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  "documentTitle": "Affirm | Results Presentation Deck | 52 slides",
  "authorId": "affirm",
  "authorName": "Affirm",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2025-02-01 00:00:00",
  "orientation": "landscape",
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  "pageNumber": 28,
  "pageCount": 52,
  "prevPage": 27,
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  "slideType": "kpi_overview",
  "function": "analyze_data",
  "density": "dense",
  "nDataPoints": 84,
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  "metadataConfidence": 0.9,
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  "slideHref": "/slides/019de518-d9e4-7174-a7f0-fba0f3e9d808/28",
  "deckHref": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808",
  "deckJsonHref": "/decks/019de518-d9e4-7174-a7f0-fba0f3e9d808.json",
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      "kind": "source-note",
      "text": "Notes:\n1. US loans only, excludes Pay in X (formerly known as Split Pay) loan transactions with 0% APR and 4-8 week term lengths and loans made for Peloton purchases\n2. Metrics are unaudited",
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      "kind": "table",
      "text": "As of the Three Months Ending\nSeptember 30 December 31 March 31 June 30\n30+ Days Delinquent\nFY 2019 3.3% 3.2% 2.7% 2.6%\nFY 2020 3.2% 2.9% 2.8% 1.8%\nFY 2021 1.4% 1.3% 1.2% 1.3%\nFY 2022 2.1% 2.1% 2.7% 2.5%\nFY 2023 3.2% 2.7% 2.5% 2.3%\nFY 2024 2.5% 2.5% 2.4% 2.5%\nFY 2025 2.8% 2.5%\n60+ Days Delinquent\nFY 2019 1.9% 1.8% 1.6% 1.5%\nFY 2020 1.8% 1.7% 1.6% 1.3%\nFY 2021 0.8% 0.7% 0.7% 0.7%\nFY 2022 1.2% 1.2% 1.6% 1.4%\nFY 2023 1.9% 1.6% 1.5% 1.3%\nFY 2024 1.5% 1.5% 1.4% 1.5%\nFY 2025 1.7% 1.5%\n90+ Days Delinquent\nFY 2019 0.9% 0.9% 0.7% 0.6%\nFY 2020 0.8% 0.8% 0.7% 0.6%\nFY 2021 0.4% 0.3% 0.3% 0.3%\nFY 2022 0.6% 0.6% 0.6% 0.6%\nFY 2023 0.9% 0.8% 0.7% 0.6%\nFY 2024 0.7% 0.7% 0.7% 0.6%\nFY 2025 0.8% 0.7%",
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      "kind": "title",
      "text": "Monthly Installment Loan Delinquency Rates Ex-Peloton",
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      "evidence": "Table/data: As of the Three Months Ending September 30 December 31 March 31 June 30 30+ Days Delinquent FY 2019 3.3% 3.2% 2.7% 2.6% FY 2020 3.2% 2.9% 2.8% 1.8% FY 2021 1.4% 1.3% 1.2% 1.3% FY 2022 2.1% 2.1% 2.7% 2.5% FY 2",
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      "arcName": "The Sequoia Pitch",
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      "beatName": "Financials",
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      "name": "Cost Of Inaction",
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      "bestFor": "Urgent budget requests, compliance, risk mitigation",
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      "evidence": "The presentation compares Affirm's delinquency performance to other consumer lenders",
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