{
  "docId": "019de514-75da-72a5-94a7-a284d0eb82b0",
  "docSlug": "4a0e3bdf48693e560bf5d25a6e226751",
  "documentTitle": "Affirm | Results Presentation Deck | 28 slides",
  "authorId": "affirm",
  "authorName": "Affirm",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2022-11-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.7777778,
  "pageNumber": 25,
  "pageCount": 28,
  "prevPage": 24,
  "nextPage": 26,
  "slideType": "key_takeaways",
  "function": "analyze_data",
  "density": "dense",
  "nDataPoints": 24,
  "notes": "The chart uses a dual-color scheme to highlight the inverse relationship between volume and loss rates across credit tiers.",
  "elementsJson": null,
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019de514-75da-72a5-94a7-a284d0eb82b0/25",
  "deckHref": "/decks/019de514-75da-72a5-94a7-a284d0eb82b0",
  "deckJsonHref": "/decks/019de514-75da-72a5-94a7-a284d0eb82b0.json",
  "deckAnchorHref": "/decks/019de514-75da-72a5-94a7-a284d0eb82b0#slide-25",
  "components": [
    {
      "bbox": {
        "h": 0.6,
        "w": 0.85,
        "x": 0.08,
        "y": 0.25
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      "kind": "chart",
      "text": "Projected NACO and Volume Concentration (By Proprietary ITACS Score of Transaction)",
      "attrs": null,
      "subkind": "bar-grouped",
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    {
      "bbox": {
        "h": 0.06,
        "w": 0.7,
        "x": 0.05,
        "y": 0.92
      },
      "kind": "disclaimer",
      "text": "1. ITACS is Affirm's proprietary transaction credit scoring; dataset includes Affirm loans originated and purchased from originating bank partners in the United States\n2. Projected NACO defined as projected dollar losses on a vintage of loans divided by total loan volume (in dollars)\nAll metrics are unaudited.",
      "attrs": null,
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    {
      "bbox": {
        "h": 0.03,
        "w": 0.15,
        "x": 0.75,
        "y": 0.83
      },
      "kind": "legend",
      "text": "Volume (Blue) vs Projected NACO (Orange)",
      "attrs": null,
      "subkind": null,
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      "componentId": "e472c02d-128e-44fe-9691-b981f63118bb",
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        "x": 0.05,
        "y": 0.15
      },
      "kind": "title",
      "text": "High ITACS consumers drive the majority of our GMV, Revenue, and Profitability",
      "attrs": null,
      "subkind": "action-title",
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        "h": 0.05,
        "w": 0.9,
        "x": 0.05,
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      "kind": "title",
      "text": "Volume Concentrated in Highest Credit Quality Transactions",
      "attrs": null,
      "subkind": "headline",
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      "componentId": "2ab8cf0a-6c2d-4e32-b9d2-4ed2868eef7e",
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  "metrics": [],
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  "arcBeats": [
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      "beatId": "7061bf8f-4e3a-4078-b610-7136c574e70a",
      "arcName": "The Sequoia Pitch",
      "arcSlug": "sequoia-pitch",
      "beatName": "Solution",
      "beatSlug": "sequoia-pitch-solution",
      "evidence": "Slides 4-28 present Affirm's solution, including its platform, technology, and business model",
      "position": 2,
      "confidence": 0.9,
      "parentBeatName": "Turn",
      "parentBeatSlug": "turn"
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  ],
  "loops": [
    {
      "to": 28,
      "from": 3,
      "name": "Cost Of Inaction",
      "slug": "27-cost-of-inaction",
      "bestFor": "Urgent budget requests, compliance, risk mitigation",
      "matchId": "a92d1914-d006-488a-864f-8d8696cfbfb5",
      "evidence": "The deck implies that not using Affirm's products would result in missed opportunities for consumers and merchants",
      "position": 0,
      "objective": "What is the cost of not using Affirm's financial products?",
      "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point",
      "confidence": 0.7,
      "description": "Quantify what happens if the audience does nothing"
    },
    {
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      "from": 6,
      "name": "Why Now",
      "slug": "15-why-now",
      "bestFor": "Sales pitches, fundraising, requesting immediate budget approval",
      "matchId": "3dd438c3-4542-4ec9-8e3c-7a0cef84ca06",
      "evidence": "The deck presents a sense of urgency around the market opportunity and Affirm's competitive advantages",
      "position": 1,
      "objective": "Why is now the right time to invest in Affirm?",
      "structure": "The Context (Trends) -> The Trigger Event -> The Window of Opportunity",
      "confidence": 0.6,
      "description": "Create temporal urgency by proving that the window of opportunity is opening or closing"
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  ],
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  "thumbSrcAlt": null,
  "locked": true
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