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  "documentTitle": "Affirm | Results Presentation Deck | 52 slides",
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  "authorName": "Affirm",
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  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2024-08-01 00:00:00",
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      "text": "Line chart showing merchant fee rates for Core 0% Long, Core 0% Short, Core IB, and Pay in 4 from FY Q4'22 to FY Q4'24.",
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          "Core 0% Long",
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      "text": "Notes:\n1. Includes lending transactions with Affirm integrated merchants in the US only\n2. Core 0% Long includes loans with term lengths greater than 12 months and 0% APR; Core 0% Short includes loans with term lengths at least three months long but less than or equal to 12 months and 0% APR; Core IB includes loans with interest; Pay in 4 (formerly known as Split Pay) includes loans with 0% APR and 6-8 week term lengths\n3. Excludes Non-Integrated Virtual Card and Affirm Card interchange rates (which are principally set by card networks), loans made outside of the US, PayNow transactions and Returnly transactions\n4. Metrics are unaudited",
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      "kind": "subtitle",
      "text": "Illustrative merchant fees, transaction fees, and virtual card network fees divided by product level GMV",
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      "text": "Merchant Fee Rates",
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      "evidence": "chart/waterfall: 12 Months Ending June 30, 2024; Net Income (Loss) $(518); Other Income (Expense) $(100); Income Tax Benefit (Expense) $2; Operating Income (Loss) $(616); Depreciation and Amortization $170; Stock-Based C",
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