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Affirm vs World Acceptance: revenue, profit, margins and growth compared

Affirm brought in $4.3B of revenue in fiscal 2026, World Acceptance $585.2M in fiscal 2026. Revenue changed by +32.2% at Affirm and +3.7% at World Acceptance on the year before, so Affirm grew faster. Affirm kept 45.3% of its revenue as net profit, World Acceptance 5.9%. Free cash flow was $992.6M at Affirm and $255.5M at World Acceptance.

Side by side, latest fiscal year

AFRMWRLD
Fiscal year endedFY2026 (June 30, 2026)FY2026 (March 31, 2026)
Revenue$4.3B$585.2M
Revenue growth+32.2%+3.7%
Net income$1.9B$34.6M
Net margin45.3%5.9%
Free cash flow$992.6M$255.5M
Free cash flow margin23.3%43.7%
Earnings per share (diluted)$5.53$6.88
Cash$1.6B$6.1M
Debt$9.8B$587.2M
Price to earnings12.925.0
Market value$24B$802M
Dividend yieldn/an/a
Rank by revenue in sector#106 of 444 · Finance#230 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: $4.3BWRLD FY2018: $544.5MWRLD FY2019: $590MWRLD FY2021: $528MWRLD FY2022: $585.2MWRLD FY2023: $616.5MWRLD FY2024: $572.8MWRLD FY2025: $564.2MWRLD FY2026: $585.2MFY18FY19FY21FY22FY23FY24FY25FY26
AFRM $4.3BWRLD $585.2M
Net income
AFRM FY2019: -$120.5MAFRM FY2021: -$112.6MAFRM FY2021: -$441MAFRM FY2022: -$707.4MAFRM FY2023: -$985.3MAFRM FY2024: -$517.8MAFRM FY2025: $52.2MAFRM FY2026: $1.9BWRLD FY2018: $37.2MWRLD FY2019: $28.2MWRLD FY2021: $88.3MWRLD FY2022: $53.9MWRLD FY2023: $21.2MWRLD FY2024: $77MWRLD FY2025: $89.2MWRLD FY2026: $34.6MFY18FY19FY21FY22FY23FY24FY25FY26
AFRM $1.9BWRLD $34.6M
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%WRLD FY2018: 6.8%WRLD FY2019: 4.8%WRLD FY2021: 16.7%WRLD FY2022: 9.2%WRLD FY2023: 3.4%WRLD FY2024: 13.5%WRLD FY2025: 15.8%WRLD FY2026: 5.9%FY18FY19FY21FY22FY23FY24FY25FY26
AFRM 45.3%WRLD 5.9%
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%WRLD FY2019: +8.4%WRLD FY2021: -10.5%WRLD FY2022: +10.8%WRLD FY2023: +5.4%WRLD FY2024: -7.1%WRLD FY2025: -1.5%WRLD FY2026: +3.7%FY19FY21FY22FY23FY24FY25FY26
AFRM +32.2%WRLD +3.7%
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: $992.6MWRLD FY2018: $234.9MWRLD FY2019: $269.7MWRLD FY2021: $215.3MWRLD FY2022: $266.4MWRLD FY2023: $285.7MWRLD FY2024: $259.9MWRLD FY2025: $250.5MWRLD FY2026: $255.5MFY18FY19FY21FY22FY23FY24FY25FY26
AFRM $992.6MWRLD $255.5M

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

Questions about Affirm and World Acceptance

Which is bigger by revenue, Affirm or World Acceptance?

Affirm is bigger by revenue: $4.3B in fiscal 2026, against $585.2M for World Acceptance in fiscal 2026.

Which keeps more of its revenue as profit, Affirm or World Acceptance?

Affirm had a net margin of 45.3% in fiscal 2026; World Acceptance had 5.9% in fiscal 2026.

Which grew revenue faster, Affirm or World Acceptance?

In their latest fiscal years revenue changed by +32.2% at Affirm and +3.7% at World 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.

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