Compare
Nelnet Inc vs Affirm Holdings, Inc. vs Bread Financial Holdings, Inc. vs Credit Acceptance Corp
| Latest fiscal year | Nelnet Inc NNIRevenue covers only part of its income (partial revenue) | Affirm Holdings, Inc. AFRM | Bread Financial Holdings, Inc. BFH | Credit Acceptance Corp CACC |
|---|---|---|---|---|
| Year ended | 2025-12-31 | 2026-06-30 | 2025-12-31 | 2025-12-31 |
| Revenue | n/a | $4.26B | $3.85B | $2.32B |
| Revenue growth (YoY) | n/a | +32.2% | +0.2% | +7.2% |
| Gross margin | n/a | n/a | n/a | n/a |
| Operating margin | n/a | 9.8% | n/a | n/a |
| Net margin | n/a | 45.3% | 13.5% | 18.3% |
| Net income | $428.47M | $1.93B | $518.00M | $423.90M |
| EPS (Diluted) | $11.79 | $5.53 | $10.89 | $36.38 |
| Operating cash flow | $422.99M | $1.23B | $2.09B | $1.05B |
| Free cash flow | $396.75M | $992.63M | n/a | $1.05B |
| Cash & equivalents | $295.98M | $1.63B | $3.60B | $22.80M |
| Total assets | $14.06B | $15.79B | $22.66B | $8.63B |
| Total liabilities | $10.49B | $10.31B | $19.34B | $7.11B |
| Shareholders' equity | $3.58B | $5.48B | $3.33B | $1.52B |
| Return on year-end equity | 12.0% | 35.2% | 15.6% | 27.8% |
| Shares outstanding | n/a | n/a | 44.10M | 10.68M |
Revenue, most recent five fiscal years
| Fiscal year | Nelnet Inc | Affirm Holdings, Inc. | Bread Financial Holdings, Inc. | Credit Acceptance Corp |
|---|---|---|---|---|
| Latest | n/a | $4.26B Ended 2026-06-30 | $3.85B Ended 2025-12-31 | $2.32B Ended 2025-12-31 |
| 1 year earlier | n/a | $3.22B Ended 2025-06-30 | $3.84B Ended 2024-12-31 | $2.16B Ended 2024-12-31 |
| 2 years earlier | n/a | $2.32B Ended 2024-06-30 | $4.29B Ended 2023-12-31 | $1.90B Ended 2023-12-31 |
| 3 years earlier | n/a | $1.59B Ended 2023-06-30 | $3.83B Ended 2022-12-31 | $1.83B Ended 2022-12-31 |
| 4 years earlier | n/a | $1.35B Ended 2022-06-30 | $3.27B Ended 2021-12-31 | $1.86B Ended 2021-12-31 |