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      "text": "2. Adjusted Operating Margin is a non-GAAP financial measure that is equal to operating income (loss) excluding (a) depreciation and amortization; (b) stock-based compensation included in GAAP operating expenses; (c) the expense related to warrants and share-based payments granted to enterprise partners; and (d) certain other costs, divided by total revenue.",
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      "text": "1. Adjusted Other Operating Expenses is a non-GAAP financial measure that is equal to total operating expenses excluding (a) transaction costs; (b) depreciation and amortization; (c) stock-based compensation included in GAAP operating expenses; (d) the expense related to warrants and share-based payments granted to enterprise partners; and (e) certain other costs.",
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      "text": "FY 2023P growth rates and margins correspond to Affirm's FY23 Financial Outlook, as provided on August 25, 2022; \"Growth\" and \"Long Term\" Growth rates and margins correspond to Affirm's long-term financial framework presented on September 28, 2021. All metrics are unaudited.",
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      "text": "GMV Growth 79% 87% 32-42% 30-40% 20-30%\nTotal Revenue Growth 71% 55% 20-28% 20-30%\nRevenue as a % of GMV 10% 9% ~8% ~8% 6-8%\nRevenue Less Transaction Costs as a % of GMV 5% 4% ~4% 3-4% 3-4%\nRevenue Less Transaction Costs as a % of Revenue 50% 49% ~47% 37.5-50% 37.5-50%\nAdjusted Other Operating Expenses as a % of Revenue¹ 48% 55% 51-53% 37.5-40% 17.5-20%\nAdjusted Operating Margin² 2% (6)% (6.5)%-(4.5)% 0-10% 20-30%",
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      "text": "Disciplined Investment Approach Based on Growth",
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