Compare
Enova International, Inc. vs Affirm Holdings, Inc. vs Credit Acceptance Corp vs Happen, Inc.
| Latest fiscal year | Enova International, Inc. ENVA | Affirm Holdings, Inc. AFRM | Credit Acceptance Corp CACC | Happen, Inc. HAPN |
|---|---|---|---|---|
| Year ended | 2025-12-31 | 2026-06-30 | 2025-12-31 | 2025-12-31 |
| Revenue | $3.15B | $4.26B | $2.32B | $998.85M |
| Revenue growth (YoY) | +18.6% | +32.2% | +7.2% | +26.9% |
| Gross margin | 58.1% | n/a | n/a | n/a |
| Operating margin | 23.5% | 9.8% | n/a | n/a |
| Net margin | 9.8% | 45.3% | 18.3% | 13.6% |
| Net income | $308.39M | $1.93B | $423.90M | $135.68M |
| EPS (Diluted) | $11.52 | $5.53 | $36.38 | $1.16 |
| Operating cash flow | $1.82B | $1.23B | $1.05B | -$2.73B |
| Free cash flow | $1.77B | $992.63M | $1.05B | -$2.87B |
| Cash & equivalents | $71.71M | $1.63B | $22.80M | n/a |
| Total assets | $6.47B | $15.79B | $8.63B | $11.57B |
| Total liabilities | $5.13B | $10.31B | $7.11B | $10.07B |
| Shareholders' equity | $1.34B | $5.48B | $1.52B | $1.50B |
| Return on year-end equity | 23.1% | 35.2% | 27.8% | 9.0% |
| Shares outstanding | 24.72M | n/a | 10.68M | 115.37M |
Revenue, most recent five fiscal years
| Fiscal year | Enova International, Inc. | Affirm Holdings, Inc. | Credit Acceptance Corp | Happen, Inc. |
|---|---|---|---|---|
| Latest | $3.15B Ended 2025-12-31 | $4.26B Ended 2026-06-30 | $2.32B Ended 2025-12-31 | $998.85M Ended 2025-12-31 |
| 1 year earlier | $2.66B Ended 2024-12-31 | $3.22B Ended 2025-06-30 | $2.16B Ended 2024-12-31 | $787.01M Ended 2024-12-31 |
| 2 years earlier | $2.12B Ended 2023-12-31 | $2.32B Ended 2024-06-30 | $1.90B Ended 2023-12-31 | $864.62M Ended 2023-12-31 |
| 3 years earlier | $1.74B Ended 2022-12-31 | $1.59B Ended 2023-06-30 | $1.83B Ended 2022-12-31 | $1.19B Ended 2022-12-31 |
| 4 years earlier | $1.21B Ended 2021-12-31 | $1.35B Ended 2022-06-30 | $1.86B Ended 2021-12-31 | $818.63M Ended 2021-12-31 |