% Growth FY Q2'23 - Q2'25 Affirm Marketplace ($M) Affirm Card ($M)", "attrs": {}, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Stacked bar chart", "slug": "bar-stacked", "status": "active", "canonId": "019de52c-feec-74bf-9028-15b74f84f0a7", "version": 1, "description": null }, "framework": null }, "subkind": "bar-stacked", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:31.784+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "652937d7-ed0f-4028-a636-5451bf205934", "parentComponentId": null }, { "bbox": { "h": 0.58, "w": 0.44, "x": 0.529, "y": 0.18 }, "kind": "chart", "text": "Affirm Card Active Consumers (3) 1.7 million Affirm Card Active Consumers +136% Growth FY Q2'23 - Q2'25", "attrs": {}, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Line chart", "slug": "line", "status": "active", "canonId": "019de52c-ff62-778f-8f6c-a952ceae8677", "version": 1, "description": null }, "framework": null }, "subkind": "line", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:31.784+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c6dc58bf-d61f-4c17-887b-7b9666fd7fe9", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.89, "x": 0.079, "y": 0.897 }, "kind": "list", "text": "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. 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.", "attrs": {}, "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": "2026-05-01 23:01:31.784+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "dca04922-4c76-47c5-a0be-fda619d531eb", "parentComponentId": null }, { "bbox": { "h": 0.016, "w": 0.008, "x": 0.97, "y": 0.93 }, "kind": "source-note", "text": "8", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:31.784+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fdf177cc-b0c9-4964-98fe-83dfe2390a09", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.609, "x": 0.045, "y": 0.047 }, "kind": "title", "text": "Affirm Direct-to-Consumer Business Highlights", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:31.784+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2313f079-13b1-478f-9d8a-5e5b05f1f549", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 9, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 5, "name": "Market Size", "beatId": "346b82bb-7013-4225-9157-6e6c1d35fcc4", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Market Size", "slug": "sequoia-pitch-market-size", "status": "active", "canonId": "019dd9b8-20e6-729c-bc28-05442906d032", "version": 1, "description": null }, "evidence": "The presentation provides an overview of Affirm's GMV and business metrics", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 9, "type": "setup", "function": "decompose_segments", "rawType": "segmentation", "block": null, "metadata": { "slideType": "segmentation", "slideTypeCanon": { "name": "Segmentation", "slug": "segmentation", "status": "active", "canonId": "019de52d-0917-75d5-9172-1b3b3c2f6400", "version": 1, "description": null }, "function": "decompose_segments", "functionCanon": { "name": "Decompose segments", "slug": "decompose_segments", "status": "active", "canonId": "019de52d-14f1-74f8-be75-beb0be1135ec", "version": 1, "description": null }, "density": "dense", "densityScore": 58, "componentCount": 4, "textChars": 761, "nDataPoints": 10, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:30.491+00", "seconds": 4.006, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/9", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-9", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.5, "w": 0.3, "x": 0.18, "y": 0.22 }, "kind": "chart", "text": "POS vs. Affirm¹ Transactions FY Q2 2025\n24% Affirm¹\n76% Point of Sale", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Donut chart", "slug": "donut", "status": "active", "canonId": "019de52d-0006-752c-9528-0fef476b8004", "version": 1, "description": null }, "framework": null }, "subkind": "donut", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:30.491+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "904b24d8-0a54-4f35-8741-24623a16bc55", "parentComponentId": null }, { "bbox": { "h": 0.5, "w": 0.3, "x": 0.58, "y": 0.22 }, "kind": "chart", "text": "Affirm Product Composition2,3 FY Q2 2025\n23% YoY Growth\n70% YoY Growth\n15% Pay in X (Short-Term 0% APR)\n13% Core 0% APR\n72% Interest-Bearing\n33% YoY Growth", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Donut chart", "slug": "donut", "status": "active", "canonId": "019de52d-0006-752c-9528-0fef476b8004", "version": 1, "description": null }, "framework": null }, "subkind": "donut", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:30.491+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9bbaad49-ec6d-4ef8-ae71-a7919da8b5e3", "parentComponentId": null }, { "bbox": { "h": 0.09, "w": 0.86, "x": 0.09, "y": 0.85 }, "kind": "source-note", "text": "Notes:\n1. Based on transactions initiated by Affirm through mobile app and website channels as well as Affirm Card\n2. 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\nthat have one to four 0% APR installments.\n3. Excludes Debit (non installment and non Pay in X transaction volume) from the Affirm Card product\n4. 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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:30.491+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "816d15ad-e831-45e2-97f7-7bf3940308c6", "parentComponentId": null }, { "bbox": { "h": 0.036, "w": 0.68, "x": 0.069, "y": 0.08 }, "kind": "title", "text": "Power Transactions Across Diverse Channels", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:30.491+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6f5f0fd3-2300-4824-81a6-818922dc6107", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 9, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 5, "name": "Market Size", "beatId": "346b82bb-7013-4225-9157-6e6c1d35fcc4", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Market Size", "slug": "sequoia-pitch-market-size", "status": "active", "canonId": "019dd9b8-20e6-729c-bc28-05442906d032", "version": 1, "description": null }, "evidence": "The presentation provides an overview of Affirm's GMV and business metrics", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 10, "type": "setup", "function": "decompose_segments", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "decompose_segments", "functionCanon": { "name": "Decompose segments", "slug": "decompose_segments", "status": "active", "canonId": "019de52d-14f1-74f8-be75-beb0be1135ec", "version": 1, "description": null }, "density": "dense", "densityScore": 57, "componentCount": 4, "textChars": 648, "nDataPoints": 16, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:30.672+00", "seconds": 4.032, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/10", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-10", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.67, "w": 0.63, "x": 0.12, "y": 0.22 }, "kind": "chart", "text": "FY Q2'25 Industry Gross Merchandise Volume Mix; General Merchandise 42%, Fashion / Beauty 15%, Travel / Ticketing 11%, Electronics 8%, Home / Lifestyle 6%, Equipment / Auto 5%, Sporting Goods and Outdoors 3%, Other 12%", "attrs": { "x_axis_label": "Category", "y_axis_label": "Volume Mix (%)" }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Horizontal bar chart", "slug": "bar-horizontal", "status": "active", "canonId": "019de52c-fec4-7221-986b-1cb5f5e84b1f", "version": 1, "description": null }, "framework": null }, "subkind": "bar-horizontal", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:30.672+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d01e29c0-f217-4c66-a80b-37b9699327cf", "parentComponentId": null }, { "bbox": { "h": 0.67, "w": 0.12, "x": 0.81, "y": 0.2 }, "kind": "chart", "text": "Category Volume Growth Q2 Year over Year % Change: General Merchandise +40%, Fashion / Beauty +20%, Travel / Ticketing +38%, Electronics +36%, Home / Lifestyle +14%, Equipment / Auto +29%, Sporting Goods and Outdoors (10)%, Other +57%", "attrs": { "x_axis_label": "Category", "y_axis_label": "Growth (%)" }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Dot plot", "slug": "dot", "status": "active", "canonId": "019de52d-0235-738b-bd2b-78f8e24d7cb0", "version": 1, "description": null }, "framework": null }, "subkind": "dot", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:30.672+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0c8828e9-f168-40b4-8729-df864ffe89ec", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.61, "x": 0.086, "y": 0.928 }, "kind": "source-note", "text": "Notes: 1. Metrics are unaudited 2. Excludes volume from transactions facilitated through Affirm virtual card and Affirm Card at non-integrated merchants", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:30.672+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "49c8d5af-f46c-49f8-950f-dd1cb44c4c82", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.69, "x": 0.069, "y": 0.08 }, "kind": "title", "text": "Partnerships Across Wide Range of Categories", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:30.672+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "93bafd2b-9b5f-44de-9354-92cefda8e28b", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 19, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 10, "name": "Solution", "beatId": "b41b4ef3-61f0-421d-adcf-154132afa164", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Solution", "slug": "sequoia-pitch-solution", "status": "active", "canonId": "019dd9b8-1fb1-71d9-a260-07738d7f9c2f", "version": 1, "description": null }, "evidence": "The presentation outlines Affirm's diversified channels and partnerships", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", "version": 1, "description": "The pivot — solution proposed, catalyst introduced, decision made. Common (15/20 arcs) but not universal: Triple-take, AIDA, PAS, Voyage-return and Pixar substitute it with a strong reflection or development beat." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 11, "type": "setup", "function": "quantify_opportunity", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "dense", "densityScore": 64, "componentCount": 4, "textChars": 1368, "nDataPoints": 30, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:32.063+00", "seconds": 5.229, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/11", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-11", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.51, "w": 0.736, "x": 0.136, "y": 0.19 }, "kind": "chart", "text": "19% Growth, 23% ex-Returnly; 22% Transactions per Active Consumer Growth", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Stacked bar chart", "slug": "bar-stacked", "status": "active", "canonId": "019de52c-feec-74bf-9028-15b74f84f0a7", "version": 1, "description": null }, "framework": null }, "subkind": "bar-stacked", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:32.063+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1332bc9d-ebd1-498a-9731-1d4380ec17d9", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.569, "x": 0.216, "y": 0.748 }, "kind": "list", "text": "Affirm Active Consumers (M)\nReturnly Active Consumers (M)\nTransactions per Active Consumer", "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": "2026-05-01 23:01:32.063+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a15dfc2f-8e77-414b-8f87-b8863f6a6609", "parentComponentId": null }, { "bbox": { "h": 0.135, "w": 0.866, "x": 0.086, "y": 0.823 }, "kind": "source-note", "text": "Notes:\n1. 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.\n2. 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.\n3. 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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:32.063+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1c605ac8-1939-48e5-8a78-3b4caf3b8e1d", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.304, "x": 0.046, "y": 0.077 }, "kind": "title", "text": "Active Consumers", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:32.063+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c534a605-cf3c-4402-849a-318244237588", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 19, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 10, "name": "Solution", "beatId": "b41b4ef3-61f0-421d-adcf-154132afa164", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Solution", "slug": "sequoia-pitch-solution", "status": "active", "canonId": "019dd9b8-1fb1-71d9-a260-07738d7f9c2f", "version": 1, "description": null }, "evidence": "The presentation outlines Affirm's diversified channels and partnerships", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", "version": 1, "description": "The pivot — solution proposed, catalyst introduced, decision made. Common (15/20 arcs) but not universal: Triple-take, AIDA, PAS, Voyage-return and Pixar substitute it with a strong reflection or development beat." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 12, "type": "setup", "function": "quantify_opportunity", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "dense", "densityScore": 71, "componentCount": 6, "textChars": 451, "nDataPoints": 24, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:32.936+00", "seconds": 5.226, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/12", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-12", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.056, "w": 0.076, "x": 0.446, "y": 0.16 }, "kind": "callout", "text": "46% Growth", "attrs": null, "canon": { "kind": { "name": "Callout", "slug": "callout", "status": "active", "canonId": "019de52c-f8d3-761a-8953-7d37080de5e2", "version": 1, "description": "Highlighted callout box." }, "tool": null, "subkind": { "name": "Primary callout", "slug": "primary", "status": "active", "canonId": "019de52c-fbd1-70eb-a9ce-8997f8674c1d", "version": 1, "description": null }, "framework": null }, "subkind": "primary", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:32.936+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b56999bc-a9a3-4d19-93bd-97fb1abdbb17", "parentComponentId": null }, { "bbox": { "h": 0.056, "w": 0.139, "x": 0.765, "y": 0.12 }, "kind": "callout", "text": "93% Repeat Customers", "attrs": null, "canon": { "kind": { "name": "Callout", "slug": "callout", "status": "active", "canonId": "019de52c-f8d3-761a-8953-7d37080de5e2", "version": 1, "description": "Highlighted callout box." }, "tool": null, "subkind": { "name": "Primary callout", "slug": "primary", "status": "active", "canonId": "019de52c-fbd1-70eb-a9ce-8997f8674c1d", "version": 1, "description": null }, "framework": null }, "subkind": "primary", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:32.936+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e4515412-d2a1-45a8-afc4-bcccd0b8f221", "parentComponentId": null }, { "bbox": { "h": 0.61, "w": 0.78, "x": 0.11, "y": 0.19 }, "kind": "chart", "text": "Stacked bar chart showing quarterly transactions from FY Q2'23 to FY Q2'25, segmented into Repeat Customer Transactions and First Time Customer Transactions.", "attrs": { "series_names": [ "Repeat Customer Transactions (M)", "First Time Customer Transactions (M)" ], "x_axis_label": "Fiscal Quarter", "y_axis_label": "Transactions (M)" }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Stacked bar chart", "slug": "bar-stacked", "status": "active", "canonId": "019de52c-feec-74bf-9028-15b74f84f0a7", "version": 1, "description": null }, "framework": null }, "subkind": "bar-stacked", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:32.936+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "24f9e102-654a-4045-97db-be61a1188ae4", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.59, "x": 0.199, "y": 0.836 }, "kind": "legend", "text": "Repeat Customer Transactions (M)\nFirst Time Customer Transactions (M)", "attrs": null, "canon": { "kind": { "name": "Legend", "slug": "legend", "status": "active", "canonId": "31361933-3d22-4c70-bbad-0801e9fffc0c", "version": 1, "description": "Color/symbol decoder placed adjacent to a chart or diagram." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:32.936+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8dd7b19b-9ce0-464e-a0e0-3d1879747945", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.59, "x": 0.093, "y": 0.896 }, "kind": "list", "text": "Notes:\n1. Metrics are unaudited\n2. Includes transactions from legacy Returnly business in all quarters through FY Q1'24; excludes Returnly transactions beginning in FY Q2'24", "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": "2026-05-01 23:01:32.936+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a4766233-86f2-46f5-adc5-136320aaefbc", "parentComponentId": null }, { "bbox": { "h": 0.049, "w": 0.39, "x": 0.045, "y": 0.11 }, "kind": "title", "text": "Quarterly Transactions", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:32.936+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "edb1a950-977a-48de-9203-4ac8141089aa", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 19, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 10, "name": "Solution", "beatId": "b41b4ef3-61f0-421d-adcf-154132afa164", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Solution", "slug": "sequoia-pitch-solution", "status": "active", "canonId": "019dd9b8-1fb1-71d9-a260-07738d7f9c2f", "version": 1, "description": null }, "evidence": "The presentation outlines Affirm's diversified channels and partnerships", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", "version": 1, "description": "The pivot — solution proposed, catalyst introduced, decision made. Common (15/20 arcs) but not universal: Triple-take, AIDA, PAS, Voyage-return and Pixar substitute it with a strong reflection or development beat." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 13, "type": "setup", "title": "Metrics are unaudited.", "function": "quantify_opportunity", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "dense", "densityScore": 65, "componentCount": 6, "textChars": 336, "nDataPoints": 27, "notes": "Metrics are unaudited.", "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:33.087+00", "seconds": 4.961, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/13", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-13", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.05, "w": 0.08, "x": 0.44, "y": 0.19 }, "kind": "callout", "text": "21% Growth", "attrs": {}, "canon": { "kind": { "name": "Callout", "slug": "callout", "status": "active", "canonId": "019de52c-f8d3-761a-8953-7d37080de5e2", "version": 1, "description": "Highlighted callout box." }, "tool": null, "subkind": { "name": "Primary callout", "slug": "primary", "status": "active", "canonId": "019de52c-fbd1-70eb-a9ce-8997f8674c1d", "version": 1, "description": null }, "framework": null }, "subkind": "primary", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:33.087+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3907d431-c7b1-44a0-b64a-6e79382a0dbf", "parentComponentId": null }, { "bbox": { "h": 0.09, "w": 0.14, "x": 0.76, "y": 0.13 }, "kind": "callout", "text": "25% Growth in Merchants with > $1k TTM GMV", "attrs": {}, "canon": { "kind": { "name": "Callout", "slug": "callout", "status": "active", "canonId": "019de52c-f8d3-761a-8953-7d37080de5e2", "version": 1, "description": "Highlighted callout box." }, "tool": null, "subkind": { "name": "Primary callout", "slug": "primary", "status": "active", "canonId": "019de52c-fbd1-70eb-a9ce-8997f8674c1d", "version": 1, "description": null }, "framework": null }, "subkind": "primary", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:33.087+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3e122897-0125-4450-a416-a7e39974dbf9", "parentComponentId": null }, { "bbox": { "h": 0.51, "w": 0.705, "x": 0.13, "y": 0.33 }, "kind": "chart", "text": "243, 246, 254, 266, 279, 292, 303, 323, 337 (Total Merchants); 90, 92, 96, 103, 109, 117, 123, 129, 136 (> $1,000 TTM GMV (K)); 153, 153, 158, 163, 170, 176, 180, 194, 201 (<= $1,000 TTM GMV (K))", "attrs": {}, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Stacked bar chart (100%)", "slug": "bar-stacked-100pct", "status": "active", "canonId": "019de52c-ff14-71b8-8d88-860f8d7da84b", "version": 1, "description": null }, "framework": null }, "subkind": "bar-stacked-100pct", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:33.087+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "163ebc75-84fb-4340-9178-cd7ade1b4e3f", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.37, "x": 0.31, "y": 0.83 }, "kind": "legend", "text": "> $1,000 TTM GMV (K)\n<= $1,000 TTM GMV (K)", "attrs": {}, "canon": { "kind": { "name": "Legend", "slug": "legend", "status": "active", "canonId": "31361933-3d22-4c70-bbad-0801e9fffc0c", "version": 1, "description": "Color/symbol decoder placed adjacent to a chart or diagram." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:33.087+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "98bb54b3-9669-48be-ae29-fd84a09970f6", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.16, "x": 0.092, "y": 0.905 }, "kind": "source-note", "text": "Notes:\n1. Metrics are unaudited", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:33.087+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7ce50aaa-0642-43ad-a996-42b0554fdc1c", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.39, "x": 0.044, "y": 0.112 }, "kind": "title", "text": "Active Merchants", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:33.087+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e9b97c4b-9cd2-40f3-8f04-820bd8e64ee1", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 19, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 10, "name": "Solution", "beatId": "b41b4ef3-61f0-421d-adcf-154132afa164", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Solution", "slug": "sequoia-pitch-solution", "status": "active", "canonId": "019dd9b8-1fb1-71d9-a260-07738d7f9c2f", "version": 1, "description": null }, "evidence": "The presentation outlines Affirm's diversified channels and partnerships", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", "version": 1, "description": "The pivot — solution proposed, catalyst introduced, decision made. Common (15/20 arcs) but not universal: Triple-take, AIDA, PAS, Voyage-return and Pixar substitute it with a strong reflection or development beat." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 14, "type": "setup", "function": "quantify_opportunity", "rawType": "revenue_buildup", "block": null, "metadata": { "slideType": "revenue_buildup", "slideTypeCanon": { "name": "Revenue buildup", "slug": "revenue_buildup", "status": "active", "canonId": "019de52d-0acd-70b8-a81d-62d89840409b", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "balanced", "densityScore": 33, "componentCount": 4, "textChars": 134, "nDataPoints": 18, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:33.25+00", "seconds": 5.016, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/14", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-14", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.57, "w": 0.69, "x": 0.19, "y": 0.28 }, "kind": "chart", "text": "Revenue ($M) and % of GMV for FY Q2'23 to FY Q2'25, showing a 47% growth.", "attrs": { "series": [ { "data": [ 400, 381, 446, 497, 591, 576, 659, 698, 866 ], "name": "Revenue ($M)", "type": "bar" }, { "data": [ 7.1, 8.2, 8.1, 8.8, 7.9, 9.2, 9.1, 9.2, 8.5 ], "name": "% of GMV", "type": "line" } ], "chart_type": "bar-line", "x_axis_label": "Fiscal Quarter", "y_axis_label": "Revenue ($M) / % of GMV" }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:33.25+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3a8dcc5a-20f9-40c5-b565-1c21a4dfab58", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.23, "x": 0.37, "y": 0.84 }, "kind": "legend", "text": "Revenue ($M) — % of GMV", "attrs": {}, "canon": { "kind": { "name": "Legend", "slug": "legend", "status": "active", "canonId": "31361933-3d22-4c70-bbad-0801e9fffc0c", "version": 1, "description": "Color/symbol decoder placed adjacent to a chart or diagram." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:33.25+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3def1d58-f83f-4f05-b996-157e4299b5d4", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.13, "x": 0.08, "y": 0.93 }, "kind": "source-note", "text": "Notes: 1. Metrics are unaudited", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:33.25+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "14b361b1-045c-4ecd-b042-96cb15af5127", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.12, "x": 0.05, "y": 0.11 }, "kind": "title", "text": "Revenue", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:33.25+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "35912d26-8802-4a74-ab1b-11c2db4b9b75", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "2x2 matrix", "slug": "matrix-2x2", "status": "active", "bestFor": null, "canonId": "019dd9e1-50ab-72d1-8afb-3ab0a38e32a8", "version": 1, "bodyDocId": null, "description": "BCG matrix, importance/urgency, any axes-and-quadrants frame.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "a861164a-efc5-4382-bb5b-f51a08a25c80", "evidence": "No clear 2x2 matrix visible.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.5, "extraction": { "at": "2026-07-17 02:08:58.942049+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 14, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Waterfall chart", "slug": "waterfall-chart", "status": "active", "bestFor": null, "canonId": "e2799da3-725f-44a9-a093-570f1f388e64", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "ae796c62-6471-4eac-951f-3c2b2bcb8934", "evidence": "chart/waterfall: Quarter Ending December 31, 2024: Net Income ($87) to Adjusted Operating Income ($238) with various adjustments.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:58.911657+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 14, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 19, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 10, "name": "Solution", "beatId": "b41b4ef3-61f0-421d-adcf-154132afa164", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Solution", "slug": "sequoia-pitch-solution", "status": "active", "canonId": "019dd9b8-1fb1-71d9-a260-07738d7f9c2f", "version": 1, "description": null }, "evidence": "The presentation outlines Affirm's diversified channels and partnerships", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", "version": 1, "description": "The pivot — solution proposed, catalyst introduced, decision made. Common (15/20 arcs) but not universal: Triple-take, AIDA, PAS, Voyage-return and Pixar substitute it with a strong reflection or development beat." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 15, "type": "analysis", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 62, "componentCount": 4, "textChars": 883, "nDataPoints": 40, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:33.98+00", "seconds": 4.297, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/15", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-15", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.6, "w": 0.89, "x": 0.045, "y": 0.23 }, "kind": "chart", "text": "Line chart showing merchant fee rates for Core 0% Long, Core 0% Short, Core IB, and Pay in X from FY Q2'23 to FY Q2'25.", "attrs": { "series_names": [ "Core 0% Long", "Core 0% Short", "Core IB", "Pay in X" ], "x_axis_label": "Fiscal Quarter", "y_axis_label": "Percentage" }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Line chart", "slug": "line", "status": "active", "canonId": "019de52c-ff62-778f-8f6c-a952ceae8677", "version": 1, "description": null }, "framework": null }, "subkind": "line", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:33.98+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c21c2929-c9c9-43b9-b92b-dbf1001d0764", "parentComponentId": null }, { "bbox": { "h": 0.09, "w": 0.83, "x": 0.085, "y": 0.86 }, "kind": "list", "text": "Notes:\n1. Includes lending transactions with Affirm integrated merchants in the US only\n2. 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\n3. 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\n4. Metrics are unaudited", "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": "2026-05-01 23:01:33.98+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4f7841e2-4e42-4294-8f84-25ec66c9cfec", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.36, "x": 0.045, "y": 0.11 }, "kind": "title", "text": "Merchant Fee Rates", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:33.98+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6fa97154-4b01-4946-98ff-c164bd483e3c", "parentComponentId": null }, { "bbox": { "h": 0.016, "w": 0.89, "x": 0.045, "y": 0.158 }, "kind": "title", "text": "Illustrative merchant fees, transaction fees, and virtual card network fees divided by product level GMV", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Subtitle", "slug": "subtitle", "status": "active", "canonId": "019de52c-fb09-739d-900c-815b0d9ac526", "version": 1, "description": null }, "framework": null }, "subkind": "subtitle", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:33.98+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "874b622a-ae0f-4bcd-80ee-cef8ff2ff279", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 19, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 10, "name": "Solution", "beatId": "b41b4ef3-61f0-421d-adcf-154132afa164", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Solution", "slug": "sequoia-pitch-solution", "status": "active", "canonId": "019dd9b8-1fb1-71d9-a260-07738d7f9c2f", "version": 1, "description": null }, "evidence": "The presentation outlines Affirm's diversified channels and partnerships", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", "version": 1, "description": "The pivot — solution proposed, catalyst introduced, decision made. Common (15/20 arcs) but not universal: Triple-take, AIDA, PAS, Voyage-return and Pixar substitute it with a strong reflection or development beat." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 16, "type": "analysis", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 73, "componentCount": 5, "textChars": 907, "nDataPoints": 108, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:35.732+00", "seconds": 4.934, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/16", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-16", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.59, "w": 0.45, "x": 0.05, "y": 0.19 }, "kind": "chart", "text": "Interest Income Composition; FY Q2'23 - FY Q2'25; Consumer & Other Interest Income ($M), Amortization of Discount ($M), Amortization of Discount as % of Total Interest Income", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Stacked bar chart", "slug": "bar-stacked", "status": "active", "canonId": "019de52c-feec-74bf-9028-15b74f84f0a7", "version": 1, "description": null }, "framework": null }, "subkind": "bar-stacked", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:35.732+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6800af08-37c8-4e7e-8ad6-8ddd38d38990", "parentComponentId": null }, { "bbox": { "h": 0.59, "w": 0.45, "x": 0.5, "y": 0.19 }, "kind": "chart", "text": "Composition of Average Loans Held for Investment (\"LHFI\"); FY Q2'23 - FY Q2'25; Avg. Interest Bearing LHFI Balance ($M), Avg. 0% APR LHFI Balance ($M), 0% APR Balance % of Avg LHFI", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Stacked bar chart", "slug": "bar-stacked", "status": "active", "canonId": "019de52c-feec-74bf-9028-15b74f84f0a7", "version": 1, "description": null }, "framework": null }, "subkind": "bar-stacked", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:35.732+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ae7f32fe-25d1-4615-95fc-974f8e4d1ec9", "parentComponentId": null }, { "bbox": { "h": 0.07, "w": 0.8, "x": 0.09, "y": 0.9 }, "kind": "list", "text": "Notes:\n1. 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 consists primarily of interest charged to consumers over the term of the consumers' loans based on the principal outstanding\n2. 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\n3. Metrics are unaudited", "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": "2026-05-01 23:01:35.732+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1b32369e-f7e8-47bc-afb7-d88b8864eed9", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.02, "x": 0.95, "y": 0.93 }, "kind": "source-note", "text": "16", "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:35.732+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7b7e5e0d-3f58-4040-9d1e-480689465b18", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.89, "x": 0.05, "y": 0.08 }, "kind": "title", "text": "Interest Income and Loans Held for Investment Composition", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:35.732+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fca629bf-1b4b-4e4c-b07e-3d3e02709286", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Chartjunk Elimination", "slug": "chartjunk-elimination", "status": "active", "bestFor": null, "canonId": "019dd956-b49e-7453-ab01-b60f338eeda1", "version": 1, "bodyDocId": null, "description": "Remove decorative elements that don't convey data: 3D effects, shadows, unnecessary gridlines", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "90d0deb8-acdf-4113-8662-5e56c197185b", "evidence": "The use of clear and simple charts to display data.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:59.032647+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 16, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 19, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 10, "name": "Solution", "beatId": "b41b4ef3-61f0-421d-adcf-154132afa164", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Solution", "slug": "sequoia-pitch-solution", "status": "active", "canonId": "019dd9b8-1fb1-71d9-a260-07738d7f9c2f", "version": 1, "description": null }, "evidence": "The presentation outlines Affirm's diversified channels and partnerships", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", "version": 1, "description": "The pivot — solution proposed, catalyst introduced, decision made. Common (15/20 arcs) but not universal: Triple-take, AIDA, PAS, Voyage-return and Pixar substitute it with a strong reflection or development beat." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 17, "type": "analysis", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 69, "componentCount": 5, "textChars": 648, "nDataPoints": 36, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:37.558+00", "seconds": 6.572, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/17", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-17", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.62, "w": 0.47, "x": 0.045, "y": 0.19 }, "kind": "chart", "text": "Transaction Costs ($M) and % of GMV from FY Q2'23 to FY Q2'25, showing an increase in costs from $255M to $447M, with % of GMV fluctuating between 4.4% and 5.5%.", "attrs": { "series_names": [ "Transaction Costs ($M)", "% of GMV" ], "x_axis_labels": [ "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 Q2'25" ], "y_axis_labels": [ "$255", "$214", "$264", "$284", "$349", "$345", "$350", "$413", "$447" ] }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:37.558+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "bad0730b-6146-4d13-ad7b-60ae90c9ecfc", "parentComponentId": null }, { "bbox": { "h": 0.62, "w": 0.47, "x": 0.52, "y": 0.19 }, "kind": "chart", "text": "Transaction Costs ex-Provision ($M) and % of GMV from FY Q2'23 to FY Q2'25, showing an increase in costs from $149M to $294M, with % of GMV fluctuating between 2.6% and 3.5%.", "attrs": { "series_names": [ "Transaction Costs ex-Provision ($M)", "% of GMV" ], "x_axis_labels": [ "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 Q2'25" ], "y_axis_labels": [ "$149", "$148", "$169", "$184", "$228", "$223", "$232", "$254", "$294" ] }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:37.558+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e242de79-c378-4369-8cf2-07cf33aefc50", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.03, "x": 0.045, "y": 0.92 }, "kind": "image", "text": "affirm logo", "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:37.558+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3ea27702-3b24-4f88-ac19-ca47f20fcd4f", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.49, "x": 0.08, "y": 0.91 }, "kind": "list", "text": "Notes:\n1. Transaction Costs include Loss on loan purchase commitment, Provision for credit losses, Funding costs and Processing and servicing\n2. Transaction Costs ex-Provision include Loss on loan purchase commitment, Funding costs and Processing and servicing\n3. Metrics are unaudited", "attrs": {}, "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": "2026-05-01 23:01:37.558+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1ad1bece-b483-452b-8253-8b309118532a", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.22, "x": 0.045, "y": 0.11 }, "kind": "title", "text": "Transaction Costs", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:37.558+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5a462ab9-63b9-4a11-ac74-ad62d4b34f37", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Before-After-Bridge", "slug": "before-after-bridge", "status": "active", "bestFor": null, "canonId": "019dd956-8604-7188-883f-42370288ad05", "version": 1, "bodyDocId": null, "description": "Narrative structure: Paint the before, show the after, explain the bridge", "familyLabel": null, "categoryName": "Block", "categorySlug": "block" }, "agent": "Storyteller", "layer": "slide", "agents": [ "Storyteller" ], "matchId": "7a227a74-bbd0-470e-9f03-83694de8da5e", "evidence": "The chart shows a change in costs from $149M to $294M.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.6, "extraction": { "at": "2026-07-17 02:08:59.09288+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 17, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 19, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 10, "name": "Solution", "beatId": "b41b4ef3-61f0-421d-adcf-154132afa164", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Solution", "slug": "sequoia-pitch-solution", "status": "active", "canonId": "019dd9b8-1fb1-71d9-a260-07738d7f9c2f", "version": 1, "description": null }, "evidence": "The presentation outlines Affirm's diversified channels and partnerships", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", "version": 1, "description": "The pivot — solution proposed, catalyst introduced, decision made. Common (15/20 arcs) but not universal: Triple-take, AIDA, PAS, Voyage-return and Pixar substitute it with a strong reflection or development beat." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 18, "type": "analysis", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 72, "componentCount": 5, "textChars": 802, "nDataPoints": 40, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:36.61+00", "seconds": 5.586, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/18", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-18", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.62, "w": 0.46, "x": 0.049, "y": 0.199 }, "kind": "chart", "text": "Revenue Less Transaction Costs: FY Q2'23 $144, 2.5%; FY Q3'23 $167, 3.6%; FY Q4'23 $182, 3.3%; FY Q1'24 $212, 3.8%; FY Q2'24 $242, 3.2%; FY Q3'24 $231, 3.7%; FY Q4'24 $309, 4.3%; FY Q1'25 $285, 3.8%; FY Q2'25 $419, 4.1%. YoY growth 73%.", "attrs": {}, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:36.61+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "82976b37-4ee0-4264-8fe4-29068cedb705", "parentComponentId": null }, { "bbox": { "h": 0.62, "w": 0.46, "x": 0.519, "y": 0.199 }, "kind": "chart", "text": "Revenue Less Transaction Costs ex-Provision: FY Q2'23 $251, 4.4%; FY Q3'23 $233, 5.0%; FY Q4'23 $277, 5.0%; FY Q1'24 $312, 5.6%; FY Q2'24 $363, 4.8%; FY Q3'24 $353, 5.6%; FY Q4'24 $427, 5.9%; FY Q1'25 $445, 5.9%; FY Q2'25 $572, 5.6%. YoY growth 58%.", "attrs": {}, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:36.61+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e2dbe5f7-4b33-414d-8001-1e68ee9178c6", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.47, "x": 0.084, "y": 0.89 }, "kind": "list", "text": "Notes:\n1. Transaction Costs include Loss on loan purchase commitment, Provision for credit losses, Funding costs and Processing and servicing\n2. Transaction Costs ex-Provision include Loss on loan purchase commitment, Funding costs and Processing and servicing\n3. Metrics are unaudited", "attrs": {}, "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": "2026-05-01 23:01:36.61+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2a6ad7f1-7402-4369-bef2-342aa95702b3", "parentComponentId": null }, { "bbox": { "h": 0.017, "w": 0.016, "x": 0.953, "y": 0.935 }, "kind": "source-note", "text": "18", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:36.61+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "79e45d5a-e822-4827-836a-a8f380fb6442", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.419, "x": 0.045, "y": 0.11 }, "kind": "title", "text": "Revenue Less Transaction Costs", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:36.61+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "06987e0d-877c-4c93-8cdd-6972220ecd03", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Small Multiples", "slug": "small-multiples", "status": "active", "bestFor": null, "canonId": "019dd956-b32d-7586-b368-baa1dd388ed4", "version": 1, "bodyDocId": null, "description": "Repeating similar charts for comparison across categories or time", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "e725bc4a-30bc-4e5e-9f6c-82e95400d324", "evidence": "The use of multiple bar charts to compare data across different time periods.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 02:08:59.154848+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 18, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 19, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 10, "name": "Solution", "beatId": "b41b4ef3-61f0-421d-adcf-154132afa164", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Solution", "slug": "sequoia-pitch-solution", "status": "active", "canonId": "019dd9b8-1fb1-71d9-a260-07738d7f9c2f", "version": 1, "description": null }, "evidence": "The presentation outlines Affirm's diversified channels and partnerships", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", "version": 1, "description": "The pivot — solution proposed, catalyst introduced, decision made. Common (15/20 arcs) but not universal: Triple-take, AIDA, PAS, Voyage-return and Pixar substitute it with a strong reflection or development beat." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 19, "type": "analysis", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 91, "componentCount": 9, "textChars": 740, "nDataPoints": 108, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:38.213+00", "seconds": 6.174, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/19", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-19", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.01, "w": 0.29, "x": 0.06, "y": 0.21 }, "kind": "chart", "text": "Technology & Data Analytics", "attrs": {}, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Stacked bar chart", "slug": "bar-stacked", "status": "active", "canonId": "019de52c-feec-74bf-9028-15b74f84f0a7", "version": 1, "description": null }, "framework": null }, "subkind": "bar-stacked", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:38.213+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "317df48a-33d7-456a-bc64-4834e7bb6366", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.19, "x": 0.45, "y": 0.21 }, "kind": "chart", "text": "Sales and Marketing", "attrs": {}, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Stacked bar chart", "slug": "bar-stacked", "status": "active", "canonId": "019de52c-feec-74bf-9028-15b74f84f0a7", "version": 1, "description": null }, "framework": null }, "subkind": "bar-stacked", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:38.213+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "755910ca-70fb-4e90-85f0-a15706e9247c", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.27, "x": 0.71, "y": 0.21 }, "kind": "chart", "text": "General and Administrative", "attrs": {}, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Stacked bar chart", "slug": "bar-stacked", "status": "active", "canonId": "019de52c-feec-74bf-9028-15b74f84f0a7", "version": 1, "description": null }, "framework": null }, "subkind": "bar-stacked", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:38.213+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "aba96d02-21c2-487c-8145-e877acbe8a61", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.04, "x": 0.04, "y": 0.93 }, "kind": "image", "text": "affirm", "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:38.213+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4e8d3f0b-7497-49b7-890d-b0473ea032cd", "parentComponentId": null }, { "bbox": { "h": 0.07, "w": 0.27, "x": 0.72, "y": 0.81 }, "kind": "list", "text": "% of Revenue - GAAP\n% of Revenue - Non-GAAP\nGeneral and Administrative - GAAP ($M)\nGeneral and Adminstrative - Non-GAAP($M)", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:38.213+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "cfdc59c9-e8b9-41f4-9634-08121b88b947", "parentComponentId": null }, { "bbox": { "h": 0.07, "w": 0.27, "x": 0.08, "y": 0.81 }, "kind": "list", "text": "% of Revenue - GAAP\n% of Revenue - Non-GAAP\nTechnology & Data Analytics - GAAP ($M)\nTechnology & Data Analytics - Non-GAAP($M)", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:38.213+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d1eb52c2-7d50-4c2a-9dd9-b1afacb11529", "parentComponentId": null }, { "bbox": { "h": 0.07, "w": 0.27, "x": 0.42, "y": 0.81 }, "kind": "list", "text": "% of Revenue - GAAP\n% of Revenue - Non-GAAP\nSales and Marketing - GAAP ($M)\nSales and Marketing - Non-GAAP($M)", "attrs": {}, "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": "2026-05-01 23:01:38.213+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ee74f1a6-1bb2-44ea-9773-b1177ebc6ae7", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.87, "x": 0.08, "y": 0.91 }, "kind": "source-note", "text": "Notes:\n1. 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\n2. Metrics are unaudited", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:38.213+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "214c7f72-a726-4d4c-a7a7-9ce679489398", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.34, "x": 0.049, "y": 0.09 }, "kind": "title", "text": "Operating Expenses", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:38.213+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f3c6a388-e8c3-458a-9e36-79211fcd68ad", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "List presentation", "slug": "list-presentation", "status": "active", "bestFor": null, "canonId": "019dd9e1-4ef7-777d-ba68-9074c2b3bcf1", "version": 1, "bodyDocId": null, "description": "Bulleted, numbered, or checklist enumerations.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "2ea69600-9817-45f7-aa9a-9d132f5059fd", "evidence": "The use of bullet points to list notes and details.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:59.216023+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 19, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 19, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 10, "name": "Solution", "beatId": "b41b4ef3-61f0-421d-adcf-154132afa164", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Solution", "slug": "sequoia-pitch-solution", "status": "active", "canonId": "019dd9b8-1fb1-71d9-a260-07738d7f9c2f", "version": 1, "description": null }, "evidence": "The presentation outlines Affirm's diversified channels and partnerships", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", "version": 1, "description": "The pivot — solution proposed, catalyst introduced, decision made. Common (15/20 arcs) but not universal: Triple-take, AIDA, PAS, Voyage-return and Pixar substitute it with a strong reflection or development beat." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 20, "type": "analysis", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 70, "componentCount": 5, "textChars": 719, "nDataPoints": 36, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:37.115+00", "seconds": 4.974, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/20", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-20", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.57, "w": 0.45, "x": 0.51, "y": 0.249 }, "kind": "chart", "text": "Adjusted Operating Income / (Loss) FY Q2'23 - Q2'25, Adj. Operating Income / (Loss) ($M), Adj. Op Margin", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:37.115+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8806cee5-3f42-44f2-b53b-5c6844d354e2", "parentComponentId": null }, { "bbox": { "h": 0.57, "w": 0.45, "x": 0.045, "y": 0.249 }, "kind": "chart", "text": "GAAP Operating Income / (Loss) FY Q2'23 - Q2'25, Operating Income / (Loss) ($M), Operating Margin", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:37.115+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d5317737-f92b-43ed-b289-7e2f5e55c11d", "parentComponentId": null }, { "bbox": { "h": 0.025, "w": 0.86, "x": 0.103, "y": 0.85 }, "kind": "list", "text": "Operating Income / (Loss) ($M)\nOperating Margin\nAdj. Operating Income / (Loss) ($M)\nAdj. Op Margin", "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": "2026-05-01 23:01:37.115+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "436afda7-23de-428a-9fae-d62b426e1608", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.88, "x": 0.08, "y": 0.905 }, "kind": "source-note", "text": "Notes:\n1. 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\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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:37.115+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6be35d73-0bc7-469d-bb7d-9fda26295fc0", "parentComponentId": null }, { "bbox": { "h": 0.039, "w": 0.69, "x": 0.045, "y": 0.11 }, "kind": "title", "text": "GAAP and Adj. Operating Income / (Loss)", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:37.115+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "77513470-e8d2-402f-9edd-89d8ef5c73c6", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Chart Selection Guide", "slug": "chart-selection-guide", "status": "active", "bestFor": null, "canonId": "019dd956-b1a0-700b-ba17-0e16c4d5bcae", "version": 1, "bodyDocId": null, "description": "Choosing the right chart type for your data and message", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "f4518c65-b012-4a64-afe9-619566adaa5b", "evidence": "The use of bar charts to display operating income and loss data.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.6, "extraction": { "at": "2026-07-17 02:08:59.276633+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 20, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 36, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 20, "name": "Financials", "beatId": "47c38b1c-e527-427a-936e-301f12e940ec", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Financials", "slug": "sequoia-pitch-financials", "status": "active", "canonId": "019dd9b8-245d-74ce-8a5e-8094ec926a75", "version": 1, "description": null }, "evidence": "The presentation provides detailed financial results and outlook", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 21, "type": "setup", "function": "decompose_segments", "rawType": "revenue_buildup", "block": null, "metadata": { "slideType": "revenue_buildup", "slideTypeCanon": { "name": "Revenue buildup", "slug": "revenue_buildup", "status": "active", "canonId": "019de52d-0acd-70b8-a81d-62d89840409b", "version": 1, "description": null }, "function": "decompose_segments", "functionCanon": { "name": "Decompose segments", "slug": "decompose_segments", "status": "active", "canonId": "019de52d-14f1-74f8-be75-beb0be1135ec", "version": 1, "description": null }, "density": "dense", "densityScore": 62, "componentCount": 4, "textChars": 889, "nDataPoints": 72, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:38.33+00", "seconds": 5.986, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/21", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-21", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.359, "w": 0.929, "x": 0.04, "y": 0.109 }, "kind": "chart", "text": "Quarter Ending December 31, 2024: Net Income ($87) to Adjusted Operating Income ($238) with various adjustments. 12 Months Ending December 31, 2024: Net Income ($179) to Adjusted Operating Income ($596) with various adjustments.", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Waterfall chart", "slug": "waterfall", "status": "active", "canonId": "019de52d-002e-733e-b5cf-dd3beb6692cc", "version": 1, "description": null }, "framework": null }, "subkind": "waterfall", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:38.33+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "867b83f8-1157-486b-9260-ca655c46b3e7", "parentComponentId": null }, { "bbox": { "h": 0.066, "w": 0.806, "x": 0.08, "y": 0.909 }, "kind": "source-note", "text": "Notes:\n1. Dollars in millions\n2. 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\n3. 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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:38.33+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ccc22f17-1283-4c10-8a15-18d79148f40d", "parentComponentId": null }, { "bbox": { "h": 0.37, "w": 0.929, "x": 0.04, "y": 0.508 }, "kind": "table", "text": "Table showing Net Income (Loss) and various adjustments leading to Adjusted Operating Income (Loss) for March 31, June 30, September 30, December 31, 2024 quarters and 12 Months Ending December 31, 2024.", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:38.33+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5ad40606-7941-486f-9ba9-1555f81dd985", "parentComponentId": null }, { "bbox": { "h": 0.035, "w": 0.709, "x": 0.047, "y": 0.047 }, "kind": "title", "text": "Net Income to Adjusted Operating Income Reconciliation", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:38.33+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "af201dba-9cd6-4024-885d-6c743c43e5fd", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Waterfall chart", "slug": "waterfall-chart", "status": "active", "bestFor": null, "canonId": "e2799da3-725f-44a9-a093-570f1f388e64", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "c6b1bafe-9aa2-4ee1-819b-0b2c7c39054b", "evidence": "chart/waterfall: Quarter Ending December 31, 2024: Net Income ($87) to Adjusted Operating Income ($238) with various adjustments.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:59.337982+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 21, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 36, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 20, "name": "Financials", "beatId": "47c38b1c-e527-427a-936e-301f12e940ec", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Financials", "slug": "sequoia-pitch-financials", "status": "active", "canonId": "019dd9b8-245d-74ce-8a5e-8094ec926a75", "version": 1, "description": null }, "evidence": "The presentation provides detailed financial results and outlook", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 22, "type": "setup", "title": "Metrics are unaudited.", "function": "quantify_opportunity", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "dense", "densityScore": 66, "componentCount": 4, "textChars": 2959, "nDataPoints": 63, "notes": "Metrics are unaudited.", "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:40.95+00", "seconds": 7.58, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/22", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-22", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.55, "w": 0.73, "x": 0.139, "y": 0.19 }, "kind": "chart", "text": "FY Q2'23: On Balance Sheet (non-securitized) $2.3B, On Balance Sheet (securitized) $1.4B, Off Balance Sheet (non-securitized) $4.1B, Off Balance Sheet (securitized) $0.6B, Total $8.4B, Equity Capital Req % Platform 5%; FY Q3'23: On Balance Sheet (non-securitized) $1.9B, On Balance Sheet (securitized) $1.9B, Off Balance Sheet (non-securitized) $3.8B, Off Balance Sheet (securitized) $0.5B, Total $8.2B, Equity Capital Req % Platform 5%; FY Q4'23: On Balance Sheet (non-securitized) $2.2B, On Balance Sheet (securitized) $2.3B, Off Balance Sheet (non-securitized) $3.9B, Off Balance Sheet (securitized) $0.4B, Total $8.7B, Equity Capital Req % Platform 5%; FY Q1'24: On Balance Sheet (non-securitized) $2.1B, On Balance Sheet (securitized) $2.5B, Off Balance Sheet (non-securitized) $4.2B, Off Balance Sheet (securitized) $0.3B, Total $9.0B, Equity Capital Req % Platform 5%; FY Q2'24: On Balance Sheet (non-securitized) $2.4B, On Balance Sheet (securitized) $2.9B, Off Balance Sheet (non-securitized) $4.8B, Off Balance Sheet (securitized) $0.6B, Total $10.6B, Equity Capital Req % Platform 6%; FY Q3'24: On Balance Sheet (non-securitized) $2.1B, On Balance Sheet (securitized) $3.4B, Off Balance Sheet (non-securitized) $4.4B, Off Balance Sheet (securitized) $0.4B, Total $10.4B, Equity Capital Req % Platform 6%; FY Q4'24: On Balance Sheet (non-securitized) $2.3B, On Balance Sheet (securitized) $3.4B, Off Balance Sheet (non-securitized) $4.4B, Off Balance Sheet (securitized) $0.9B, Total $11.0B, Equity Capital Req % Platform 5%; FY Q1'25: On Balance Sheet (non-securitized) $2.2B, On Balance Sheet (securitized) $4.1B, Off Balance Sheet (non-securitized) $4.7B, Off Balance Sheet (securitized) $0.7B, Total $11.8B, Equity Capital Req % Platform 5%; FY Q2'25: On Balance Sheet (non-securitized) $2.6B, On Balance Sheet (securitized) $4.2B, Off Balance Sheet (non-securitized) $6.8B, Off Balance Sheet (securitized) $0.5B, Total $14.0B, Equity Capital Req % Platform 5%", "attrs": { "chart_type": "stacked bar chart with line" }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Stacked bar chart", "slug": "bar-stacked", "status": "active", "canonId": "019de52c-feec-74bf-9028-15b74f84f0a7", "version": 1, "description": null }, "framework": null }, "subkind": "bar-stacked", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:40.95+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "88afa395-ded2-472a-bb8d-6f226e8792ce", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.46, "x": 0.25, "y": 0.79 }, "kind": "list", "text": "On Balance Sheet (non-securitized) ($B)\nOff Balance Sheet (non-securitized) ($B)\nEquity Capital Req % Platform\nOn Balance Sheet (securitized) ($B)\nOff Balance Sheet (securitized) ($B)", "attrs": {}, "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": "2026-05-01 23:01:40.95+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "099e044b-e6dc-49e6-8ea0-3db095e7217d", "parentComponentId": null }, { "bbox": { "h": 0.1, "w": 0.71, "x": 0.08, "y": 0.87 }, "kind": "source-note", "text": "Notes:\nOn Balance Sheet (Non-Securitized) includes Loans Pledged as Collateral in warehouse financing vehicles or held by Affirm and consolidated on Affirm's balance sheet\nOn Balance Sheet (Securitized) includes Loans Pledged as Collateral in securitizations and consolidated on Affirm's balance sheet\nOff Balance Sheet includes Loans Held by Third Parties and not consolidated on Affirm's balance sheet\nOff Balance Sheet (Securitized) includes Loans Pledged as Collateral in securitizations and not consolidated on Affirm's balance sheet\nEquity 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\nMetrics are unaudited", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:40.95+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1d67c1d8-662f-4b57-adc9-c45db2f5c02b", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.56, "x": 0.045, "y": 0.11 }, "kind": "title", "text": "Platform Portfolio and Funding Mix", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:40.95+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "09c8f20c-1e1a-4906-93ae-3a3a08b4591c", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "2x2 matrix", "slug": "matrix-2x2", "status": "active", "bestFor": null, "canonId": "019dd9e1-50ab-72d1-8afb-3ab0a38e32a8", "version": 1, "bodyDocId": null, "description": "BCG matrix, importance/urgency, any axes-and-quadrants frame.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "03c9be65-7d12-4678-89ae-ef4136208710", "evidence": "No clear 2x2 matrix visible.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.5, "extraction": { "at": "2026-07-17 02:08:59.3984+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 22, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 36, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 20, "name": "Financials", "beatId": "47c38b1c-e527-427a-936e-301f12e940ec", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Financials", "slug": "sequoia-pitch-financials", "status": "active", "canonId": "019dd9b8-245d-74ce-8a5e-8094ec926a75", "version": 1, "description": null }, "evidence": "The presentation provides detailed financial results and outlook", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 23, "type": "analysis", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 65, "componentCount": 5, "textChars": 523, "nDataPoints": 20, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:38.468+00", "seconds": 5.062, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/23", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-23", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.5, "w": 0.88, "x": 0.07, "y": 0.35 }, "kind": "chart", "text": "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 Q2'25", "attrs": { "x_axis_label": "Fiscal Quarter", "y_axis_label": "Months" }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Grouped bar chart", "slug": "bar-grouped", "status": "active", "canonId": "019de52c-ff3b-751e-a8ff-f21ff11097b1", "version": 1, "description": null }, "framework": null }, "subkind": "bar-grouped", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:38.468+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "80f718d3-fac9-4613-8144-fd9c70e82bcb", "parentComponentId": null }, { "bbox": { "h": 0.046, "w": 0.704, "x": 0.085, "y": 0.915 }, "kind": "list", "text": "Total Platform Portfolio includes loans owned by Affirm and third parties, on balance sheet portfolio includes loans owned by Affirm\nExcludes loans made internationally via Affirm or legacy Paybright business and excludes Returnly transactions\nMetrics are unaudited", "attrs": {}, "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": "2026-05-01 23:01:38.468+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a13da3f7-11fa-4437-a139-3bb99b5e41f2", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.038, "x": 0.085, "y": 0.901 }, "kind": "source-note", "text": "Notes:", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:38.468+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4e04c9bc-38a7-402d-898c-43cfa1309c46", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.899, "x": 0.045, "y": 0.19 }, "kind": "subtitle", "text": "Weighted average remaining term of Total and On Balance Sheet Platform Portfolio (in months), as of quarter-end date", "attrs": {}, "canon": { "kind": { "name": "Subtitle", "slug": "subtitle", "status": "active", "canonId": "82d821ee-2793-42e7-8f16-c6131385a3ce", "version": 1, "description": "Header-zone supporting text near the title (= ex body.description with bbox)." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:38.468+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d70ec076-96df-421f-a15b-b2e82b6a2074", "parentComponentId": null }, { "bbox": { "h": 0.035, "w": 0.629, "x": 0.045, "y": 0.114 }, "kind": "title", "text": "Platform Portfolio Loans - Remaining Term Length", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:38.468+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d03bc843-b0a8-4168-82ad-dbde67291245", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Chart Selection Guide", "slug": "chart-selection-guide", "status": "active", "bestFor": null, "canonId": "019dd956-b1a0-700b-ba17-0e16c4d5bcae", "version": 1, "bodyDocId": null, "description": "Choosing the right chart type for your data and message", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "5a7b1e42-607f-4775-9f26-3d7c4b42aba9", "evidence": "The use of bar charts to display platform portfolio loans data.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.6, "extraction": { "at": "2026-07-17 02:08:59.459096+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 23, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 36, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 20, "name": "Financials", "beatId": "47c38b1c-e527-427a-936e-301f12e940ec", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Financials", "slug": "sequoia-pitch-financials", "status": "active", "canonId": "019dd9b8-245d-74ce-8a5e-8094ec926a75", "version": 1, "description": null }, "evidence": "The presentation provides detailed financial results and outlook", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 24, "type": "setup", "function": "quantify_opportunity", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 81, "componentCount": 6, "textChars": 1151, "nDataPoints": 18, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:39.525+00", "seconds": 5.913, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/24", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-24", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.09, "w": 0.21, "x": 0.757, "y": 0.102 }, "kind": "callout", "text": "Partnership signed in December resulting in $4 billion in unutilized capacity as of 12/31/2024.", "attrs": {}, "canon": { "kind": { "name": "Callout", "slug": "callout", "status": "active", "canonId": "019de52c-f8d3-761a-8953-7d37080de5e2", "version": 1, "description": "Highlighted callout box." }, "tool": null, "subkind": { "name": "Primary callout", "slug": "primary", "status": "active", "canonId": "019de52c-fbd1-70eb-a9ce-8997f8674c1d", "version": 1, "description": null }, "framework": null }, "subkind": "primary", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:39.525+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9937e6d6-d5f3-437c-8503-c820be8bbc8d", "parentComponentId": null }, { "bbox": { "h": 0.6, "w": 0.71, "x": 0.14, "y": 0.23 }, "kind": "chart", "text": "FY Q2'23 $10.5, 80%; FY Q3'23 $11.4, 71%; FY Q4'23 $11.7, 75%; FY Q1'24 $13.1, 69%; FY Q2'24 $15.5, 69%; FY Q3'24 $15.6, 66%; FY Q4'24 $16.1, 69%; FY Q1'25 $16.8, 70%; FY Q2'25 $22.6, 62%", "attrs": { "series_names": [ "Funding Capacity ($B)", "Total Platform Portfolio % of Funding Capacity" ], "x_axis_labels": [ "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 Q2'25" ], "y_axis_labels": [ "$10.5", "$11.4", "$11.7", "$13.1", "$15.5", "$15.6", "$16.1", "$16.8", "$22.6" ] }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:39.525+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6702f919-0ad7-49cc-afab-366341b38fdf", "parentComponentId": null }, { "bbox": { "h": 0.013, "w": 0.12, "x": 0.085, "y": 0.91 }, "kind": "list", "text": "Metrics are unaudited", "attrs": {}, "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": "2026-05-01 23:01:39.525+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4cec8d44-d9e3-4126-b58d-614cf1901ccb", "parentComponentId": null }, { "bbox": { "h": 0.017, "w": 0.018, "x": 0.936, "y": 0.936 }, "kind": "source-note", "text": "24", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:39.525+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7eebefec-5fd0-460d-8796-a338102f7188", "parentComponentId": null }, { "bbox": { "h": 0.046, "w": 0.835, "x": 0.085, "y": 0.929 }, "kind": "subtitle", "text": "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 purchase or financing of loans. For certain committed forward flow loan sale agreements, the stated funding capacity reflects the maximum outstanding unpaid principal balance at a point in time for loans sold under the agreement, subject to meeting certain conditions which may not have yet been satisfied as of the measurement date. 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.", "attrs": {}, "canon": { "kind": { "name": "Subtitle", "slug": "subtitle", "status": "active", "canonId": "82d821ee-2793-42e7-8f16-c6131385a3ce", "version": 1, "description": "Header-zone supporting text near the title (= ex body.description with bbox)." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:39.525+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "581f7ac5-c421-4ced-890b-95f685e91d9f", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.34, "x": 0.047, "y": 0.106 }, "kind": "title", "text": "Funding Capacity", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:39.525+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "aa186867-d4af-4600-add2-6e4725eaa308", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Small Multiples", "slug": "small-multiples", "status": "active", "bestFor": null, "canonId": "019dd956-b32d-7586-b368-baa1dd388ed4", "version": 1, "bodyDocId": null, "description": "Repeating similar charts for comparison across categories or time", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "f3ce1bf6-f031-44cd-87dc-cc3860e135ef", "evidence": "The use of multiple bar charts to compare data across different time periods.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 02:08:59.520078+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 24, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 36, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 20, "name": "Financials", "beatId": "47c38b1c-e527-427a-936e-301f12e940ec", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Financials", "slug": "sequoia-pitch-financials", "status": "active", "canonId": "019dd9b8-245d-74ce-8a5e-8094ec926a75", "version": 1, "description": null }, "evidence": "The presentation provides detailed financial results and outlook", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 25, "type": "analysis", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 59, "componentCount": 5, "textChars": 420, "nDataPoints": 7, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:39.599+00", "seconds": 5.245, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/25", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-25", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.51, "w": 0.76, "x": 0.118, "y": 0.34 }, "kind": "chart", "text": "Line chart showing delinquency rates from 2019 to 2025, with percentages on the y-axis and months on the x-axis.", "attrs": { "series": [ "FY 2019", "FY 2020", "FY 2021", "FY 2022", "FY 2023", "FY 2024", "FY 2025" ], "x_axis_label": "Month", "y_axis_label": "%" }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Line chart", "slug": "line", "status": "active", "canonId": "019de52c-ff62-778f-8f6c-a952ceae8677", "version": 1, "description": null }, "framework": null }, "subkind": "line", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:39.599+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "efc144d9-649a-40c1-8dae-7e8e65240a54", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.04, "x": 0.043, "y": 0.92 }, "kind": "image", "text": "affirm logo", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:39.599+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d0834b3c-edc4-4705-889b-eb2b71566b4f", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.54, "x": 0.088, "y": 0.918 }, "kind": "source-note", "text": "Notes:\n1. Data as of October 2024\n2. US loans only, excludes Pay in X (formerly known as Split Pay) loan transactions with 0% APR and 4-8 week term lengths\n3. 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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:39.599+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "86c08ab6-a095-484f-96a8-9f0f6d53ca02", "parentComponentId": null }, { "bbox": { "h": 0.016, "w": 0.67, "x": 0.204, "y": 0.25 }, "kind": "subtitle", "text": "Delinquencies (DQ) of 30+ days as % of Active Balances Excluding Pay in X Loans", "attrs": null, "canon": { "kind": { "name": "Subtitle", "slug": "subtitle", "status": "active", "canonId": "82d821ee-2793-42e7-8f16-c6131385a3ce", "version": 1, "description": "Header-zone supporting text near the title (= ex body.description with bbox)." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:39.599+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "60109090-1076-4885-ba70-f3499a0a6ded", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.62, "x": 0.043, "y": 0.11 }, "kind": "title", "text": "Delinquency Performance: Monthly DQ30+", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:39.599+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b28fc682-63c7-4570-998f-5e684d2c33c2", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 36, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 20, "name": "Financials", "beatId": "47c38b1c-e527-427a-936e-301f12e940ec", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Financials", "slug": "sequoia-pitch-financials", "status": "active", "canonId": "019dd9b8-245d-74ce-8a5e-8094ec926a75", "version": 1, "description": null }, "evidence": "The presentation provides detailed financial results and outlook", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [ { "to": 29, "from": 25, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null }, "matchId": "b009c88f-77e7-4f38-a9de-ecb84b99f767", "evidence": "The presentation compares Affirm's delinquency performance to other consumer lenders", "position": 0, "objective": "Highlight the importance of Affirm's lending approach", "confidence": 0.6, "extraction": { "at": "2026-07-17 03:31:24.913172+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 26, "type": "analysis", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 54, "componentCount": 4, "textChars": 468, "nDataPoints": 120, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:41.274+00", "seconds": 5.192, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/26", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-26", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.501, "w": 0.78, "x": 0.11, "y": 0.349 }, "kind": "chart", "text": "Line chart showing delinquency rates from July to March for FY 2019-2025, with rates ranging from 1.0% to 4.0%.", "attrs": { "series": [ "FY 2019", "FY 2022", "FY 2024", "FY 2023", "FY 2020", "FY 2021", "FY 2025" ], "x_axis_label": "Month", "y_axis_label": "%" }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Line chart", "slug": "line", "status": "active", "canonId": "019de52c-ff62-778f-8f6c-a952ceae8677", "version": 1, "description": null }, "framework": null }, "subkind": "line", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:41.274+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "79416371-400e-47f4-8897-66337a002405", "parentComponentId": null }, { "bbox": { "h": 0.045, "w": 0.688, "x": 0.085, "y": 0.92 }, "kind": "source-note", "text": "Notes:\n1. Data as of October 2024\n2. 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\n3. 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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:41.274+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "68bd8ad6-8cbf-41b6-9775-e47a95962868", "parentComponentId": null }, { "bbox": { "h": 0.014, "w": 0.679, "x": 0.16, "y": 0.259 }, "kind": "subtitle", "text": "Delinquencies (DQ) of 30+ days as % of Active Balances Excluding Pay in X and Peloton Loans", "attrs": null, "canon": { "kind": { "name": "Subtitle", "slug": "subtitle", "status": "active", "canonId": "82d821ee-2793-42e7-8f16-c6131385a3ce", "version": 1, "description": "Header-zone supporting text near the title (= ex body.description with bbox)." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:41.274+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "82e925df-86af-480b-b777-f3c52500cabb", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.669, "x": 0.034, "y": 0.11 }, "kind": "title", "text": "Delinquency Performance: Monthly DQ30+ ex-Peloton", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:41.274+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6bb8fecf-f74b-4271-8793-e6feaf43de7e", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Chartjunk Elimination", "slug": "chartjunk-elimination", "status": "active", "bestFor": null, "canonId": "019dd956-b49e-7453-ab01-b60f338eeda1", "version": 1, "bodyDocId": null, "description": "Remove decorative elements that don't convey data: 3D effects, shadows, unnecessary gridlines", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "340c572e-6e9d-497f-8ccf-eacba8e59bfa", "evidence": "Line chart showing delinquency rates from July to March for FY 2019-2025, with rates ranging from 1.0% to 4.0%.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:50.114089+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 26, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Data-Ink Ratio", "slug": "data-ink-ratio", "status": "active", "bestFor": null, "canonId": "019dd956-afc8-70da-b378-92834d36fde6", "version": 1, "bodyDocId": null, "description": "Maximize data, minimize non-data ink - remove chartjunk and decoration", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "3c38db67-29d1-4737-933d-d1ffb22ccad5", "evidence": "Line chart showing delinquency rates from July to March for FY 2019-2025, with rates ranging from 1.0% to 4.0%.", "pageRefs": null, "priority": "Core", "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:50.145924+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 26, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 36, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 20, "name": "Financials", "beatId": "47c38b1c-e527-427a-936e-301f12e940ec", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Financials", "slug": "sequoia-pitch-financials", "status": "active", "canonId": "019dd9b8-245d-74ce-8a5e-8094ec926a75", "version": 1, "description": null }, "evidence": "The presentation provides detailed financial results and outlook", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [ { "to": 29, "from": 25, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null }, "matchId": "b009c88f-77e7-4f38-a9de-ecb84b99f767", "evidence": "The presentation compares Affirm's delinquency performance to other consumer lenders", "position": 0, "objective": "Highlight the importance of Affirm's lending approach", "confidence": 0.6, "extraction": { "at": "2026-07-17 03:31:24.913172+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 27, "type": "analysis", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 63, "componentCount": 4, "textChars": 890, "nDataPoints": 84, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:43.574+00", "seconds": 6.556, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/27", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-27", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.03, "w": 0.045, "x": 0.049, "y": 0.93 }, "kind": "image", "text": "affirm", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:43.574+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "13129713-7280-422d-9587-7554dea2ba3b", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.602, "x": 0.099, "y": 0.928 }, "kind": "source-note", "text": "Notes:\n1. US loans only, excludes Pay in X (formerly known as Split Pay) loan transactions with 0% APR and 4-8 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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:43.574+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "da013dcd-7b3a-4dbb-aad7-745f6af374b7", "parentComponentId": null }, { "bbox": { "h": 0.77, "w": 0.879, "x": 0.049, "y": 0.139 }, "kind": "table", "text": "As of the Three Months Ending\nSeptember 30\nDecember 31\nMarch 31\nJune 30\n30+ Days Delinquent\nFY 2019 2.9% 2.5% 2.0% 1.9%\nFY 2020 2.5% 2.1% 1.9% 1.1%\nFY 2021 0.8% 0.8% 0.7% 0.9%\nFY 2022 1.5% 1.6% 2.1% 2.1%\nFY 2023 2.7% 2.4% 2.3% 2.1%\nFY 2024 2.4% 2.4% 2.3% 2.4%\nFY 2025 2.8% 2.5%\n60+ Days Delinquent\nFY 2019 1.6% 1.4% 1.2% 1.1%\nFY 2020 1.4% 1.2% 1.1% 0.8%\nFY 2021 0.5% 0.4% 0.4% 0.5%\nFY 2022 0.9% 0.9% 1.2% 1.2%\nFY 2023 1.6% 1.5% 1.4% 1.2%\nFY 2024 1.4% 1.4% 1.4% 1.5%\nFY 2025 1.7% 1.5%\n90+ Days Delinquent\nFY 2019 0.8% 0.7% 0.5% 0.5%\nFY 2020 0.6% 0.6% 0.5% 0.4%\nFY 2021 0.2% 0.2% 0.2% 0.2%\nFY 2022 0.4% 0.4% 0.5% 0.5%\nFY 2023 0.7% 0.7% 0.6% 0.5%\nFY 2024 0.7% 0.7% 0.6% 0.6%\nFY 2025 0.8% 0.7%", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:43.574+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3bd86d64-dd16-4bf6-8965-1d693fff40b6", "parentComponentId": null }, { "bbox": { "h": 0.036, "w": 0.56, "x": 0.049, "y": 0.06 }, "kind": "title", "text": "Monthly Installment Loan Delinquency Rates", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:43.574+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "586dd2e3-25d3-4a05-83b0-a5dec1aa5abb", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "1be6ba08-f24a-41bb-91a7-8301ca25c086", "evidence": "Table/data: 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 2", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.207822+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 27, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 36, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 20, "name": "Financials", "beatId": "47c38b1c-e527-427a-936e-301f12e940ec", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Financials", "slug": "sequoia-pitch-financials", "status": "active", "canonId": "019dd9b8-245d-74ce-8a5e-8094ec926a75", "version": 1, "description": null }, "evidence": "The presentation provides detailed financial results and outlook", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [ { "to": 29, "from": 25, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null }, "matchId": "b009c88f-77e7-4f38-a9de-ecb84b99f767", "evidence": "The presentation compares Affirm's delinquency performance to other consumer lenders", "position": 0, "objective": "Highlight the importance of Affirm's lending approach", "confidence": 0.6, "extraction": { "at": "2026-07-17 03:31:24.913172+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 28, "type": "analysis", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 53, "componentCount": 3, "textChars": 932, "nDataPoints": 84, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 06:46:13.253+00", "seconds": 6.263, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/28", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-28", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.04, "w": 0.76, "x": 0.105, "y": 0.92 }, "kind": "source-note", "text": "Notes:\n1. 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\n2. Metrics are unaudited", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 06:46:13.253+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "21121818-0776-4d06-951f-b512b9c02436", "parentComponentId": null }, { "bbox": { "h": 0.75, "w": 0.88, "x": 0.048, "y": 0.139 }, "kind": "table", "text": "As of the Three Months Ending\nSeptember 30 December 31 March 31 June 30\n30+ Days Delinquent\nFY 2019 3.3% 3.2% 2.7% 2.6%\nFY 2020 3.2% 2.9% 2.8% 1.8%\nFY 2021 1.4% 1.3% 1.2% 1.3%\nFY 2022 2.1% 2.1% 2.7% 2.5%\nFY 2023 3.2% 2.7% 2.5% 2.3%\nFY 2024 2.5% 2.5% 2.4% 2.5%\nFY 2025 2.8% 2.5%\n60+ Days Delinquent\nFY 2019 1.9% 1.8% 1.6% 1.5%\nFY 2020 1.8% 1.7% 1.6% 1.3%\nFY 2021 0.8% 0.7% 0.7% 0.7%\nFY 2022 1.2% 1.2% 1.6% 1.4%\nFY 2023 1.9% 1.6% 1.5% 1.3%\nFY 2024 1.5% 1.5% 1.4% 1.5%\nFY 2025 1.7% 1.5%\n90+ Days Delinquent\nFY 2019 0.9% 0.9% 0.7% 0.6%\nFY 2020 0.8% 0.8% 0.7% 0.6%\nFY 2021 0.4% 0.3% 0.3% 0.3%\nFY 2022 0.6% 0.6% 0.6% 0.6%\nFY 2023 0.9% 0.8% 0.7% 0.6%\nFY 2024 0.7% 0.7% 0.7% 0.6%\nFY 2025 0.8% 0.7%", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 06:46:13.253+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6f43f33e-33af-4622-8600-9cba2f9b721d", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.76, "x": 0.048, "y": 0.06 }, "kind": "title", "text": "Monthly Installment Loan Delinquency Rates Ex-Peloton", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 06:46:13.253+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ad6c712e-3ba4-4102-aefe-58b1fee94149", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "635c9117-6838-4a3b-9639-fe087474af0f", "evidence": "Table/data: 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 2", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.270074+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 28, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 36, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 20, "name": "Financials", "beatId": "47c38b1c-e527-427a-936e-301f12e940ec", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Financials", "slug": "sequoia-pitch-financials", "status": "active", "canonId": "019dd9b8-245d-74ce-8a5e-8094ec926a75", "version": 1, "description": null }, "evidence": "The presentation provides detailed financial results and outlook", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [ { "to": 29, "from": 25, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null }, "matchId": "b009c88f-77e7-4f38-a9de-ecb84b99f767", "evidence": "The presentation compares Affirm's delinquency performance to other consumer lenders", "position": 0, "objective": "Highlight the importance of Affirm's lending approach", "confidence": 0.6, "extraction": { "at": "2026-07-17 03:31:24.913172+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 29, "type": "setup", "function": "compare_peers", "rawType": "competitive_analysis", "block": null, "metadata": { "slideType": "competitive_analysis", "slideTypeCanon": { "name": "Competitive analysis", "slug": "competitive_analysis", "status": "active", "canonId": "019de52d-093e-776b-94c6-c1573f5f1a31", "version": 1, "description": null }, "function": "compare_peers", "functionCanon": { "name": "Compare peers", "slug": "compare_peers", "status": "active", "canonId": "019de52d-1453-72ba-a367-9ba3d34c1630", "version": 1, "description": null }, "density": "dense", "densityScore": 64, "componentCount": 4, "textChars": 1308, "nDataPoints": 60, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:45.144+00", "seconds": 7.158, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/29", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-29", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.59, "w": 0.8, "x": 0.07, "y": 0.2 }, "kind": "chart", "text": "Affirm Delinquencies of 30+ days as % of Monthly Installment Loan Active Balances Ex-Peloton; 6.0%, 4.0%, 2.0%, -%; 12/31/2022, 3/31/2023, 6/30/2023, 9/30/2023, 12/31/2023, 3/31/2024, 6/30/2024, 9/30/2024, 12/31/2024; Issuer A, Issuer B, Issuer C, Issuer D, dv01 Consumer Unsecured Index, Affirm", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Line chart", "slug": "line", "status": "active", "canonId": "019de52c-ff62-778f-8f6c-a952ceae8677", "version": 1, "description": null }, "framework": null }, "subkind": "line", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:45.144+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "19ec80d2-d9b9-4fbd-85fa-4a79c8643222", "parentComponentId": null }, { "bbox": { "h": 0.09, "w": 0.76, "x": 0.11, "y": 0.88 }, "kind": "source-note", "text": "Notes: Select consumer lenders include Bread Financial, Capital One, Discover, and Synchrony Financial. Non-Prime receivable mix as of September 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, 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.", "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:45.144+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ea2ce243-37d8-4790-8b98-6f01a6e8eda7", "parentComponentId": null }, { "bbox": { "h": 0.36, "w": 0.1, "x": 0.87, "y": 0.2 }, "kind": "table", "text": "% Non-Prime Receivables; Issuer C 43%; Issuer A 28%; Issuer D 31%; dv01 index n.a.; Issuer B 20%; Affirm 43%", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:45.144+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8a028e21-c4db-4113-b751-f2012670a371", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.93, "x": 0.03, "y": 0.1 }, "kind": "title", "text": "30+ Day Delinquency Performance Against Select Consumer Lenders", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:45.144+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "bae5e450-e6e0-4c90-91ac-b9e5ec1da734", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Chartjunk Elimination", "slug": "chartjunk-elimination", "status": "active", "bestFor": null, "canonId": "019dd956-b49e-7453-ab01-b60f338eeda1", "version": 1, "bodyDocId": null, "description": "Remove decorative elements that don't convey data: 3D effects, shadows, unnecessary gridlines", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "cede8393-da2f-4261-a5da-f5cdda94a21c", "evidence": "Chart/line: Affirm Delinquencies of 30+ days as % of Monthly Installment Loan Active Balances Ex-Peloton; 6.0%, 4.0%, 2.0%, -%; 12/31/2022, 3/31/2023, 6/30/2023, 9/30/2023, 12/31/2023, 3/31/2024, 6/30/2024, 9/30/2024, 12", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:50.331355+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 29, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Data-Ink Ratio", "slug": "data-ink-ratio", "status": "active", "bestFor": null, "canonId": "019dd956-afc8-70da-b378-92834d36fde6", "version": 1, "bodyDocId": null, "description": "Maximize data, minimize non-data ink - remove chartjunk and decoration", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "3607c28b-e3ba-4aea-8ec0-d3aa5cbe772c", "evidence": "Chart/line: Affirm Delinquencies of 30+ days as % of Monthly Installment Loan Active Balances Ex-Peloton; 6.0%, 4.0%, 2.0%, -%; 12/31/2022, 3/31/2023, 6/30/2023, 9/30/2023, 12/31/2023, 3/31/2024, 6/30/2024, 9/30/2024, 12", "pageRefs": null, "priority": "Core", "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:50.361995+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 29, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 36, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 20, "name": "Financials", "beatId": "47c38b1c-e527-427a-936e-301f12e940ec", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Financials", "slug": "sequoia-pitch-financials", "status": "active", "canonId": "019dd9b8-245d-74ce-8a5e-8094ec926a75", "version": 1, "description": null }, "evidence": "The presentation provides detailed financial results and outlook", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [ { "to": 29, "from": 25, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null }, "matchId": "b009c88f-77e7-4f38-a9de-ecb84b99f767", "evidence": "The presentation compares Affirm's delinquency performance to other consumer lenders", "position": 0, "objective": "Highlight the importance of Affirm's lending approach", "confidence": 0.6, "extraction": { "at": "2026-07-17 03:31:24.913172+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 30, "type": "appendix", "function": "analyze_data", "rawType": "other", "block": null, "metadata": { "slideType": "other", "slideTypeCanon": { "name": "Other (fallback)", "slug": "other", "status": "active", "canonId": "019de52d-0af5-71ed-83de-d51ae245fc43", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 89, "componentCount": 7, "textChars": 1516, "nDataPoints": 108, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:46.047+00", "seconds": 7.467, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/30", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-30", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.03, "w": 0.06, "x": 0.049, "y": 0.93 }, "kind": "image", "text": null, "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:46.047+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e2869451-9a9a-4fad-8ea9-fcac2543a823", "parentComponentId": null }, { "bbox": { "h": 0.015, "w": 0.019, "x": 0.936, "y": 0.93 }, "kind": "other", "text": "30", "attrs": {}, "canon": { "kind": { "name": "Other", "slug": "other", "status": "active", "canonId": "019de52c-fa90-743c-8bf6-20d1fbe82b6d", "version": 1, "description": "Fallback when no canonical kind applies." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:46.047+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c9f990aa-cb29-43bd-b7c0-ad7ca27295ea", "parentComponentId": null }, { "bbox": { "h": 0.015, "w": 0.08, "x": 0.049, "y": 0.149 }, "kind": "paragraph", "text": "($ in 000s)", "attrs": {}, "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": "2026-05-01 23:01:46.047+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4d02ef23-51d5-4045-a232-de6313e0dfac", "parentComponentId": null }, { "bbox": { "h": 0.07, "w": 0.86, "x": 0.049, "y": 0.909 }, "kind": "source-note", "text": "Notes:\n1. 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 (e.g. Canada)\n4. Affirm Canada loans were assigned ITACS scores beginning in F4Q'24. Canadian loan receivables are included in \"No score\" in prior periods.", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:46.047+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "03592068-ce14-4761-b53a-c794c0bdbcab", "parentComponentId": null }, { "bbox": { "h": 0.27, "w": 0.901, "x": 0.049, "y": 0.599 }, "kind": "table", "text": "Percentage of Amortized Cost Basis of Loans Held for Investment by ITACS Score\n96+ 61 % 62 % 62 % 61 % 58 % 59 % 65 % 66 % 66 %\n94-96 25 % 24 % 26 % 26 % 27 % 27 % 28 % 27 % 26 %\n90-94 4 % 3% 3% 4 % 5% 5% 5% 5% 6%\n<90 1% 1% — % — % — % — % 1% 1% 1%\nNo score 10 % 10 % 9% 9% 10 % 9% 2% 1% 1%\nTotal loan receivables 100% 100% 100% 100% 100% 100% 100% 100% 100%", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:46.047+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "55e9b5c0-dfd1-40c5-bd88-81c3cd99e6c0", "parentComponentId": null }, { "bbox": { "h": 0.309, "w": 0.901, "x": 0.049, "y": 0.22 }, "kind": "table", "text": "Amortized Cost Basis of Loans Held for Investment by ITACS Score\n96+ $ 2,211,085 $ 2,322,665 $ 2,689,847 $ 2,724,435 $ 3,010,413 $ 3,194,962 $ 3,631,572 $ 4,132,054 $ 4,468,075\n94-96 900,297 905,258 1,112,832 1,183,422 1,410,374 1,452,764 1,538,829 1,697,102 1,753,758\n90-94 127,076 107,785 137,088 163,444 238,518 245,788 291,342 296,007 389,803\n<90 28,979 19,589 14,992 16,013 19,256 14,273 45,367 51,780 74,293\nNo score 355,556 386,419 407,206 415,077 504,802 493,288 100,186 61,384 34,142\nTotal loan receivables $ 3,622,993 $ 3,741,716 $ 4,361,965 $ 4,502,391 $ 5,183,363 $ 5,401,075 $ 5,607,296 $ 6,238,327 $ 6,720,071", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:46.047+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6446e31e-4853-427d-8de2-ade04ed770ae", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.64, "x": 0.049, "y": 0.06 }, "kind": "title", "text": "Loans Held for Investment by ITACS Score", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:46.047+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5a0d3cba-7541-4ec5-bd42-0884e37a4051", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "9cd3a9d6-6c65-4d93-9b55-784237f48ff8", "evidence": "Table/data: Amortized Cost Basis of Loans Held for Investment by ITACS Score 96+ $ 2,211,085 $ 2,322,665 $ 2,689,847 $ 2,724,435 $ 3,010,413 $ 3,194,962 $ 3,631,572 $ 4,132,054 $ 4,468,075 94-96 900,297 905,258 1,112,832", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.423752+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 30, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 36, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 20, "name": "Financials", "beatId": "47c38b1c-e527-427a-936e-301f12e940ec", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Financials", "slug": "sequoia-pitch-financials", "status": "active", "canonId": "019dd9b8-245d-74ce-8a5e-8094ec926a75", "version": 1, "description": null }, "evidence": "The presentation provides detailed financial results and outlook", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 31, "type": "analysis", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "balanced", "densityScore": 47, "componentCount": 3, "textChars": 583, "nDataPoints": 30, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-02 06:46:11.673+00", "seconds": 4.683, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/31", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-31", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.046, "w": 0.657, "x": 0.048, "y": 0.923 }, "kind": "source-note", "text": "Notes: 1. Metrics are unaudited 2. Totals shown include the amortized cost basis excluding accrued interest receivable, by fiscal year of origination as of September 30, 2024.", "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 06:46:11.673+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8c328606-3140-452e-9a64-f03d661eefa7", "parentComponentId": null }, { "bbox": { "h": 0.33, "w": 0.939, "x": 0.03, "y": 0.22 }, "kind": "table", "text": "Loans Held for Investment and Loans Held for Sale (2) $ 5,246,747 $ 1,346,806 $ 114,951 $ 11,196 $ 326 $ 45 $ 6,720,071 Current period charge-offs (12,971) (123,701) (5,641) (441) (77) (81) (142,912) Current period recoveries 111 4,645 2,943 1,062 224 83 9,068 Current period net charge-offs (12,860) (119,056) (2,698) 621 147 2 (133,844)", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 06:46:11.673+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "96747478-dc8d-4e42-9d37-38b7fefffc53", "parentComponentId": null }, { "bbox": { "h": 0.035, "w": 0.909, "x": 0.048, "y": 0.06 }, "kind": "title", "text": "Q2'25 Loan Balance and Net Charge-offs by Loan Origination Fiscal Year", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 06:46:11.673+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "16742afe-a68f-43c8-baff-d33c65c8f86f", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "81951a1a-3f61-41df-ba5b-4a42bf3f7788", "evidence": "Table/data: Loans Held for Investment and Loans Held for Sale (2) $ 5,246,747 $ 1,346,806 $ 114,951 $ 11,196 $ 326 $ 45 $ 6,720,071 Current period charge-offs (12,971) (123,701) (5,641) (441) (77) (81) (142,912) Current", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.483867+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 31, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 36, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 20, "name": "Financials", "beatId": "47c38b1c-e527-427a-936e-301f12e940ec", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Financials", "slug": "sequoia-pitch-financials", "status": "active", "canonId": "019dd9b8-245d-74ce-8a5e-8094ec926a75", "version": 1, "description": null }, "evidence": "The presentation provides detailed financial results and outlook", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 32, "type": "analysis", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "balanced", "densityScore": 40, "componentCount": 4, "textChars": 234, "nDataPoints": 20, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:44.096+00", "seconds": 5.2, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/32", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-32", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.51, "w": 0.801, "x": 0.099, "y": 0.29 }, "kind": "chart", "text": "Allowance for Losses ($M) and Allowance % of Loans Held for Investment from FY Q2'23 to FY Q2'25", "attrs": { "chart_type": "bar-line", "x_axis_labels": [ "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 Q2'25" ], "y_axis_labels": [ "$182", "$176", "$205", "$232", "$262", "$289", "$309", "$351", "$364", "5.0%", "4.7%", "4.6%", "5.1%", "5.0%", "5.3%", "5.5%", "5.6%", "5.4%" ] }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:44.096+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7cabc8d7-d87e-43cd-950f-d50c46fd573e", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.54, "x": 0.229, "y": 0.84 }, "kind": "legend", "text": "Allowance for Losses ($M) - Allowance % of Loans Held for Investment", "attrs": {}, "canon": { "kind": { "name": "Legend", "slug": "legend", "status": "active", "canonId": "31361933-3d22-4c70-bbad-0801e9fffc0c", "version": 1, "description": "Color/symbol decoder placed adjacent to a chart or diagram." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:44.096+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "690fd0bd-cd7c-484d-ab5e-66affc9c52a3", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.15, "x": 0.085, "y": 0.928 }, "kind": "source-note", "text": "Notes: 1. Metrics are unaudited", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:44.096+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a3465308-5eb9-49f8-b5ec-550371309cc4", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.51, "x": 0.045, "y": 0.09 }, "kind": "title", "text": "Allowance and Loans Held for Investment", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:44.096+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ca96a917-07d7-4411-b6fa-57a8f905d517", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Chartjunk Elimination", "slug": "chartjunk-elimination", "status": "active", "bestFor": null, "canonId": "019dd956-b49e-7453-ab01-b60f338eeda1", "version": 1, "bodyDocId": null, "description": "Remove decorative elements that don't convey data: 3D effects, shadows, unnecessary gridlines", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "e7f03895-7265-468b-ab9f-bb71ac84dd73", "evidence": "Chart/bar-vertical: Allowance for Losses ($M) and Allowance % of Loans Held for Investment from FY Q2'23 to FY Q2'25", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:50.544885+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 32, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Data-Ink Ratio", "slug": "data-ink-ratio", "status": "active", "bestFor": null, "canonId": "019dd956-afc8-70da-b378-92834d36fde6", "version": 1, "bodyDocId": null, "description": "Maximize data, minimize non-data ink - remove chartjunk and decoration", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "a0c6d5f9-3fca-4c34-8dbf-024abc817900", "evidence": "Chart/bar-vertical: Allowance for Losses ($M) and Allowance % of Loans Held for Investment from FY Q2'23 to FY Q2'25", "pageRefs": null, "priority": "Core", "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:50.574988+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 32, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 36, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 20, "name": "Financials", "beatId": "47c38b1c-e527-427a-936e-301f12e940ec", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Financials", "slug": "sequoia-pitch-financials", "status": "active", "canonId": "019dd9b8-245d-74ce-8a5e-8094ec926a75", "version": 1, "description": null }, "evidence": "The presentation provides detailed financial results and outlook", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 33, "type": "analysis", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 72, "componentCount": 5, "textChars": 882, "nDataPoints": 40, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:44.969+00", "seconds": 5.33, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/33", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-33", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.28, "w": 0.45, "x": 0.505, "y": 0.19 }, "kind": "chart", "text": "Last 12 Months Change in Allowance $262, $532, $(431), $364", "attrs": {}, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:44.969+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6a2950e4-68c0-4086-a4f5-9b5f39cc8720", "parentComponentId": null }, { "bbox": { "h": 0.28, "w": 0.45, "x": 0.046, "y": 0.19 }, "kind": "chart", "text": "Quarterly Change in Allowance $351, $147, $(134), $364", "attrs": {}, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:44.969+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b3ec70ae-af02-4d62-98c5-aef5e046e57f", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.89, "x": 0.046, "y": 0.91 }, "kind": "source-note", "text": "Notes: 1. Dollars in millions 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", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:44.969+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3d3f5d53-cbb0-488c-a129-01e155772fad", "parentComponentId": null }, { "bbox": { "h": 0.32, "w": 0.92, "x": 0.04, "y": 0.57 }, "kind": "table", "text": "Last 12 Months Change in Allowance Quarter Ending March 31, 2024 June 30, 2024 September 30, 2024 December 31, 2024 12 Months Ending December 31, 2024 Beginning of Period Allowance $262 $289 $309 $351 $262 (+) Provision for Loan Losses 3 117 114 155 147 532 (-) Charge-offs, Net (90) (94) (113) (134) (431) End of Period Allowance $289 $309 $351 $364 $364 Loans Held for Investment $5,461 $5,670 $6,311 $6,796 $6,796 Allowance % of Loans Held for Investment 5.3% 5.5% 5.6% 5.4% 5.4%", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:44.969+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fb4a9207-1cc2-4530-bd7b-4330efa3f251", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.62, "x": 0.069, "y": 0.08 }, "kind": "title", "text": "Change in Allowance for Credit Losses", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:44.969+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "573163b4-ceaa-4a85-bd97-f603e8272463", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Chartjunk Elimination", "slug": "chartjunk-elimination", "status": "active", "bestFor": null, "canonId": "019dd956-b49e-7453-ab01-b60f338eeda1", "version": 1, "bodyDocId": null, "description": "Remove decorative elements that don't convey data: 3D effects, shadows, unnecessary gridlines", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "27b47a74-ee32-4e77-b439-3e4c9b9e7a73", "evidence": "Chart/bar-vertical: Last 12 Months Change in Allowance $262, $532, $(431), $364", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:50.667836+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 33, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Data-Ink Ratio", "slug": "data-ink-ratio", "status": "active", "bestFor": null, "canonId": "019dd956-afc8-70da-b378-92834d36fde6", "version": 1, "bodyDocId": null, "description": "Maximize data, minimize non-data ink - remove chartjunk and decoration", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Designer", "layer": "slide", "agents": [ "Designer" ], "matchId": "4052f80c-c1a8-4b25-96bd-896eaa78b56c", "evidence": "Chart/bar-vertical: Last 12 Months Change in Allowance $262, $532, $(431), $364", "pageRefs": null, "priority": "Core", "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:08:50.697949+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 33, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "14b78d78-e50c-4838-adde-266af7751bb5", "evidence": "Table/data: Last 12 Months Change in Allowance Quarter Ending March 31, 2024 June 30, 2024 September 30, 2024 December 31, 2024 12 Months Ending December 31, 2024 Beginning of Period Allowance $262 $289 $309 $351 $262 (+", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.637022+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 33, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 36, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 20, "name": "Financials", "beatId": "47c38b1c-e527-427a-936e-301f12e940ec", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Financials", "slug": "sequoia-pitch-financials", "status": "active", "canonId": "019dd9b8-245d-74ce-8a5e-8094ec926a75", "version": 1, "description": null }, "evidence": "The presentation provides detailed financial results and outlook", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 34, "type": "setup", "function": "transition", "rawType": "section_divider", "block": null, "metadata": { "slideType": "section_divider", "slideTypeCanon": { "name": "Section divider", "slug": "section_divider", "status": "active", "canonId": "019de52d-066a-7402-9554-6ae504999041", "version": 1, "description": null }, "function": "transition", "functionCanon": { "name": "Transition", "slug": "transition", "status": "active", "canonId": "019de52d-1365-7149-92aa-66df859e75fd", "version": 1, "description": null }, "density": "sparse", "densityScore": 3, "componentCount": 2, "textChars": 13, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:42.799+00", "seconds": 2.822, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/34", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-34", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.041666666666666664, "w": 0.095, "x": 0.855, "y": 0.8958333333333334 }, "kind": "image", "text": "affirm", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:42.799+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c4fc345c-14f9-4530-be53-a2a566559b5c", "parentComponentId": null }, { "bbox": { "h": 0.08333333333333333, "w": 0.225, "x": 0.05083333333333333, "y": 0.4472222222222222 }, "kind": "title", "text": "Outlook", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:42.799+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2605a3be-c9fb-4eb9-adbe-9ee77d589bb0", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Section divider", "slug": "section-divider", "status": "active", "bestFor": null, "canonId": "019dd9e1-4c66-707d-8d1f-6e14547134c7", "version": 1, "bodyDocId": null, "description": "A transitional slide marking the start of a new section.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "0cc28425-549e-48b5-bb00-fc0614645d37", "evidence": "Title/headline: Outlook", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.759964+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 34, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 36, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 20, "name": "Financials", "beatId": "47c38b1c-e527-427a-936e-301f12e940ec", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Financials", "slug": "sequoia-pitch-financials", "status": "active", "canonId": "019dd9b8-245d-74ce-8a5e-8094ec926a75", "version": 1, "description": null }, "evidence": "The presentation provides detailed financial results and outlook", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [ { "to": 36, "from": 34, "loop": { "name": "15_why_now", "slug": "15-why-now", "status": "active", "bestFor": "Sales pitches, fundraising, requesting immediate budget approval", "canonId": "019dd956-6c00-70cd-bd42-6bacc4af726f", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Context (Trends) -> The Trigger Event -> The Window of Opportunity", "description": "Create temporal urgency by proving that the window of opportunity is opening or closing", "familyLabel": null }, "matchId": "0422d47f-5d2e-4c5e-a15d-1bf4f694056e", "evidence": "The presentation outlines key assumptions incorporated in the outlook", "position": 1, "objective": "Explain why Affirm is well-positioned for growth", "confidence": 0.6, "extraction": { "at": "2026-07-17 03:31:24.956054+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 35, "type": "appendix", "function": "establish_context", "rawType": "other", "block": null, "metadata": { "slideType": "other", "slideTypeCanon": { "name": "Other (fallback)", "slug": "other", "status": "active", "canonId": "019de52d-0af5-71ed-83de-d51ae245fc43", "version": 1, "description": null }, "function": "establish_context", "functionCanon": { "name": "Establish context", "slug": "establish_context", "status": "active", "canonId": "019de52d-1314-74e6-9074-d213dc0bdcdf", "version": 1, "description": null }, "density": "dense", "densityScore": 71, "componentCount": 5, "textChars": 1262, "nDataPoints": 6, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:45.023+00", "seconds": 5.031, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/35", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-35", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.19, "w": 0.918, "x": 0.042, "y": 0.606 }, "kind": "list", "text": "Product and Go-to-Market Initiatives:\nOur outlook includes the expected financial impact of our Affirm Money Account, the business-to-business (B2B) product, and our UK expansion. None of these initiatives are expected to be material growth contributors during FY'25.\nA recently-launched wallet partnership is not expected to contribute materially to financial results in FY'25. This reflects that the partnership remains in the early stages of commercialization.", "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": "2026-05-01 23:01:45.023+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "20094df7-6049-4cfc-8cdb-4cfeed8ada80", "parentComponentId": null }, { "bbox": { "h": 0.16, "w": 0.918, "x": 0.042, "y": 0.424 }, "kind": "list", "text": "Funding:\nEquity Capital Required (\"ECR\") as a percentage of Total Platform Portfolio (“ECR Ratio\") is expected to remain 5% or less\nBased upon the current forward interest rate curve which is embedded in our outlook, benchmark interest rates are expected to decline in FY'25 which should be a tailwind to RLTC as a percentage of 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": "2026-05-01 23:01:45.023+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6b4a4fd9-ceff-4099-b464-6eb4306bb85b", "parentComponentId": null }, { "bbox": { "h": 0.205, "w": 0.918, "x": 0.042, "y": 0.186 }, "kind": "list", "text": "Enterprise Warrant Expense:\nExpenses 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 FQ3'25 and FQ4'25 compared to $74 million in FQ3'24 and $72 million in FQ4'24.\nFY'25 expenses associated with the \"performance tranche\" of warrants granted to the aforementioned enterprise partner are expected to be similar to FY'24.", "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": "2026-05-01 23:01:45.023+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f3b39bdb-7292-4a50-8501-ee8c080827c3", "parentComponentId": null }, { "bbox": { "h": 0.016, "w": 0.023, "x": 0.936, "y": 0.936 }, "kind": "source-note", "text": "35", "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:45.023+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d1506b56-645c-4bf0-87b0-0761dfd68a17", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.61, "x": 0.042, "y": 0.11 }, "kind": "title", "text": "Key Assumptions Incorporated in Outlook", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:45.023+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "cca72b7a-d6cb-4efa-9842-8688273cdd2e", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "List presentation", "slug": "list-presentation", "status": "active", "bestFor": null, "canonId": "019dd9e1-4ef7-777d-ba68-9074c2b3bcf1", "version": 1, "bodyDocId": null, "description": "Bulleted, numbered, or checklist enumerations.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "8277af8d-df7c-4752-bef5-d88113749818", "evidence": "List/bullet: Product and Go-to-Market Initiatives:", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.822268+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 35, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 36, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 20, "name": "Financials", "beatId": "47c38b1c-e527-427a-936e-301f12e940ec", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Financials", "slug": "sequoia-pitch-financials", "status": "active", "canonId": "019dd9b8-245d-74ce-8a5e-8094ec926a75", "version": 1, "description": null }, "evidence": "The presentation provides detailed financial results and outlook", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [ { "to": 36, "from": 34, "loop": { "name": "15_why_now", "slug": "15-why-now", "status": "active", "bestFor": "Sales pitches, fundraising, requesting immediate budget approval", "canonId": "019dd956-6c00-70cd-bd42-6bacc4af726f", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Context (Trends) -> The Trigger Event -> The Window of Opportunity", "description": "Create temporal urgency by proving that the window of opportunity is opening or closing", "familyLabel": null }, "matchId": "0422d47f-5d2e-4c5e-a15d-1bf4f694056e", "evidence": "The presentation outlines key assumptions incorporated in the outlook", "position": 1, "objective": "Explain why Affirm is well-positioned for growth", "confidence": 0.6, "extraction": { "at": "2026-07-17 03:31:24.956054+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 36, "type": "setup", "function": "summarize", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "dense", "densityScore": 62, "componentCount": 4, "textChars": 1038, "nDataPoints": 21, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:47.05+00", "seconds": 5.918, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/36", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-36", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.02, "w": 0.84, "x": 0.054, "y": 0.26 }, "kind": "paragraph", "text": "The following table summarizes Affirm's financial outlook for the third and fourth fiscal quarters of 2025:", "attrs": {}, "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": "2026-05-01 23:01:47.05+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a5027600-32d3-432b-b4be-7026242b5b0e", "parentComponentId": null }, { "bbox": { "h": 0.016, "w": 0.018, "x": 0.936, "y": 0.94 }, "kind": "source-note", "text": "36", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:47.05+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "29f9f1dc-13ef-47d4-898c-0f573dc6af8f", "parentComponentId": null }, { "bbox": { "h": 0.401, "w": 0.845, "x": 0.054, "y": 0.309 }, "kind": "table", "text": "GMV: Fiscal Q3 2025 $8.00 to $8.30 billion, Fiscal Q4 2025 $9.00 to $9.30 billion, Fiscal 2025 $34.74 to $35.34 billion\nRevenue: Fiscal Q3 2025 $755 to $785 million, Fiscal Q4 2025 $810 to $840 million, Fiscal 2025 $3,130 to $3,190 million\nTransaction Costs: Fiscal Q3 2025 $415 to $430 million, Fiscal Q4 2025 $435 to $450 million, Fiscal 2025 $1,710 to $1,740 million\nRevenue Less Transaction Costs: Fiscal Q3 2025 $340 to $355 million, Fiscal Q4 2025 $375 to $390 million, Fiscal 2025 $1,420 to $1,450 million\nAdjusted Operating Margin: Fiscal Q3 2025 20 to 22 percent, Fiscal Q4 2025 23 to 25 percent, Fiscal 2025 22.5 to 23.5 percent\nWeighted Average Basic Shares Outstanding: Fiscal Q3 2025 324 million, Fiscal Q4 2025 328 million, Fiscal 2025 323 million\nWeighted Average Diluted Shares Outstanding: Fiscal Q3 2025 346 million, Fiscal Q4 2025 347 million, Fiscal 2025 342 million", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:47.05+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5cc85439-7415-4f3b-9a95-045c4d6fbcd7", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.63, "x": 0.045, "y": 0.113 }, "kind": "title", "text": "FY Q3 2025, FY Q4 2025, and FY 2025 Outlook", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:47.05+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "40cd2042-f27e-4604-8015-6cb92c139458", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "ddb7aaef-270f-42a4-a027-463ece59157d", "evidence": "Table/data: GMV: Fiscal Q3 2025 $8.00 to $8.30 billion, Fiscal Q4 2025 $9.00 to $9.30 billion, Fiscal 2025 $34.74 to $35.34 billion", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.887347+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 36, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 36, "arc": { "name": "The Sequoia Pitch", "slug": "sequoia-pitch", "status": "active", "bestFor": "Investor pitches, Series A/B, board presentations", "canonId": "019dd956-5e69-75a7-a0a4-895ac1bc0444", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem -> Solution -> Why Now -> Market Size -> Competition -> Product -> Business Model -> Team -> Financials -> The Ask", "description": null, "familyLabel": null }, "from": 20, "name": "Financials", "beatId": "47c38b1c-e527-427a-936e-301f12e940ec", "matchId": "ffd30241-76a9-4081-bb63-e6c65a3ba41d", "beatType": { "name": "Financials", "slug": "sequoia-pitch-financials", "status": "active", "canonId": "019dd9b8-245d-74ce-8a5e-8094ec926a75", "version": 1, "description": null }, "evidence": "The presentation provides detailed financial results and outlook", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Evidence", "slug": "evidence", "status": "active", "canonId": "019dd9b8-03f9-772a-b84a-4f07b415b77a", "version": 1, "description": "A dedicated proof beat exists in only ~4 arcs (Gambit, Sequoia, AIDA, Monroes). Other arcs embed evidence inline within development." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [ { "to": 36, "from": 34, "loop": { "name": "15_why_now", "slug": "15-why-now", "status": "active", "bestFor": "Sales pitches, fundraising, requesting immediate budget approval", "canonId": "019dd956-6c00-70cd-bd42-6bacc4af726f", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Context (Trends) -> The Trigger Event -> The Window of Opportunity", "description": "Create temporal urgency by proving that the window of opportunity is opening or closing", "familyLabel": null }, "matchId": "0422d47f-5d2e-4c5e-a15d-1bf4f694056e", "evidence": "The presentation outlines key assumptions incorporated in the outlook", "position": 1, "objective": "Explain why Affirm is well-positioned for growth", "confidence": 0.6, "extraction": { "at": "2026-07-17 03:31:24.956054+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 37, "type": "setup", "function": "transition", "rawType": "section_divider", "block": null, "metadata": { "slideType": "section_divider", "slideTypeCanon": { "name": "Section divider", "slug": "section_divider", "status": "active", "canonId": "019de52d-066a-7402-9554-6ae504999041", "version": 1, "description": null }, "function": "transition", "functionCanon": { "name": "Transition", "slug": "transition", "status": "active", "canonId": "019de52d-1365-7149-92aa-66df859e75fd", "version": 1, "description": null }, "density": "sparse", "densityScore": 3, "componentCount": 2, "textChars": 16, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:45.031+00", "seconds": 3.771, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/37", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-37", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.04, "w": 0.089, "x": 0.86, "y": 0.89 }, "kind": "image", "text": "affirm", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:45.031+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9cd2f5b2-6917-47a9-b0bd-f822149d8544", "parentComponentId": null }, { "bbox": { "h": 0.07, "w": 0.302, "x": 0.047, "y": 0.449 }, "kind": "title", "text": "Financials", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:45.031+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e6326a18-a04a-4449-b701-32785de17fb0", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Section divider", "slug": "section-divider", "status": "active", "bestFor": null, "canonId": "019dd9e1-4c66-707d-8d1f-6e14547134c7", "version": 1, "bodyDocId": null, "description": "A transitional slide marking the start of a new section.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "7f166597-73d1-47f9-9f95-5434a3ecd96e", "evidence": "Title/headline: Financials", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.949126+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 37, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 38, "type": "setup", "title": "Metrics are unaudited.", "function": "decompose_segments", "rawType": "revenue_buildup", "block": null, "metadata": { "slideType": "revenue_buildup", "slideTypeCanon": { "name": "Revenue buildup", "slug": "revenue_buildup", "status": "active", "canonId": "019de52d-0acd-70b8-a81d-62d89840409b", "version": 1, "description": null }, "function": "decompose_segments", "functionCanon": { "name": "Decompose segments", "slug": "decompose_segments", "status": "active", "canonId": "019de52d-14f1-74f8-be75-beb0be1135ec", "version": 1, "description": null }, "density": "balanced", "densityScore": 35, "componentCount": 3, "textChars": 289, "nDataPoints": 45, "notes": "Metrics are unaudited.", "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:46.409+00", "seconds": 4.76, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/38", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-38", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.02, "w": 0.14, "x": 0.079, "y": 0.94 }, "kind": "source-note", "text": "Notes: 1. Metrics are unaudited", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:46.409+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c16a30d5-608c-4a8a-8533-d252d211f07e", "parentComponentId": null }, { "bbox": { "h": 0.33, "w": 0.96, "x": 0.019, "y": 0.17 }, "kind": "table", "text": "Table showing interest income components over time, including interest on unpaid principal balance, amortization of discount on loans, amortization of premiums on loans, interest receivable charged-off, and total interest income.", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:46.409+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6b1d9efb-6561-471a-a903-94c6ccd63e32", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.53, "x": 0.048, "y": 0.06 }, "kind": "title", "text": "Components of Interest Income", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:46.409+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "44bf50c1-5f78-4b86-b8eb-bdc806034799", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "04e5764e-072f-4ec8-8be4-fb8cc97ab119", "evidence": "Table showing interest income components over time", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:49.617692+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 38, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 39, "type": "setup", "function": "decompose_segments", "rawType": "revenue_buildup", "block": null, "metadata": { "slideType": "revenue_buildup", "slideTypeCanon": { "name": "Revenue buildup", "slug": "revenue_buildup", "status": "active", "canonId": "019de52d-0acd-70b8-a81d-62d89840409b", "version": 1, "description": null }, "function": "decompose_segments", "functionCanon": { "name": "Decompose segments", "slug": "decompose_segments", "status": "active", "canonId": "019de52d-14f1-74f8-be75-beb0be1135ec", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 78, "componentCount": 6, "textChars": 922, "nDataPoints": 8, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:49.34+00", "seconds": 6.247, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/39", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-39", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.379, "w": 0.036, "x": 0.84, "y": 0.254 }, "kind": "list", "text": "316\n14\n7\n13\n21\n(14)\n356", "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": "2026-05-01 23:01:49.34+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a090150b-de5f-4252-94de-95edcdf6df87", "parentComponentId": null }, { "bbox": { "h": 0.379, "w": 0.54, "x": 0.1, "y": 0.254 }, "kind": "list", "text": "Common Shares Outstanding\nPlus: Balance of Options, Weighted Average Strike Price: $18.36\nPlus: Vested Warrants, Weighted Average Strike Price: $0.01\nPlus: CEO Value Creation Award, Weighted Average Strike Price: $49.00\nPlus: Restricted Stock Units\nLess: Treasury Stock Reduction of Options and Vested Warrants Outstanding\nFully Diluted Shares, Treasury Stock Method", "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": "2026-05-01 23:01:49.34+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f4501429-f3a2-46e1-8fe8-c030dee0e937", "parentComponentId": null }, { "bbox": { "h": 0.019, "w": 0.169, "x": 0.665, "y": 0.194 }, "kind": "paragraph", "text": "(Shares in millions)", "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": "2026-05-01 23:01:49.34+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "20182768-92a7-4e0a-87d9-84df904e5d34", "parentComponentId": null }, { "bbox": { "h": 0.17, "w": 0.775, "x": 0.103, "y": 0.686 }, "kind": "paragraph", "text": "Derivation of Fully Diluted Shares Outstanding Estimate relies upon below inputs and assumptions:\nCommon shares outstanding and restricted stock units are as of December 31, 2024\nBalance of options and vested warrants outstanding as of December 31, 2024 and reduced by 14 million\nshares using treasury stock method with $62.80 closing stock price as of 2/5/2025\nVested warrants include penny warrants\nExcludes $100.00 strike price warrants", "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": "2026-05-01 23:01:49.34+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "76dbaa4c-ea46-4dc4-a8df-25eb789f2b1e", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.149, "x": 0.086, "y": 0.93 }, "kind": "source-note", "text": "Notes:\n1. 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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:49.34+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "92c2a63b-4661-4db8-8ffa-6f79794bec85", "parentComponentId": null }, { "bbox": { "h": 0.035, "w": 0.609, "x": 0.056, "y": 0.06 }, "kind": "title", "text": "Fully Diluted Shares Outstanding (FY Q2'25)", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:49.34+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7a72efa4-41de-446f-85b7-369bc65950b2", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "List presentation", "slug": "list-presentation", "status": "active", "bestFor": null, "canonId": "019dd9e1-4ef7-777d-ba68-9074c2b3bcf1", "version": 1, "bodyDocId": null, "description": "Bulleted, numbered, or checklist enumerations.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "011b3aa9-5f94-4e78-93ea-df9c5a0f8296", "evidence": "list/bullet: Common Shares Outstanding, Plus: Balance of Options, Weighted Average Strike Price: $18.36", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 02:08:49.681415+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 39, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 40, "type": "analysis", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 65, "componentCount": 5, "textChars": 500, "nDataPoints": 54, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:49.087+00", "seconds": 5.206, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/40", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-40", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.579, "w": 0.79, "x": 0.088, "y": 0.179 }, "kind": "chart", "text": "Stacked bar chart showing share-based payment expense by category for FY Q2'23 to FY Q2'25, with total values ranging from $179M to $269M.", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Stacked bar chart", "slug": "bar-stacked", "status": "active", "canonId": "019de52c-feec-74bf-9028-15b74f84f0a7", "version": 1, "description": null }, "framework": null }, "subkind": "bar-stacked", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:49.087+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "92b89f3d-6db0-4bd4-8743-a3c757d50421", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.63, "x": 0.184, "y": 0.802 }, "kind": "list", "text": "Employee Stock-Based Compensation\nShopify Commercial Agreement Asset Amortization\nAmazon Enterprise Warrant Vesting\nCEO Value Creation Award\nAmazon Commercial Agreement Asset Amortization", "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": "2026-05-01 23:01:49.087+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4e6f86b0-2f8a-4864-8dc6-0578a921f7d2", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.29, "x": 0.077, "y": 0.92 }, "kind": "source-note", "text": "Notes:\n1. Metrics are unaudited\n2. Dollars in millions\n3. Amounts above are included in Operating Expenses", "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:49.087+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c8aeb00d-ae12-42fe-8158-20c3fc4b26ef", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.24, "x": 0.638, "y": 0.17 }, "kind": "table", "text": "Adj. Operating Income: $150M, $130M, $238M", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:49.087+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "84e1caad-713e-4c6e-b3ac-6c7784ce8835", "parentComponentId": null }, { "bbox": { "h": 0.036, "w": 0.429, "x": 0.045, "y": 0.06 }, "kind": "title", "text": "Share-Based Payment Expense", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:49.087+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "908346fc-26b7-4dac-b0c8-9b0660f82bce", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 41, "type": "setup", "function": "transition", "rawType": "section_divider", "block": null, "metadata": { "slideType": "section_divider", "slideTypeCanon": { "name": "Section divider", "slug": "section_divider", "status": "active", "canonId": "019de52d-066a-7402-9554-6ae504999041", "version": 1, "description": null }, "function": "transition", "functionCanon": { "name": "Transition", "slug": "transition", "status": "active", "canonId": "019de52d-1365-7149-92aa-66df859e75fd", "version": 1, "description": null }, "density": "sparse", "densityScore": 3, "componentCount": 2, "textChars": 21, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:47.005+00", "seconds": 2.602, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/41", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-41", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.04, "w": 0.09, "x": 0.85, "y": 0.88 }, "kind": "image", "text": "affirm", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:47.005+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7196f0fc-f432-483e-a4e5-34a2a6f63e05", "parentComponentId": null }, { "bbox": { "h": 0.07, "w": 0.43, "x": 0.052, "y": 0.449 }, "kind": "title", "text": "Reconciliations", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:47.005+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e8db78dc-ce47-4ab2-b839-c9935a3ee731", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Section divider", "slug": "section-divider", "status": "active", "bestFor": null, "canonId": "019dd9e1-4c66-707d-8d1f-6e14547134c7", "version": 1, "bodyDocId": null, "description": "A transitional slide marking the start of a new section.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "ac72a13c-0c84-4203-af93-67184d5db308", "evidence": "title/headline: Reconciliations", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:49.77626+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 41, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 42, "type": "setup", "function": "decompose_segments", "rawType": "revenue_buildup", "block": null, "metadata": { "slideType": "revenue_buildup", "slideTypeCanon": { "name": "Revenue buildup", "slug": "revenue_buildup", "status": "active", "canonId": "019de52d-0acd-70b8-a81d-62d89840409b", "version": 1, "description": null }, "function": "decompose_segments", "functionCanon": { "name": "Decompose segments", "slug": "decompose_segments", "status": "active", "canonId": "019de52d-14f1-74f8-be75-beb0be1135ec", "version": 1, "description": null }, "density": "dense", "densityScore": 63, "componentCount": 5, "textChars": 441, "nDataPoints": 207, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:50.486+00", "seconds": 5.193, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/42", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-42", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.03, "w": 0.05, "x": 0.059, "y": 0.93 }, "kind": "image", "text": "affirm", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:50.486+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0d31ab97-d0ac-4d9e-8089-5eedde36a25f", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.14, "x": 0.076, "y": 0.93 }, "kind": "source-note", "text": "Notes:\n1. 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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:50.486+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2bf36bd9-7730-488f-92ff-d50241efc17f", "parentComponentId": null }, { "bbox": { "h": 0.46, "w": 0.91, "x": 0.059, "y": 0.09 }, "kind": "table", "text": "Gross Merchandise Value ($M) from 5,658 to 10,146; Total Revenue, net from 399,558 to 866,381; Total Transaction Costs from 255,370 to 446,980; Revenue Less Transaction Costs from 144,188 to 419,401.", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:50.486+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "72df0440-307a-4b86-86d1-fb8c9a2007f9", "parentComponentId": null }, { "bbox": { "h": 0.37, "w": 0.91, "x": 0.059, "y": 0.559 }, "kind": "table", "text": "Gross Merchandise Value 100.0%; Total Revenue, net from 7.1% to 8.5%; Total Transaction Costs from 4.5% to 4.4%; Revenue Less Transaction Costs from 2.5% to 4.1%.", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:50.486+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7492b2f3-63d2-4e8b-9dab-e3425a63dff7", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.66, "x": 0.059, "y": 0.036 }, "kind": "title", "text": "Quarterly Revenue & Transaction Cost Detail", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:50.486+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2bfe303b-541c-49bf-aaf6-ba9bdb90edc0", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "76ce8a8f-cf0f-4d45-b743-0b28949c0745", "evidence": "Table/data: Gross Merchandise Value ($M) from 5,658 to 10,146", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:49.839383+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 42, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 43, "type": "setup", "function": "decompose_segments", "rawType": "revenue_buildup", "block": null, "metadata": { "slideType": "revenue_buildup", "slideTypeCanon": { "name": "Revenue buildup", "slug": "revenue_buildup", "status": "active", "canonId": "019de52d-0acd-70b8-a81d-62d89840409b", "version": 1, "description": null }, "function": "decompose_segments", "functionCanon": { "name": "Decompose segments", "slug": "decompose_segments", "status": "active", "canonId": "019de52d-14f1-74f8-be75-beb0be1135ec", "version": 1, "description": null }, "density": "dense", "densityScore": 73, "componentCount": 5, "textChars": 946, "nDataPoints": 66, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:51.141+00", "seconds": 5.725, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/43", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-43", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.029, "w": 0.06, "x": 0.045, "y": 0.93 }, "kind": "image", "text": "affirm", "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:51.141+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f9981179-488c-4e86-8c41-88e4c7974f0b", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.18, "x": 0.069, "y": 0.886 }, "kind": "source-note", "text": "Notes: 1. Metrics are unaudited", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:51.141+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "920a5a2b-ac60-4ce5-82c1-d3d01e5a53c6", "parentComponentId": null }, { "bbox": { "h": 0.356, "w": 0.88, "x": 0.059, "y": 0.519 }, "kind": "table", "text": "Line Items as a % of GMV: Gross Merchandise Value: 100.0% for all years. Revenue: Merchant network revenue, Virtual card network revenue, Total network revenue, Interest income, Gain (loss) on sales of loans, Servicing income, Total Revenue, net. Transaction Costs: Loss on loan purchase commitment, Provision for credit losses, Funding costs, Processing and servicing, Total Transaction Costs, Revenue Less Transaction Costs.", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:51.141+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "19e3a112-a632-4b01-8eee-a36ce8e6677b", "parentComponentId": null }, { "bbox": { "h": 0.419, "w": 0.88, "x": 0.059, "y": 0.106 }, "kind": "table", "text": "Gross Merchandise Value ($M) June 30, 2022: 15,483, June 30, 2023: 20,201, June 30, 2024: 26,646. Revenue: Merchant network revenue, Card network revenue, Total network revenue, Interest income, Gain (loss) on sales of loans, Servicing income, Total Revenue, net. Transaction Costs: Loss on loan purchase commitment, Provision for credit losses, Funding costs, Processing and servicing, Total Transaction Costs, Revenue Less Transaction Costs.", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:51.141+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "af2952f4-d606-4bef-8cf7-5b61af432eb6", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.509, "x": 0.069, "y": 0.039 }, "kind": "title", "text": "Annual Revenue & Transaction Cost Detail", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:51.141+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1036b1d6-7a3a-4aa8-93fd-6dcf8dcb0976", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "1ede4599-95fb-41d6-a381-db746239ec5a", "evidence": "Table/data: Gross Merchandise Value ($M) June 30, 2022: 15,483", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:49.903787+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 43, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 44, "type": "setup", "function": "decompose_segments", "rawType": "revenue_buildup", "block": null, "metadata": { "slideType": "revenue_buildup", "slideTypeCanon": { "name": "Revenue buildup", "slug": "revenue_buildup", "status": "active", "canonId": "019de52d-0acd-70b8-a81d-62d89840409b", "version": 1, "description": null }, "function": "decompose_segments", "functionCanon": { "name": "Decompose segments", "slug": "decompose_segments", "status": "active", "canonId": "019de52d-14f1-74f8-be75-beb0be1135ec", "version": 1, "description": null }, "density": "dense", "densityScore": 56, "componentCount": 3, "textChars": 1644, "nDataPoints": 324, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:50.484+00", "seconds": 5.065, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/44", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-44", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.07, "w": 0.875, "x": 0.077, "y": 0.91 }, "kind": "source-note", "text": "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 include expenses related to exit and disposal activities, including one-time employee termination benefits 3. 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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:50.484+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "dbbb17cc-613e-4094-9ab4-218acdadd70c", "parentComponentId": null }, { "bbox": { "h": 0.83, "w": 0.902, "x": 0.049, "y": 0.09 }, "kind": "table", "text": "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 Restructuring and other 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: Restructuring and other Plus: Other costs² Adjusted Operating Income (Loss)", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:50.484+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ac8f3d9c-5b69-4711-a42e-8aa14ed004de", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.609, "x": 0.069, "y": 0.03 }, "kind": "title", "text": "Income Statement Reconciliations - Fiscal Quarter", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:50.484+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e852cc79-aecf-4ad0-93ef-119cf7658afa", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "948f6fd7-dbef-418e-8f6f-682e81b01e07", "evidence": "Table/data: Income Statement Reconciliations ($K) Total Revenue Operating Expenses", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:49.970336+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 44, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 45, "type": "setup", "function": "decompose_segments", "rawType": "revenue_buildup", "block": null, "metadata": { "slideType": "revenue_buildup", "slideTypeCanon": { "name": "Revenue buildup", "slug": "revenue_buildup", "status": "active", "canonId": "019de52d-0acd-70b8-a81d-62d89840409b", "version": 1, "description": null }, "function": "decompose_segments", "functionCanon": { "name": "Decompose segments", "slug": "decompose_segments", "status": "active", "canonId": "019de52d-14f1-74f8-be75-beb0be1135ec", "version": 1, "description": null }, "density": "dense", "densityScore": 56, "componentCount": 3, "textChars": 1628, "nDataPoints": 108, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:50.455+00", "seconds": 4.908, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/45", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-45", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.06, "w": 0.889, "x": 0.074, "y": 0.92 }, "kind": "source-note", "text": "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\n2. 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\n3. 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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:50.455+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9776f044-3f73-45a9-9e55-d827a2b0c8af", "parentComponentId": null }, { "bbox": { "h": 0.802, "w": 0.93, "x": 0.036, "y": 0.12 }, "kind": "table", "text": "Income Statement Reconciliations ($K)\nTotal Revenue\nOperating Expenses\nLoss on loan purchase commitment\nProvision for credit losses\nFunding costs\nProcessing and servicing\nTotal Transaction Costs\nTechnology and data analytics\nSales and marketing\nRestructuring and other\nGeneral and administrative\nTotal Operating Expenses\nOperating Income (Loss)\nReconciliation from Revenue to Revenue Less Transaction Costs and Revenue Less Transaction Costs ex-Provision\nTotal Revenue\nLess: Loss on loan purchase commitment\nLess: Provision for credit losses\nLess: Funding costs\nLess: Processing and servicing\nRevenue Less Transaction Costs\nPlus: Provision for credit losses\nRevenue Less Transaction Costs ex-Provision\nReconciliation from Operating Income (Loss) to Adjusted Operating Income (Loss)\nOperating Income (Loss)\nPlus: Depreciation and amortization\nPlus: Stock-based compensation expense\nPlus: Enterprise warrant and share-based expense\nPlus: Restructuring and other\nPlus: Other costs\nAdjusted Operating Income (Loss)", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:50.455+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6a84f3b5-10ff-40b9-9df7-2cdc4517895c", "parentComponentId": null }, { "bbox": { "h": 0.025, "w": 0.576, "x": 0.059, "y": 0.036 }, "kind": "title", "text": "Income Statement Reconciliations - Fiscal Year", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:50.455+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "70329889-63b8-4f69-a7d4-cb7ffbfd5609", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "9c112754-cb1c-46f0-b8e9-2baeb0a7ad7c", "evidence": "Table/data: Income Statement Reconciliations ($K)", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.038484+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 45, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 46, "type": "setup", "function": "decompose_segments", "rawType": "revenue_buildup", "block": null, "metadata": { "slideType": "revenue_buildup", "slideTypeCanon": { "name": "Revenue buildup", "slug": "revenue_buildup", "status": "active", "canonId": "019de52d-0acd-70b8-a81d-62d89840409b", "version": 1, "description": null }, "function": "decompose_segments", "functionCanon": { "name": "Decompose segments", "slug": "decompose_segments", "status": "active", "canonId": "019de52d-14f1-74f8-be75-beb0be1135ec", "version": 1, "description": null }, "density": "dense", "densityScore": 66, "componentCount": 4, "textChars": 2377, "nDataPoints": 108, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:55.765+00", "seconds": 9.282, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/46", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-46", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.079, "w": 0.89, "x": 0.079, "y": 0.901 }, "kind": "source-note", "text": "Notes:\n1.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\n2. 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\n3. Metrics are unaudited", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:55.765+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "182d5b54-7c1d-40af-a22d-8ccf85e0dba4", "parentComponentId": null }, { "bbox": { "h": 0.389, "w": 0.87, "x": 0.109, "y": 0.099 }, "kind": "table", "text": "Three Months Ended December 31, 2024\nGAAP, D&A, Stock-Based Compensation Expense, Enterprise Warrant & Share Based Expenses, Restructuring and other (1), Other costs (2), Non-GAAP\nLoss on loan purchase commitment: 70,278, 0, 0, 0, 0, 0, 70,278\nProvision for credit losses: 152,980, 0, 0, 0, 0, 0, 152,980\nFunding costs: 107,762, 0, 0, 0, 0, 0, 107,762\nProcessing and servicing: 115,960, 30, 220, 0, 0, 0, 115,710\nTotal Transaction Costs: 446,980, 30, 220, 0, 0, 0, 446,730\nTechnology and data analytics: 148,213, 53,683, 23,677, 0, 0, 0, 70,853\nSales and marketing: 136,038, 664, 4,482, 101,032, 0, 0, 29,860\nGeneral and administrative: 139,412, 573, 57,719, 0, 0, 0, 81,120\nRestructuring and other: 60, 0, 0, 0, 60, 0, 0\nOther Operating Expenses: 423,723, 54,920, 85,878, 101,032, 60, 0, 181,833\nTotal Operating Expenses: 870,703, 54,950, 86,098, 101,032, 60, -, 628,563", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:55.765+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3eb16437-58ca-46cd-ab48-3eb083c59fb7", "parentComponentId": null }, { "bbox": { "h": 0.389, "w": 0.87, "x": 0.109, "y": 0.503 }, "kind": "table", "text": "Three Months Ended September 30, 2024\nGAAP, D&A, Stock-Based Compensation Expense, Enterprise Warrant & Share Based Expenses, Restructuring and other (1), Other costs (2), Non-GAAP\nLoss on loan purchase commitment: 54,237, 0, 0, 0, 0, 0, 54,237\nProvision for credit losses: 159,824, 0, 0, 0, 0, 0, 159,824\nFunding costs: 104,145, 0, 0, 0, 0, 0, 104,145\nProcessing and servicing: 95,146, 32, 0, 0, 0, 0, 94,852\nTotal Transaction Costs: 413,352, 32, 262, 0, 0, 0, 413,058\nTechnology and data analytics: 134,290, 45,392, 25,972, 0, 0, 0, 62,926\nSales and marketing: 145,233, 686, 5,195, 121,519, 0, 0, 17,833\nGeneral and administrative: 138,482, 605, 62,804, 0, 0, 0, 75,073\nRestructuring and other: (255), 0, 0, 0, (255), 0, 0\nOther Operating Expenses: 417,750, 46,683, 93,971, 121,519, (255), 0, 155,833\nTotal Operating Expenses: 831,102, 46,715, 94,233, 121,519, (255), -, 568,890", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:55.765+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a0287fa5-60ed-4790-b043-f0cd1e68388b", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.799, "x": 0.059, "y": 0.036 }, "kind": "title", "text": "GAAP to Non-GAAP Expense Reconciliations, H1'25", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:55.765+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "42946691-bb80-4717-9b02-3177c7ec2901", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "7f01f38f-66f1-4d89-a8b1-4d9cb909b527", "evidence": "Table/data: Three Months Ended September 30, 2024 GAAP, D&A, Stock-Based Compensation Expense", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.100045+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 46, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 47, "type": "setup", "function": "decompose_segments", "rawType": "revenue_buildup", "block": null, "metadata": { "slideType": "revenue_buildup", "slideTypeCanon": { "name": "Revenue buildup", "slug": "revenue_buildup", "status": "active", "canonId": "019de52d-0acd-70b8-a81d-62d89840409b", "version": 1, "description": null }, "function": "decompose_segments", "functionCanon": { "name": "Decompose segments", "slug": "decompose_segments", "status": "active", "canonId": "019de52d-14f1-74f8-be75-beb0be1135ec", "version": 1, "description": null }, "density": "dense", "densityScore": 66, "componentCount": 4, "textChars": 2212, "nDataPoints": 108, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:56.68+00", "seconds": 9.963, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/47", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-47", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.06, "w": 0.879, "x": 0.079, "y": 0.923 }, "kind": "source-note", "text": "Notes:\n1. 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\nbeginning March 31, 2023\n2. 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\ninclude expenses related to exit and disposal activities, including one-time employee termination benefits\n3. Metrics are unaudited", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:56.68+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "87018085-cbbf-49c4-8130-bb5cc80cfa10", "parentComponentId": null }, { "bbox": { "h": 0.404, "w": 0.919, "x": 0.049, "y": 0.509 }, "kind": "table", "text": "Three Months Ended March 31, 2024\nGAAP\nD&A\nStock-Based Compensation Expense\nEnterprise Warrant & Share Based Expenses\nRestructuring and other (1)\nOther costs (2)\nNon-GAAP\nLoss on loan purchase commitment\n44,143\n0\n0\n0\n0\n0\n44,143\nProvision for credit losses\n122,443\n0\n0\n0\n0\n0\n122,443\nFunding costs\n90,449\n0\n0\n0\n0\n0\n90,449\nProcessing and servicing\n88,209\n58\n165\n0\n0\n0\n87,986\nTotal Transaction Costs\n345,244\n58\n165\n0\n0\n0\n345,021\nTechnology and data analytics\n124,828\n43,841\n21,105\n0\n0\n0\n59,882\nSales and marketing\n132,950\n683\n3,858\n111,829\n0\n0\n16,580\nGeneral and administrative\n128,721\n606\n51,947\n0\n0\n0\n76,168\nRestructuring and other\n5,203\n0\n0\n0\n5,203\n0\n0\nOther Operating Expenses\n391,702\n45,130\n76,910\n111,829\n5,203\n0\n152,630\nTotal Operating Expenses\n736,946\n45,189\n77,075\n111,829\n5,203\n0\n497,651", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:56.68+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1d62eaa6-f688-417a-b45b-ea36a2e9fc7a", "parentComponentId": null }, { "bbox": { "h": 0.404, "w": 0.919, "x": 0.049, "y": 0.09 }, "kind": "table", "text": "Three Months Ended June 30, 2024\nGAAP\nD&A\nStock-Based Compensation Expense\nEnterprise Warrant & Share Based Expenses\nRestructuring and other (1)\nOther costs (2)\nNon-GAAP\nLoss on loan purchase commitment\n47,756\n0\n0\n0\n0\n0\n47,756\nProvision for credit losses\n117,609\n0\n0\n0\n0\n0\n117,609\nFunding costs\n95,256\n0\n0\n0\n0\n0\n95,256\nProcessing and servicing\n89,166\n35\n114\n0\n0\n0\n89,017\nTotal Transaction Costs\n349,787\n35\n114\n0\n0\n0\n349,638\nTechnology and data analytics\n124,231\n42,875\n17,789\n0\n0\n0\n63,567\nSales and marketing\n135,324\n757\n2,746\n114,226\n0\n0\n17,595\nGeneral and administrative\n123,459\n616\n44,264\n0\n0\n0\n78,579\nRestructuring and other\n(156)\n0\n0\n0\n(156)\n0\n0\nOther Operating Expenses\n382,858\n44,249\n64,799\n114,226\n(156)\n0\n159,740\nTotal Operating Expenses\n732,645\n44,284\n64,913\n114,226\n(156)\n0\n509,378", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:56.68+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4a09faa3-189c-4348-b116-d1192a99c3a9", "parentComponentId": null }, { "bbox": { "h": 0.025, "w": 0.66, "x": 0.049, "y": 0.03 }, "kind": "title", "text": "GAAP to Non-GAAP Expense Reconciliations, H2'24", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:56.68+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "bcd7a808-c55c-4fa8-b318-ebe6f1322be5", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "749daf80-e3df-4382-a2ae-427b47f2db09", "evidence": "Table/data: Three Months Ended March 31, 2024 GAAP, D&A, Stock-Based Compensation Expense", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.161441+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 47, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 48, "type": "setup", "function": "decompose_segments", "rawType": "revenue_buildup", "block": null, "metadata": { "slideType": "revenue_buildup", "slideTypeCanon": { "name": "Revenue buildup", "slug": "revenue_buildup", "status": "active", "canonId": "019de52d-0acd-70b8-a81d-62d89840409b", "version": 1, "description": null }, "function": "decompose_segments", "functionCanon": { "name": "Decompose segments", "slug": "decompose_segments", "status": "active", "canonId": "019de52d-14f1-74f8-be75-beb0be1135ec", "version": 1, "description": null }, "density": "dense", "densityScore": 66, "componentCount": 4, "textChars": 2398, "nDataPoints": 108, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:56.681+00", "seconds": 9.402, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/48", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-48", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.076, "w": 0.906, "x": 0.05, "y": 0.901 }, "kind": "source-note", "text": "Notes:\n1.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\nbeginning March 31, 2023\n2. 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\nInclude expenses related to exit and disposal activities, act including one-time employee termination benefits\n3. Metrics are unaudited", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:56.681+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8a192436-829c-4bc8-852f-ef7dcca135a2", "parentComponentId": null }, { "bbox": { "h": 0.389, "w": 0.906, "x": 0.046, "y": 0.09 }, "kind": "table", "text": "Three Months Ended December 31, 2023\nGAAP, D&A, Stock-Based Compensation Expense, Enterprise Warrant & Share Based Expenses, Restructuring and other (1), Other costs (2), Non-GAAP\nLoss on loan purchase commitment: 53,630, 0, 0, 0, 0, 0, 53,630\nProvision for credit losses: 120,880, 0, 0, 0, 0, 0, 120,880\nFunding costs: 84,617, 0, 0, 0, 0, 0, 84,617\nProcessing and servicing: 90,203, 158, 1,353, 0, 0, 0, 88,692\nTotal Transaction Costs: 349,330, 158, 1,353, 0, 0, 0, 347,819\nTechnology and data analytics: 119,833, 38,531, 22,567, 0, 0, 0, 58,735\nSales and marketing: 161,265, 721, 4,305, 134,167, 0, 0, 22,072\nGeneral and administrative: 132,777, 962, 61,939, 0, 0, 0, 69,876\nRestructuring and other: 56, 0, 0, 0, 56, 0, 0\nOther Operating Expenses: 413,931, 40,213, 88,811, 134,167, 56, 0, 150,683\nTotal Operating Expenses: 763,261, 40,372, 90,164, 134,167, 56, -, 498,502", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:56.681+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0199d782-c82f-448d-a7ed-71c76fcfb247", "parentComponentId": null }, { "bbox": { "h": 0.389, "w": 0.906, "x": 0.046, "y": 0.503 }, "kind": "table", "text": "Three Months Ended September 30, 2023\nGAAP, D&A, Stock-Based Compensation Expense, Enterprise Warrant & Share Based Expenses, Restructuring and other (1), Other costs (2), Non-GAAP\nLoss on loan purchase commitment: 34,866, 0, 0, 0, 0, 0, 34,866\nProvision for credit losses: 99,696, 0, 0, 0, 0, 0, 99,696\nFunding costs: 73,931, 0, 0, 0, 0, 0, 73,931\nProcessing and servicing: 75,671, 99, 1,575, 0, 0, 0, 73,997\nTotal Transaction Costs: 284,164, 99, 1,575, 0, 0, 0, 282,490\nTechnology and data analytics: 132,965, 31,676, 35,135, 0, 0, 0, 66,154\nSales and marketing: 146,866, 7,681, 5,465, 115,373, 0, 0, 18,347\nGeneral and administrative: 140,334, 604, 70,184, 0, 0, (66), 69,612\nRestructuring and other: 1,665, 0, 0, 0, 1,665, 0, 0\nOther Operating Expenses: 421,830, 39,961, 110,784, 115,373, 1,665, (66), 154,113\nTotal Operating Expenses: 705,994, 40,060, 112,359, 115,373, 1,665, (66), 436,603", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:56.681+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6ac7a998-7734-4005-a8b3-a59c2fabcddc", "parentComponentId": null }, { "bbox": { "h": 0.025, "w": 0.69, "x": 0.049, "y": 0.036 }, "kind": "title", "text": "GAAP to Non-GAAP Expense Reconciliations, H1'24", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:56.681+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "bf2eb06c-ddcd-4c59-b0db-3b74c3e9277a", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "27ad87b0-d567-4b48-b73c-9624c5851c1e", "evidence": "Table/data: Three Months Ended September 30, 2023 GAAP, D&A, Stock-Based Compensation Expense", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.225719+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 48, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 49, "type": "appendix", "function": "analyze_data", "rawType": "other", "block": null, "metadata": { "slideType": "other", "slideTypeCanon": { "name": "Other (fallback)", "slug": "other", "status": "active", "canonId": "019de52d-0af5-71ed-83de-d51ae245fc43", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 66, "componentCount": 4, "textChars": 2407, "nDataPoints": 108, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:56.029+00", "seconds": 8.645, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/49", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-49", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.07, "w": 0.889, "x": 0.077, "y": 0.91 }, "kind": "source-note", "text": "Notes:\n1.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\nbeginning March 31, 2023\n2. 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\ninclude expenses related to exit and disposal activities, including one-time employee termination benefits\n3. Metrics are unaudited", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:56.029+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0387275b-6330-4104-99ed-2e432f1d434f", "parentComponentId": null }, { "bbox": { "h": 0.399, "w": 0.919, "x": 0.049, "y": 0.09 }, "kind": "table", "text": "Three Months Ended June 30, 2023\nGAAP, D&A, Stock-Based Compensation Expense, Enterprise Warrant & Share Based Expenses, Restructuring and other (1), Other costs (2), Non-GAAP\nLoss on loan purchase commitment: 35,009, 0, 0, 0, 0, 0, 35,009\nProvision for credit losses: 94,483, 0, 0, 0, 0, 0, 94,483\nFunding costs: 63,008, 0, 0, 0, 0, 0, 63,008\nProcessing and servicing: 71,247, 109, 1,411, 0, 0, 0, 69,727\nTotal Transaction Costs: 263,747, 109, 1,411, 0, 0, 0, 262,227\nTechnology and data analytics: 152,318, 34,737, 44,394, 0, 0, 0, 73,187\nSales and marketing: 145,131, 7,773, 6,397, 110,467, 0, 0, 20,493\nGeneral and administrative: 127,521, 660, 51,135, 0, 0, 517, 75,208\nRestructuring and other: 936, 0, 0, 0, 936, 0, 0\nOther Operating Expenses: 425,906, 43,170, 101,926, 110,467, 936, 517, 168,889\nTotal Operating Expenses: 689,653, 43,279, 103,337, 110,467, 936, 517, 431,116", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:56.029+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4cf74d6d-2b9d-411d-9ef0-e9dcf09abe61", "parentComponentId": null }, { "bbox": { "h": 0.399, "w": 0.919, "x": 0.049, "y": 0.507 }, "kind": "table", "text": "Three Months Ended March 31, 2023\nGAAP, D&A, Stock-Based Compensation Expense, Enterprise Warrant & Share Based Expenses, Restructuring and other (1), Other costs (2), Non-GAAP\nLoss on loan purchase commitment: 31,224, 0, 0, 0, 0, 0, 31,224\nProvision for credit losses: 66,438, 0, 0, 0, 0, 0, 66,438\nFunding costs: 51,188, 0, 0, 0, 0, 0, 51,188\nProcessing and servicing: 65,229, 100, 1,120, 0, 0, 0, 64,009\nTotal Transaction Costs: 214,079, 100, 1,120, 0, 0, 0, 212,859\nTechnology and data analytics: 161,792, 39,167, 45,040, 0, 0, 0, 77,585\nSales and marketing: 140,942, 5,890, 5,840, 112,961, 0, 0, 16,251\nGeneral and administrative: 139,266, 911, 54,789, 0, 0, 2,858, 80,708\nRestructuring and other: 34,934, 0, 0, 0, 34,934, 0, 0\nOther Operating Expenses: 476,934, 45,968, 105,669, 112,961, 34,934, 2,858, 174,544\nTotal Operating Expenses: 691,013, 46,068, 106,789, 112,961, 34,934, 2,858, 387,403", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:56.029+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d67bc39e-d30d-4625-9d27-d84b8bc9a321", "parentComponentId": null }, { "bbox": { "h": 0.025, "w": 0.66, "x": 0.049, "y": 0.036 }, "kind": "title", "text": "GAAP to Non-GAAP Expense Reconciliations, H2'23", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:56.029+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1976b8c7-6f61-49df-8a87-481df75aa1b2", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "eea36729-d20e-4ef0-a462-1754f15ed030", "evidence": "Table/data: Three Months Ended March 31, 2023 GAAP, D&A, Stock-Based Compensation Expense", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:08:50.286415+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 49, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 50, "type": "setup", "function": "decompose_segments", "rawType": "revenue_buildup", "block": null, "metadata": { "slideType": "revenue_buildup", "slideTypeCanon": { "name": "Revenue buildup", "slug": "revenue_buildup", "status": "active", "canonId": "019de52d-0acd-70b8-a81d-62d89840409b", "version": 1, "description": null }, "function": "decompose_segments", "functionCanon": { "name": "Decompose segments", "slug": "decompose_segments", "status": "active", "canonId": "019de52d-14f1-74f8-be75-beb0be1135ec", "version": 1, "description": null }, "density": "dense", "densityScore": 66, "componentCount": 4, "textChars": 2535, "nDataPoints": 108, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:58.684+00", "seconds": 9.238, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/50", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-50", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.069, "w": 0.899, "x": 0.049, "y": 0.918 }, "kind": "source-note", "text": "Notes:\n1.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\nbeginning March 31, 2023\n2. 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\ninclude expenses related to exit and disposal activities, including one-time employee termination benefits\n3. Metrics are unaudited", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:58.684+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9c88942f-97c6-4c32-b051-558625c14a0e", "parentComponentId": null }, { "bbox": { "h": 0.41, "w": 0.91, "x": 0.045, "y": 0.49 }, "kind": "table", "text": "Three Months Ended September 30, 2022\nGAAP, D&A, Stock-Based Compensation Expense, Enterprise Warrant & Share Based Expenses, Restructuring and other (1), Other costs (2), Non-GAAP\nLoss on loan purchase commitment: $35,610, $0, $0, $0, $0, $0, $35,610\nProvision for credit losses: $64,250, $0, $0, $0, $0, $0, $64,250\nFunding costs: $25,066, $0, $0, $0, $0, $0, $25,066\nProcessing and servicing: $54,359, $95, $912, $0, $0, $0, $53,352\nTotal Transaction Costs: $179,285, $95, $912, $0, $0, $0, $178,278\nTechnology and data analytics: $144,961, $17,963, $43,428, $0, $0, $0, $83,570\nSales and marketing: $163,873, $2,199, $8,128, $128,205, $0, $0, $25,341\nGeneral and administrative: $160,972, $625, $67,340, $0, $0, $5, $93,002\nRestructuring and other: $0, $0, $0, $0, $0, $0, $0\nOther Operating Expenses: $469,806, $20,787, $118,896, $128,205, $0, $5, $201,913\nTotal Operating Expenses: $649,091, $20,882, $119,808, $128,205, $0, $5, $380,191", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:58.684+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "25da1047-bc59-4c81-8702-e1aaea2c2653", "parentComponentId": null }, { "bbox": { "h": 0.41, "w": 0.91, "x": 0.045, "y": 0.07 }, "kind": "table", "text": "Three Months Ended December 31, 2022\nGAAP, D&A, Stock-Based Compensation Expense, Enterprise Warrant & Share Based Expenses, Restructuring and other (1), Other costs (2), Non-GAAP\nLoss on loan purchase commitment: $38,422, $0, $0, $0, $0, $0, $38,422\nProvision for credit losses: $106,689, $0, $0, $0, $0, $0, $106,689\nFunding costs: $43,751, $0, $0, $0, $0, $0, $43,751\nProcessing and servicing: $66,508, $108, $1,033, $0, $0, $0, $65,367\nTotal Transaction Costs: $255,370, $108, $1,033, $0, $0, $0, $254,229\nTechnology and data analytics: $156,747, $20,154, $48,534, $0, $0, $0, $88,059\nSales and marketing: $188,334, $2,161, $5,549, $147,516, $0, $1,930, $31,179\nGeneral and administrative: $158,639, $581, $66,659, $0, $0, $3,273, $88,126\nRestructuring and other: $0, $0, $0, $0, $0, $0, $0\nOther Operating Expenses: $503,720, $22,896, $120,742, $147,516, $0, $5,203, $207,363\nTotal Operating Expenses: $759,090, $23,004, $121,775, $147,516, $0, $5,203, $461,592", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:58.684+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b5eda9b4-96cb-411a-babe-0382d2a74f53", "parentComponentId": null }, { "bbox": { "h": 0.025, "w": 0.66, "x": 0.049, "y": 0.036 }, "kind": "title", "text": "GAAP to Non-GAAP Expense Reconciliations, H1'23", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:58.684+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "378f8acd-6ee8-46d0-8b3f-007f43fde561", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "cffb645a-390d-4db4-ba30-7a1a12a65dd1", "evidence": "table/data: Three Months Ended December 31, 2022", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:09:04.524971+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 50, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 51, "type": "setup", "function": "decompose_segments", "rawType": "revenue_buildup", "block": null, "metadata": { "slideType": "revenue_buildup", "slideTypeCanon": { "name": "Revenue buildup", "slug": "revenue_buildup", "status": "active", "canonId": "019de52d-0acd-70b8-a81d-62d89840409b", "version": 1, "description": null }, "function": "decompose_segments", "functionCanon": { "name": "Decompose segments", "slug": "decompose_segments", "status": "active", "canonId": "019de52d-14f1-74f8-be75-beb0be1135ec", "version": 1, "description": null }, "density": "dense", "densityScore": 66, "componentCount": 4, "textChars": 2638, "nDataPoints": 108, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:58.774+00", "seconds": 9.082, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/51", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-51", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.08, "w": 0.889, "x": 0.075, "y": 0.901 }, "kind": "source-note", "text": "Notes:\n1.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\n2. 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\n3. Metrics are unaudited", "attrs": {}, "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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:58.774+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "85081808-9fb6-481f-8fc3-37950a76ba81", "parentComponentId": null }, { "bbox": { "h": 0.389, "w": 0.919, "x": 0.047, "y": 0.49 }, "kind": "table", "text": "Twelve Months Ended June 30, 2023\nGAAP, D&A, Stock-Based Compensation Expense, Enterprise Warrant & Share Based Expenses, Restructuring and other (1), Other costs (2), 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 Operating Expenses: $1,876,366, $132,821, $447,233, $499,150, $35,870, $8,583, $752,708\nTotal Operating Expenses: $2,788,847, $133,233, $451,709, $499,150, $35,870, $8,583, $1,660,301", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:58.774+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "78b05632-b86a-4bb4-9ce3-be77e16ca766", "parentComponentId": null }, { "bbox": { "h": 0.389, "w": 0.919, "x": 0.047, "y": 0.09 }, "kind": "table", "text": "Twelve Months Ended June 30, 2024\nGAAP, D&A, Stock-Based Compensation Expense, Enterprise Warrant & Share Based Expenses, Restructuring and other (1), Other costs (2), Non-GAAP\nLoss on loan purchase commitment: $180,395, $0, $0, $0, $0, $0, $180,395\nProvision for credit losses: $460,628, $0, $0, $0, $0, $0, $460,628\nFunding costs: $344,253, $0, $0, $0, $0, $0, $344,253\nProcessing and servicing: $343,249, $351, $3,207, $0, $0, $0, $339,691\nTotal Transaction Costs: $1,328,525, $351, $3,207, $0, $0, $0, $1,324,967\nTechnology and data analytics: $501,857, $156,924, $96,596, $0, $0, $0, $248,337\nSales and marketing: $576,405, $9,842, $16,374, $475,595, $0, $0, $74,594\nGeneral and administrative: $525,291, $2,788, $228,334, $0, $0, ($66), $294,236\nRestructuring and other: $6,768, $0, $0, $0, $6,768, $0, $0\nOther Operating Expenses: $1,610,321, $169,553, $341,304, $475,595, $6,768, ($66), $617,167\nTotal Operating Expenses: $2,938,846, $169,904, $344,511, $475,595, $6,768, ($66), $1,942,134", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:58.774+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "cb426b07-7e32-4832-a2f8-0cc91ab86fbb", "parentComponentId": null }, { "bbox": { "h": 0.026, "w": 0.719, "x": 0.059, "y": 0.036 }, "kind": "title", "text": "GAAP to Non-GAAP Expense Reconciliations (FY'23 & FY'24)", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:58.774+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "deeaafd7-916f-45d5-bc6f-2693ed74952a", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "2ea78c16-23f1-4d29-a8fa-c163020dcf02", "evidence": "table/data: Twelve Months Ended June 30, 2023", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:09:04.588844+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 51, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 52, "type": "setup", "function": "decompose_segments", "rawType": "revenue_buildup", "block": null, "metadata": { "slideType": "revenue_buildup", "slideTypeCanon": { "name": "Revenue buildup", "slug": "revenue_buildup", "status": "active", "canonId": "019de52d-0acd-70b8-a81d-62d89840409b", "version": 1, "description": null }, "function": "decompose_segments", "functionCanon": { "name": "Decompose segments", "slug": "decompose_segments", "status": "active", "canonId": "019de52d-14f1-74f8-be75-beb0be1135ec", "version": 1, "description": null }, "density": "dense", "densityScore": 55, "componentCount": 3, "textChars": 1438, "nDataPoints": 48, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 23:01:58.822+00", "seconds": 8.132, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/52", "deck": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808", "deckAnchor": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808#slide-52", "deckJson": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json" }, "components": [ { "bbox": { "h": 0.08, "w": 0.88, "x": 0.079, "y": 0.89 }, "kind": "source-note", "text": "Notes:\n1. 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\nbeginning March 31, 2023\n2. 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\ninclude expenses related to exit and disposal activities, including one-time employee termination benefits\n3. 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. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:58.822+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2d339aad-c55f-4446-8ce4-02a1652924ec", "parentComponentId": null }, { "bbox": { "h": 0.399, "w": 0.91, "x": 0.046, "y": 0.09 }, "kind": "table", "text": "Twelve Months Ended June 30, 2022\nGAAP\nD&A\nStock-Based Compensation Expense\nEnterprise Warrant & Share Based Expenses\nRestructuring and other (1)\nOther costs (2)\nNon-GAAP\nLoss on loan purchase commitment\n204,081\n0\n0\n0\n0\n0\n204,081\nProvision for credit losses\n255,272\n0\n0\n0\n0\n0\n255,272\nFunding costs\n69,694\n0\n0\n0\n0\n0\n69,694\nProcessing and servicing\n157,814\n604\n2,431\n0\n0\n0\n154,779\nTotal Transaction Costs\n686,861\n604\n2,431\n0\n0\n0\n683,826\nTechnology and data analytics\n418,643\n40,480\n116,531\n0\n0\n0\n261,631\nSales and marketing\n532,343\n7,544\n23,224\n343,268\n0\n0\n158,307\nGeneral and administrative\n577,493\n4,094\n248,797\n0\n0\n743\n323,859\nRestructuring and other\n0\n0\n0\n0\n0\n0\n0\nOther Operating Expenses\n1,528,479\n52,118\n388,552\n343,268\n0\n743\n743,797\nTotal Operating Expenses\n2,215,340\n52,722\n390,983\n343,268\n0\n743\n1,427,623", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:58.822+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1e75d01b-af33-40fa-bf4c-e6dabf10d683", "parentComponentId": null }, { "bbox": { "h": 0.036, "w": 0.629, "x": 0.059, "y": 0.03 }, "kind": "title", "text": "GAAP to Non-GAAP Expense Reconciliation (FY'22)", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 23:01:58.822+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "20f94635-12fe-4a99-9bca-a196d8b7d7c9", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "b1cedeaa-84af-48a7-88fe-f9246f18de32", "evidence": "table/data: Twelve Months Ended June 30, 2022", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:09:04.652382+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 52, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true } ], "arcBeats": [ { "from": 1, "to": 4, "label": "Problem", "description": "The presentation starts with an overview of Affirm's mission and business highlights" }, { "from": 5, "to": 9, "label": "Market Size", "description": "The presentation provides an overview of Affirm's GMV and business metrics" }, { "from": 10, "to": 19, "label": "Solution", "description": "The presentation outlines Affirm's diversified channels and partnerships" }, { "from": 20, "to": 36, "label": "Financials", "description": "The presentation provides detailed financial results and outlook" } ], "loops": [ { "from": 25, "to": 29, "label": "Cost Of Inaction", "description": "Highlight the importance of Affirm's lending approach" }, { "from": 34, "to": 36, "label": "Why Now", "description": "Explain why Affirm is well-positioned for growth" } ] }