Compare
Credit Acceptance Corp vs Enova International, Inc. vs Bread Financial Holdings, Inc. vs Affirm Holdings, Inc.
| Latest fiscal year | Credit Acceptance Corp CACC | Enova International, Inc. ENVA | Bread Financial Holdings, Inc. BFH | Affirm Holdings, Inc. AFRM |
|---|---|---|---|---|
| Year ended | 2025-12-31 | 2025-12-31 | 2025-12-31 | 2026-06-30 |
| Revenue | $2.32B | $3.15B | $3.85B | $4.26B |
| Revenue growth (YoY) | +7.2% | +18.6% | +0.2% | +32.2% |
| Gross margin | n/a | 58.1% | n/a | n/a |
| Operating margin | n/a | 23.5% | n/a | 9.8% |
| Net margin | 18.3% | 9.8% | 13.5% | 45.3% |
| Net income | $423.90M | $308.39M | $518.00M | $1.93B |
| EPS (Diluted) | $36.38 | $11.52 | $10.89 | $5.53 |
| Operating cash flow | $1.05B | $1.82B | $2.09B | $1.23B |
| Free cash flow | $1.05B | $1.77B | n/a | $992.63M |
| Cash & equivalents | $22.80M | $71.71M | $3.60B | $1.63B |
| Total assets | $8.63B | $6.47B | $22.66B | $15.79B |
| Total liabilities | $7.11B | $5.13B | $19.34B | $10.31B |
| Shareholders' equity | $1.52B | $1.34B | $3.33B | $5.48B |
| Return on year-end equity | 27.8% | 23.1% | 15.6% | 35.2% |
| Shares outstanding | 10.68M | 24.72M | 44.10M | n/a |
Revenue, most recent five fiscal years
| Fiscal year | Credit Acceptance Corp | Enova International, Inc. | Bread Financial Holdings, Inc. | Affirm Holdings, Inc. |
|---|---|---|---|---|
| Latest | $2.32B Ended 2025-12-31 | $3.15B Ended 2025-12-31 | $3.85B Ended 2025-12-31 | $4.26B Ended 2026-06-30 |
| 1 year earlier | $2.16B Ended 2024-12-31 | $2.66B Ended 2024-12-31 | $3.84B Ended 2024-12-31 | $3.22B Ended 2025-06-30 |
| 2 years earlier | $1.90B Ended 2023-12-31 | $2.12B Ended 2023-12-31 | $4.29B Ended 2023-12-31 | $2.32B Ended 2024-06-30 |
| 3 years earlier | $1.83B Ended 2022-12-31 | $1.74B Ended 2022-12-31 | $3.83B Ended 2022-12-31 | $1.59B Ended 2023-06-30 |
| 4 years earlier | $1.86B Ended 2021-12-31 | $1.21B Ended 2021-12-31 | $3.27B Ended 2021-12-31 | $1.35B Ended 2022-06-30 |