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Stocks Comparison

Affirm vs Regional Management: revenue, profit, margins and growth compared

Affirm brought in $4.3B of revenue in fiscal 2026, Regional Management $645.6M in fiscal 2025. Revenue changed by +32.2% at Affirm and +9.7% at Regional Management on the year before, so Affirm grew faster. Affirm kept 45.3% of its revenue as net profit, Regional Management 6.9%. Free cash flow was $992.6M at Affirm and $304.3M at Regional Management.

Side by side, latest fiscal year

AFRMRM
Fiscal year endedFY2026 (June 30, 2026)FY2025 (December 31, 2025)
Revenue$4.3B$645.6M
Revenue growth+32.2%+9.7%
Net income$1.9B$44.4M
Net margin45.3%6.9%
Free cash flow$992.6M$304.3M
Free cash flow margin23.3%47.1%
Earnings per share (diluted)$5.53$4.45
Cash$1.6B$98M
Debt$9.8B$1.6B
Price to earnings12.96.9
Market value$24B$284.3M
Dividend yieldn/a3.89%
Rank by revenue in sector#106 of 444 · Finance#224 of 444 · Finance

Over the years

Revenue
AFRM FY2019: $264.4MAFRM FY2021: $509.5MAFRM FY2021: $870.5MAFRM FY2022: $1.3BAFRM FY2023: $1.6BAFRM FY2024: $2.3BAFRM FY2025: $3.2BAFRM FY2026: $4.3BRM FY2018: $306.7MRM FY2019: $355.7MRM FY2020: $373.9MRM FY2021: $428.4MRM FY2022: $507.2MRM FY2023: $551.4MRM FY2024: $588.5MRM FY2025: $645.6MFY18FY19FY20FY21FY22FY23FY24FY25FY26
AFRM $4.3BRM $645.6M
Net income
AFRM FY2019: -$120.5MAFRM FY2021: -$112.6MAFRM FY2021: -$441MAFRM FY2022: -$707.4MAFRM FY2023: -$985.3MAFRM FY2024: -$517.8MAFRM FY2025: $52.2MAFRM FY2026: $1.9BRM FY2018: $35.3MRM FY2019: $44.7MRM FY2020: $26.7MRM FY2021: $88.7MRM FY2022: $51.2MRM FY2023: $16MRM FY2024: $41.2MRM FY2025: $44.4MFY18FY19FY20FY21FY22FY23FY24FY25FY26
AFRM $1.9BRM $44.4M
Net margin
AFRM FY2019: -45.6%AFRM FY2021: -22.1%AFRM FY2021: -50.7%AFRM FY2022: -52.4%AFRM FY2023: -62.1%AFRM FY2024: -22.3%AFRM FY2025: 1.6%AFRM FY2026: 45.3%RM FY2018: 11.5%RM FY2019: 12.6%RM FY2020: 7.1%RM FY2021: 20.7%RM FY2022: 10.1%RM FY2023: 2.9%RM FY2024: 7.0%RM FY2025: 6.9%FY18FY19FY20FY21FY22FY23FY24FY25FY26
AFRM 45.3%RM 6.9%
Revenue growth
AFRM FY2021: +92.7%AFRM FY2021: +70.8%AFRM FY2022: +55.0%AFRM FY2023: +17.7%AFRM FY2024: +46.3%AFRM FY2025: +38.8%AFRM FY2026: +32.2%RM FY2019: +16.0%RM FY2020: +5.1%RM FY2021: +14.6%RM FY2022: +18.4%RM FY2023: +8.7%RM FY2024: +6.7%RM FY2025: +9.7%FY19FY20FY21FY22FY23FY24FY25FY26
AFRM +32.2%RM +9.7%
Free cash flow
AFRM FY2019: -$107.1MAFRM FY2021: -$92.3MAFRM FY2021: -$213.4MAFRM FY2022: -$248.5MAFRM FY2023: -$108.6MAFRM FY2024: $290.8MAFRM FY2025: $601.7MAFRM FY2026: $992.6MRM FY2018: $140.9MRM FY2019: $152.4MRM FY2020: $161MRM FY2021: $185.4MRM FY2022: $218.5MRM FY2023: $244.5MRM FY2024: $263.9MRM FY2025: $304.3MFY18FY19FY20FY21FY22FY23FY24FY25FY26
AFRM $992.6MRM $304.3M

Fiscal years as each company reports them; the two may end in different months.

Questions about Affirm and Regional Management

Which is bigger by revenue, Affirm or Regional Management?

Affirm is bigger by revenue: $4.3B in fiscal 2026, against $645.6M for Regional Management in fiscal 2025.

Which keeps more of its revenue as profit, Affirm or Regional Management?

Affirm had a net margin of 45.3% in fiscal 2026; Regional Management had 6.9% in fiscal 2025.

Which grew revenue faster, Affirm or Regional Management?

In their latest fiscal years revenue changed by +32.2% at Affirm and +9.7% at Regional Management.

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.

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