Affirm Investor Day Presentation Deck
Cautionary note about forward-looking statements
This document contains forward-looking statements within the meaning of Section 27A of the Securities Act of
1933, as amended (the "Securities Act"), and Section 21E of the Securities Exchange Act of 1934, as amended, that
involve risks and uncertainties. All statements other than statements of historical fact are forward-looking
statements, including statements regarding: the Company's strategy and future operations, including the
Company's partnerships with certain key merchants and commerce platforms as well as its engagement with
existing and prospective originating bank partners; the development, innovation, introduction and performance
of, and demand for, the Company's products, including Affirm Card; the Company's ability to maintain funding
sources to support its business; acquisition and retention of merchants and consumers; the Company's future
growth, investments, network expansion, product mix, brand awareness, financial position, gross merchandise
volume, revenue, transaction costs, operating income, provision for credit losses, and cash flows; and general
economic trends and trends in the Company's industry and markets. These forward-looking statements involve
known and unknown risks, uncertainties and other important factors that may cause the Company's actual
results, performance or achievements to be materially different from any future results, performance or
achievements expressed or implied by the forward-looking statements.
Risks, uncertainties and assumptions include factors relating to: the Company's need to attract additional
merchants, partners and consumers and retain and grow its relationships with existing merchants, partners and
consumers; the highly competitive and evolving nature of its industry; its need to maintain a consistently high level
of consumer satisfaction and trust in its brand; the concentration of a large percentage of its revenue and GMV
with a small number of merchant partners and commerce platforms; its ability to sustain its revenue growth rate
or the growth rate of its related key operating metrics; its ability to successfully maintain its relationship with
AFFIRM | 2023
existing originating bank partners and engage additional originating bank partners; its ability to maintain, renew
or replace its existing funding arrangements and build and grow new funding relationships; the impact of any of
its existing funding sources becoming unwilling or unable to provide funding to it on terms acceptable to it, or at
all; its ability to effectively underwrite loans facilitated through its platform and accurately price credit risk; the
performance of loans facilitated through its platform; the impact of increases in market interest rates and
negotiated interest rate spreads on its business; the terms of its securitizations, warehouse credit facilities and
forward flow agreements; the impact on its business of general economic conditions, including the impact of
inflation, increasing recessionary concerns, instability of financial institutions, the financial performance of its
merchants, and fluctuations in the U.S. consumer credit market; its ability to achieve sustained profitability in the
future; its ability to grow effectively through acquisitions or other strategic investments or alliances; seasonal or
other fluctuations in its revenue and GMV as a result of consumer spending patterns; pending and future litigation,
regulatory actions and/or compliance issues; developments in its regulatory environment; the impact of the
reduction in its workforce announced in February 2023, including its ability to continue to attract and retain highly
skilled employees; and other risks that are described in its most recent Annual Report on Form 10-K, and in its other
filings with the U.S. Securities and Exchange Commission.
These forward-looking statements reflect the Com ny's views with respect to future events as of the date
hereof and are based on assumptions and subject to risks and uncertainties. Given these uncertainties, investors
should not place undue reliance on these forward-looking statements. The forward-looking statements are made
as of the date hereof, and the Company assumes no obligation and does not intend to update these forward-
looking statements.
affirm
2View entire presentation