Affirm vs Credit Acceptance: revenue, profit, margins and growth compared
Affirm brought in $4.3B of revenue in fiscal 2026, Credit Acceptance $2.3B in fiscal 2025. Revenue changed by +32.2% at Affirm and +7.2% at Credit Acceptance on the year before, so Affirm grew faster. Affirm kept 45.3% of its revenue as net profit, Credit Acceptance 18.3%. Free cash flow was $992.6M at Affirm and $1.1B at Credit Acceptance.
Fiscal years as each company reports them; the two may end in different months.
Questions about Affirm and Credit Acceptance
Which is bigger by revenue, Affirm or Credit Acceptance?
Affirm is bigger by revenue: $4.3B in fiscal 2026, against $2.3B for Credit Acceptance in fiscal 2025.
Which keeps more of its revenue as profit, Affirm or Credit Acceptance?
Affirm had a net margin of 45.3% in fiscal 2026; Credit Acceptance had 18.3% in fiscal 2025.
Which grew revenue faster, Affirm or Credit Acceptance?
In their latest fiscal years revenue changed by +32.2% at Affirm and +7.2% at Credit Acceptance.
Where do these numbers come from?
From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.