{
  "docId": "019de518-794d-7428-afa2-ebfaeedfe7a0",
  "docSlug": "1e58d6453e7f6537cb968c2e27e0674d",
  "documentTitle": "Affirm | Results Presentation Deck | 52 slides",
  "authorId": "affirm",
  "authorName": "Affirm",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2024-08-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.7777778,
  "pageNumber": 29,
  "pageCount": 52,
  "prevPage": 28,
  "nextPage": 30,
  "slideType": "competitive_analysis",
  "function": "compare_peers",
  "density": "overcrowded",
  "nDataPoints": 100,
  "notes": null,
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  "metadataConfidence": 0.9,
  "imagePath": null,
  "slideHref": "/slides/019de518-794d-7428-afa2-ebfaeedfe7a0/29",
  "deckHref": "/decks/019de518-794d-7428-afa2-ebfaeedfe7a0",
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      "kind": "chart",
      "text": "Line chart showing 30+ day delinquencies as a percentage of monthly installment loan active balances for Affirm, Issuer A, Issuer B, Issuer C, Issuer D, and dv01 Consumer Unsecured Index from June 2022 to June 2024.",
      "attrs": {
        "series": [
          "Issuer A",
          "Issuer B",
          "Issuer C",
          "Issuer D",
          "dv01 Consumer Unsecured Index",
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        "x_axis_label": "Date",
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      "kind": "source-note",
      "text": "Notes: Select consumer lenders include Bread Financial, Capital One, Discover, and Synchrony Financial. Non-Prime receivable mix as of June 30, 2024 or most recently available period based upon publicly available data. Non-Prime is generally defined as a FICO score below 650 to 660. U.S. loans only. Affirm 30+ day delinquencies and non-Prime Receivables mix excludes Pay in 4 and Peloton loans. The dv01 consumer unsecured index looks at over 4.9 million active loans from leading U.S. online consumer lenders. dv01 delinquency data is owned by, and used with the permission of, dv01, Inc. and may not be reproduced or redistributed outside of this letter without dv01, Inc.'s prior consent. dv01 data reflects 30+ day loan impairments, which includes delinquencies and loan modifications. dv01 data is subject to subsequent revisions.",
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      "bbox": {
        "h": 0.02,
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        "x": 0.14,
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      },
      "kind": "subtitle",
      "text": "Affirm Delinquencies of 30+ days as % of Monthly Installment Loan Active Balances Ex-Peloton",
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        "h": 0.37,
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      },
      "kind": "table",
      "text": "% Non-Prime Receivables: Issuer C 42%, dv01 index n.a., Issuer A 27%, Issuer D 31%, Issuer B 20%, Affirm 42%",
      "attrs": {
        "rows": [
          "Issuer C",
          "dv01 index",
          "Issuer A",
          "Issuer D",
          "Issuer B",
          "Affirm"
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        "columns": [
          "% Non-Prime Receivables",
          "Value"
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      "kind": "title",
      "text": "30+ Day Delinquency Performance Against Select Consumer Lenders",
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      "beatId": "54791ef7-b8e8-4c32-a389-e4eb5ad84c38",
      "arcName": "The Sequoia Pitch",
      "arcSlug": "sequoia-pitch",
      "beatName": "Financials",
      "beatSlug": "sequoia-pitch-financials",
      "evidence": "The deck provides detailed financial information, including revenue, transaction costs, and operating expenses.",
      "position": 3,
      "confidence": 0.7,
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  "loops": [
    {
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      "name": "Cost Of Inaction",
      "slug": "27-cost-of-inaction",
      "bestFor": "Urgent budget requests, compliance, risk mitigation",
      "matchId": "38e83e7d-d1fa-4521-8d3f-81e1235b9ee3",
      "evidence": "The deck emphasizes the impact of delinquency rates on Affirm's financial performance.",
      "position": 1,
      "objective": "Highlight the importance of delinquency performance",
      "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point",
      "confidence": 0.6,
      "description": "Quantify what happens if the audience does nothing"
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