Compare
Nelnet Inc vs Affirm Holdings, Inc. vs Happen, Inc. vs Bread Financial Holdings, Inc.
| Latest fiscal year | Nelnet Inc NNIRevenue covers only part of its income (partial revenue) | Affirm Holdings, Inc. AFRM | Happen, Inc. HAPN | Bread Financial Holdings, Inc. BFH |
|---|---|---|---|---|
| Year ended | 2025-12-31 | 2026-06-30 | 2025-12-31 | 2025-12-31 |
| Revenue | n/a | $4.26B | $998.85M | $3.85B |
| Revenue growth (YoY) | n/a | +32.2% | +26.9% | +0.2% |
| 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% | 13.6% | 13.5% |
| Net income | $428.47M | $1.93B | $135.68M | $518.00M |
| EPS (Diluted) | $11.79 | $5.53 | $1.16 | $10.89 |
| Operating cash flow | $422.99M | $1.23B | -$2.73B | $2.09B |
| Free cash flow | $396.75M | $992.63M | -$2.87B | n/a |
| Cash & equivalents | $295.98M | $1.63B | n/a | $3.60B |
| Total assets | $14.06B | $15.79B | $11.57B | $22.66B |
| Total liabilities | $10.49B | $10.31B | $10.07B | $19.34B |
| Shareholders' equity | $3.58B | $5.48B | $1.50B | $3.33B |
| Return on year-end equity | 12.0% | 35.2% | 9.0% | 15.6% |
| Shares outstanding | n/a | n/a | 115.37M | 44.10M |
Revenue, most recent five fiscal years
| Fiscal year | Nelnet Inc | Affirm Holdings, Inc. | Happen, Inc. | Bread Financial Holdings, Inc. |
|---|---|---|---|---|
| Latest | n/a | $4.26B Ended 2026-06-30 | $998.85M Ended 2025-12-31 | $3.85B Ended 2025-12-31 |
| 1 year earlier | n/a | $3.22B Ended 2025-06-30 | $787.01M Ended 2024-12-31 | $3.84B Ended 2024-12-31 |
| 2 years earlier | n/a | $2.32B Ended 2024-06-30 | $864.62M Ended 2023-12-31 | $4.29B Ended 2023-12-31 |
| 3 years earlier | n/a | $1.59B Ended 2023-06-30 | $1.19B Ended 2022-12-31 | $3.83B Ended 2022-12-31 |
| 4 years earlier | n/a | $1.35B Ended 2022-06-30 | $818.63M Ended 2021-12-31 | $3.27B Ended 2021-12-31 |