{
  "docId": "019de517-7a1c-7618-b930-72d7decc1fe6",
  "docSlug": "cc70ceb96482a1a4714820e748a65bc6",
  "documentTitle": "Pagaya | Results Presentation Deck | 19 slides",
  "authorId": "pagaya",
  "authorName": "Pagaya",
  "documentKindSlug": "deck",
  "documentKindLabel": "Deck",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-11-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.7777778,
  "pageNumber": 16,
  "pageCount": 19,
  "prevPage": 15,
  "nextPage": 17,
  "slideType": "other",
  "function": "analyze_data",
  "density": "dense",
  "nDataPoints": 20,
  "notes": null,
  "elementsJson": null,
  "metadataConfidence": 0.9,
  "imagePath": null,
  "slideHref": "/slides/019de517-7a1c-7618-b930-72d7decc1fe6/16",
  "deckHref": "/decks/019de517-7a1c-7618-b930-72d7decc1fe6",
  "deckJsonHref": "/decks/019de517-7a1c-7618-b930-72d7decc1fe6.json",
  "deckAnchorHref": "/decks/019de517-7a1c-7618-b930-72d7decc1fe6#slide-16",
  "components": [
    {
      "bbox": {
        "h": 0.47,
        "w": 0.92,
        "x": 0.038,
        "y": 0.39
      },
      "kind": "chart",
      "text": "Line chart showing EWAC (%) and DQ (%) over quarterly vintages from 1Q21 to 1Q23. EWAC ranges from ~21% to ~23%, while DQ ranges from ~8% to ~11%.",
      "attrs": null,
      "subkind": "line",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "ebe671d0-04f4-44d6-af51-3d794c21d697",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.68,
        "x": 0.038,
        "y": 0.239
      },
      "kind": "paragraph",
      "text": "Pagaya auto loan portfolio effective weighted average coupon (\"EWAC\") vs. 60-day+ DQs plus cumulative gross loss (\"DQ\")\nFigures represent performance 6 months from issuance",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "99fb29dd-8921-4966-b131-ac75f6074a92",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.03,
        "w": 0.205,
        "x": 0.76,
        "y": 0.948
      },
      "kind": "source-note",
      "text": "Source: Pagaya internal data, as of 9/30/23\n*EWAC incorporates premiums and discounts on loans",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "833a7619-d2f9-43a4-8119-0638be2210d9",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.79,
        "x": 0.047,
        "y": 0.066
      },
      "kind": "title",
      "text": "Credit performance: auto loan portfolio",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "bac8c90f-81ad-4884-b0aa-67618a712bd0",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "Waterfall chart",
      "slug": "waterfall-chart",
      "agent": null,
      "layer": "slide",
      "matchId": "1b4a975d-5097-477a-9d09-934beb0064ab",
      "evidence": "Line chart showing EWAC (%) and DQ (%) over quarterly vintages from 1Q21 to 1Q23.",
      "confidence": 0.7
    }
  ],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 16,
      "from": 10,
      "beatId": "cb43bae5-6633-4053-bfab-826db03a4fd2",
      "arcName": "The Sparkline",
      "arcSlug": "sparkline",
      "beatName": "Development",
      "beatSlug": "development",
      "evidence": "The operating metrics and credit performance slides develop the story of Pagaya's success",
      "position": 2,
      "confidence": 0.7,
      "parentBeatName": null,
      "parentBeatSlug": null
    }
  ],
  "loops": [
    {
      "to": 16,
      "from": 11,
      "name": "Cost Of Inaction",
      "slug": "27-cost-of-inaction",
      "bestFor": "Urgent budget requests, compliance, risk mitigation",
      "matchId": "23484b1a-e177-4c78-b88f-15e5ff563ef1",
      "evidence": "The deck implies the cost of inaction through the presentation of credit performance and network volume",
      "position": 1,
      "objective": "Highlight the benefits of Pagaya's ABS funding network",
      "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point",
      "confidence": 0.5,
      "description": "Quantify what happens if the audience does nothing"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}