Compare
Affirm Holdings, Inc. vs Bread Financial Holdings, Inc. vs Enova International, Inc. vs Regional Management Corp.
| Latest fiscal year | Affirm Holdings, Inc. AFRM | Bread Financial Holdings, Inc. BFH | Enova International, Inc. ENVA | Regional Management Corp. RM |
|---|---|---|---|---|
| Year ended | 2026-06-30 | 2025-12-31 | 2025-12-31 | 2025-12-31 |
| Revenue | $4.26B | $3.85B | $3.15B | $645.60M |
| Revenue growth (YoY) | +32.2% | +0.2% | +18.6% | +9.7% |
| Gross margin | n/a | n/a | 58.1% | n/a |
| Operating margin | 9.8% | n/a | 23.5% | n/a |
| Net margin | 45.3% | 13.5% | 9.8% | 6.9% |
| Net income | $1.93B | $518.00M | $308.39M | $44.41M |
| EPS (Diluted) | $5.53 | $10.89 | $11.52 | $4.45 |
| Operating cash flow | $1.23B | $2.09B | $1.82B | $309.07M |
| Free cash flow | $992.63M | n/a | $1.77B | $304.31M |
| Cash & equivalents | $1.63B | $3.60B | $71.71M | n/a |
| Total assets | $15.79B | $22.66B | $6.47B | $2.10B |
| Total liabilities | $10.31B | $19.34B | $5.13B | $1.73B |
| Shareholders' equity | $5.48B | $3.33B | $1.34B | $373.09M |
| Return on year-end equity | 35.2% | 15.6% | 23.1% | 11.9% |
| Shares outstanding | n/a | 44.10M | 24.72M | 9.55M |
Revenue, most recent five fiscal years
| Fiscal year | Affirm Holdings, Inc. | Bread Financial Holdings, Inc. | Enova International, Inc. | Regional Management Corp. |
|---|---|---|---|---|
| Latest | $4.26B Ended 2026-06-30 | $3.85B Ended 2025-12-31 | $3.15B Ended 2025-12-31 | $645.60M Ended 2025-12-31 |
| 1 year earlier | $3.22B Ended 2025-06-30 | $3.84B Ended 2024-12-31 | $2.66B Ended 2024-12-31 | $588.50M Ended 2024-12-31 |
| 2 years earlier | $2.32B Ended 2024-06-30 | $4.29B Ended 2023-12-31 | $2.12B Ended 2023-12-31 | $551.40M Ended 2023-12-31 |
| 3 years earlier | $1.59B Ended 2023-06-30 | $3.83B Ended 2022-12-31 | $1.74B Ended 2022-12-31 | $507.19M Ended 2022-12-31 |
| 4 years earlier | $1.35B Ended 2022-06-30 | $3.27B Ended 2021-12-31 | $1.21B Ended 2021-12-31 | $428.35M Ended 2021-12-31 |