Affirm Results Presentation Deck
Loans Held for Investment by ITACS Score
($ in 000s)
September 30 December 31
2021
2021
Amortized Cost Basis of Loans Held for Investment by ITACS Score
$
1,402,266 $ 1,392,997 $
96+
94-96
90-94
<90
No score
Total loan receivables
96+
94-96
90-94
<90
No score
451,859
Total loan receivables
171,723
55,738
148,231
63 %
20 %
Percentage of Amortized Cost Basis of Loans Held for Investment by ITACS Score
8
2
7
190,797
$ 2,229,817 $ 2,433,340 $ 2,486,088
%
%
532,108
%
229,844
100 %
87,594
57 %
22
9
4
%
%
%
March 31
2022
8 %
1,409,388
100 %
584,290
232,187
59,753
200,470
57
24
9
%
%
%
2 %
8 %
100 %
June 30
2022
$ 1,374,223
632,431
223,952
44,437
210,491
Three Months Ending
September 30
2022
55 %
25 %
9 %
2 %
8
00
%
$
100 %
1,539,374
663,923
161,883
34,795
$ 2,485,534 $ 2,665,384 $ 3,622,993
265,409
58 %
25
6
1
%
%
%
10 %
December 31
2022
100 %
$ 2,211,085
900,297
127,076
28,979
355,556
61 %
25
4
1
%
%
%
10 %
100 %
March 31
2023
$ 2,322,665 $ 2,689,847
905,258
107,785
19,589
386,419
62 %
24 %
3 %
1
$ 3,741,716 $ 4,361,965
10
%
June 30
2023
%
100 %
1,112,832
137,088
14,992
407,206
Notes:
1. Metrics are unaudited
affirm) 2. Table presents ITACS score distribution of the unpaid principal balance of loans held for investment
3. Balance for loans with "No score" represents loan receivables in experimental products or new markets without sufficient data currently available for use by the Affirm scoring methodology
62 %
26 %
3 %
I
%
9 %
100 %
September 30
2023
$
2,724,435
1,183,422
163,444
16,013
415,077
$ 4,502,391
61 %
26 %
4 %
I
%
9 %
100 %
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