Credit Acceptance vs Happen: revenue, profit, margins and growth compared
Credit Acceptance brought in $2.3B of revenue in fiscal 2025, Happen $998.8M in fiscal 2025. Revenue changed by +7.2% at Credit Acceptance and +26.9% at Happen on the year before, so Happen grew faster. Credit Acceptance kept 18.3% of its revenue as net profit, Happen 13.6%. Free cash flow was $1.1B at Credit Acceptance and -$2.9B at Happen.
Fiscal years as each company reports them; the two may end in different months.
Questions about Credit Acceptance and Happen
Which is bigger by revenue, Credit Acceptance or Happen?
Credit Acceptance is bigger by revenue: $2.3B in fiscal 2025, against $998.8M for Happen in fiscal 2025.
Which keeps more of its revenue as profit, Credit Acceptance or Happen?
Credit Acceptance had a net margin of 18.3% in fiscal 2025; Happen had 13.6% in fiscal 2025.
Which grew revenue faster, Credit Acceptance or Happen?
In their latest fiscal years revenue changed by +7.2% at Credit Acceptance and +26.9% at Happen.
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.