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  "documentTitle": "Affirm | Results Presentation Deck | 47 slides",
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  "presentationDate": "2023-02-01 00:00:00",
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      "text": "Macroeconomic stress and the current interest rate curve will persist through the remainder of the fiscal year.\nFebruary restructuring plan expected to drive $77 million to $83 million in operating expenses and capitalized development costs through reduced employee cash compensation and benefits and reduced lease expenses. Charges associated with the restructuring plan will be excluded from financial results presented on a non-GAAP basis.\nSimilar to the fiscal third quarter of 2022, GMV and Revenue anticipated to decline sequentially in the fiscal third quarter.\nNo material impact to GMV, Revenue, or RLTC from the Debit+ card or other new product initiatives.",
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      "text": "Fiscal Q3 2023, Fiscal Year 2023, GMV, $4.40 to $4.50 billion, $19.00 to $20.00 billion, Revenue, $360 to $380 million, $1,475 to $1,550 million, Transaction Costs, $220 to $230 million, $865 to $890 million, Revenue Less Transaction Costs, $140 to $150 million, $610 to $660 million, Adjusted Operating Margin, (11) to (7) percent, (9.0) to (7.5) percent, Weighted Average Shares Outstanding, 298 million, 296 million",
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