Compare
Bread Financial Holdings, Inc. vs Affirm Holdings, Inc. vs Enova International, Inc. vs Happen, Inc.
| Latest fiscal year | Bread Financial Holdings, Inc. BFH | Affirm Holdings, Inc. AFRM | Enova International, Inc. ENVA | Happen, Inc. HAPN |
|---|---|---|---|---|
| Year ended | 2025-12-31 | 2026-06-30 | 2025-12-31 | 2025-12-31 |
| Revenue | $3.85B | $4.26B | $3.15B | $998.85M |
| Revenue growth (YoY) | +0.2% | +32.2% | +18.6% | +26.9% |
| Gross margin | n/a | n/a | 58.1% | n/a |
| Operating margin | n/a | 9.8% | 23.5% | n/a |
| Net margin | 13.5% | 45.3% | 9.8% | 13.6% |
| Net income | $518.00M | $1.93B | $308.39M | $135.68M |
| EPS (Diluted) | $10.89 | $5.53 | $11.52 | $1.16 |
| Operating cash flow | $2.09B | $1.23B | $1.82B | -$2.73B |
| Free cash flow | n/a | $992.63M | $1.77B | -$2.87B |
| Cash & equivalents | $3.60B | $1.63B | $71.71M | n/a |
| Total assets | $22.66B | $15.79B | $6.47B | $11.57B |
| Total liabilities | $19.34B | $10.31B | $5.13B | $10.07B |
| Shareholders' equity | $3.33B | $5.48B | $1.34B | $1.50B |
| Return on year-end equity | 15.6% | 35.2% | 23.1% | 9.0% |
| Shares outstanding | 44.10M | n/a | 24.72M | 115.37M |
Revenue, most recent five fiscal years
| Fiscal year | Bread Financial Holdings, Inc. | Affirm Holdings, Inc. | Enova International, Inc. | Happen, Inc. |
|---|---|---|---|---|
| Latest | $3.85B Ended 2025-12-31 | $4.26B Ended 2026-06-30 | $3.15B Ended 2025-12-31 | $998.85M Ended 2025-12-31 |
| 1 year earlier | $3.84B Ended 2024-12-31 | $3.22B Ended 2025-06-30 | $2.66B Ended 2024-12-31 | $787.01M Ended 2024-12-31 |
| 2 years earlier | $4.29B Ended 2023-12-31 | $2.32B Ended 2024-06-30 | $2.12B Ended 2023-12-31 | $864.62M Ended 2023-12-31 |
| 3 years earlier | $3.83B Ended 2022-12-31 | $1.59B Ended 2023-06-30 | $1.74B Ended 2022-12-31 | $1.19B Ended 2022-12-31 |
| 4 years earlier | $3.27B Ended 2021-12-31 | $1.35B Ended 2022-06-30 | $1.21B Ended 2021-12-31 | $818.63M Ended 2021-12-31 |