{
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  "documentTitle": "Affirm | Results Presentation Deck | 49 slides",
  "authorId": "affirm",
  "authorName": "Affirm",
  "documentKindSlug": "conference-presentation",
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  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-08-01 00:00:00",
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      "kind": "chart",
      "text": "Interest Income Composition\nFY Q4'21 - FY Q4'23\nConsumer & Other Interest Income ($M)\nAmortization of Discount ($M)\nAmortization of Discount as % of Total Interest Income",
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      "kind": "chart",
      "text": "Composition of Average Loans Held for Investment (\"LHFI\")\nFY Q4'21 - FY Q4'23\nAvg. Interest Bearing LHFI Balance ($M)\nAvg. 0% APR LHFI Balance ($M)\n0% APR Balance % of Avg LHFI",
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      "kind": "list",
      "text": "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\n0% APR Loans Held For Investment include all loans that are not interest bearing, including Pay in 4 (formerly known as Split Pay) loans\nMetrics are unaudited",
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      "text": "Notes:",
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      "kind": "title",
      "text": "Interest Income and Loans Held for Investment Composition",
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      "arcName": "The Sequoia Pitch",
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      "name": "Cost Of Inaction",
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      "bestFor": "Urgent budget requests, compliance, risk mitigation",
      "matchId": "439a3b8e-7a5a-4c00-b80f-67d04bbd8578",
      "evidence": "The presentation highlights the transaction costs and revenue less transaction costs",
      "position": 0,
      "objective": "Highlight the benefits of Affirm's financial products",
      "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point",
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      "description": "Quantify what happens if the audience does nothing"
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