Affirm Results Presentation Deck
Interest Income and Loans Held for Investment Composition
Interest Income Composition
Composition of Average Loans Held for Investment ("LHFI")
$2,464
$961
$52
$9
$43
18%
FY Q3'20
affirm
$49
$10
$39
2.
3.
21%
Notes:
1.
$54
$15
$39
27%
$74
$22
$51
30%
$95
$32
$63
33%
$104
$32
$72
31%
$117
$38
$79
33%
$138
$55
$83
40%
FY Q4'20 FY Q1'21 FY Q2'21 FY Q3'21 FY Q4'21 FY Q1'22 FY Q2'22
$135
$45
$89
Consumer & Other Interest Income ($M)
Amortization of Discount ($M)
Amortization of Discount as % of Total Interest Income
34%
FY Q3'22
$1,224
$1,001 $1,012 $306
$250
$314
31%
25%
25%
$751 $698 $918
FY Q3'20 FY Q4'20
FY Q1'21
$1,651
$809
$842
$2,335
$2,042 $2,109 $2,134 $957
$875
$886
$1,041
51%
42% 41% 41%
$1,001 $1,223 $1,259 $1,378 $1,503
39%
FY Q2'21 FY Q3'21 FY Q4'21 FY Q1'22 FY Q2'22 FY Q3'22
Avg. Interest Bearing LHFI Balance
Avg. 0% APR LHFI Balance
0% APR Balance % of Avg LHFI
Amortization of discount is driven by either loan purchases from originating bank partners or the origination of loans with 0% APR or below market interest rates; Consumer & Other Interest Income consists primarily of
interest charged to consumers over the term of the consumers' loans based on the principal outstanding
0% APR Loans Held For Investment include all loans that are not interest bearing, including Split Pay loans
Metrics are unaudited
14View entire presentation