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Personal Credit Institutions: capital spending and supply chain

SIC 6141 · 6 companies with filed cash-flow statements

Capital spending, 12 months$394M
Operating cash flow$2.2B
Capex / cash flow18%
Capex / revenue2.0%
Top 3 share97%

Analysis

6 companies in Personal Credit Institutions (SIC 6141) spent $394M on capital projects over their latest twelve months, 18% of the $2.2B their operations generated; the three largest spenders — AFRM, HAPN, ENVA — account for 97%.

Capital spending is 2.0% of the industry's $19.8B of annual revenue.

By the industry's asset mix most of it goes to equipment (86%); about $149M is imported.

The largest supplier of that spending is light truck and utility vehicle manufacturing ($114M).

Its largest supplying industries, by the input-output tables: monetary authorities and depository credit intermediation ($589M), nondepository credit intermediation and related activities ($511M), data processing, hosting, and related services ($367M).

Charts

Personal Credit Institutions: capital spending by company, latest twelve monthsPersonal Credit Institutions: capital spending by company, latest twelve monthsAFRM$246MHAPN$87.5MENVA$46.7MRM$4.9MCACC$4.7MWRLD$4.1M
Filed cash-flow statements (SEC XBRL).
Personal Credit Institutions: what the capital spending buys (US part)Personal Credit Institutions: what the capital spending buys (US part)Structures$6.7MEquipment$211MSoftware$19.0MOther$8.3M
Capital spending × the industry’s asset mix (BEA fixed assets): grade C, an industry average applied to filed figures.
Personal Credit Institutions: the industries that build and sell what it buysPersonal Credit Institutions: the industries that build and sell what it buysLight truck and utility vehicle m…$114MAutomobile manufacturing$19.7MOther industrial machinery manufa…$12.3MSoftware publishers$11.8MOther general purpose machinery m…$11.6MMaterial handling equipment manuf…$11.1MAir conditioning, refrigeration, …$10.2MAll other miscellaneous manufactu…$10.2MOffice and commercial structures$6.7MMeasuring, dispensing, and other …$6.4M
BEA fixed assets: investment by asset type → supplying industry. Estimates (grade C).
Personal Credit Institutions: its first-tier supplying industriesPersonal Credit Institutions: its first-tier supplying industriesMonetary authorities and deposito…$589MNondepository credit intermediati…$511MData processing, hosting, and rel…$367MOther financial investment activi…$313MManagement consulting services$273MOther real estate$207MAdvertising, public relations, an…$202MEmployment services$195MInternet publishing and broadcast…$169MSecurities and commodity contract…$156M
Purchased inputs × the industry’s input mix (BEA Use table), US part: grade C.
Personal Credit Institutions: where the industry's cash came from (+) and went (−)Personal Credit Institutions: where the industry's cash came from (+) and went (−)Other investing (out)−$11.1BOther financing (in)$8.4BOperating cash flow$8.2BNet debt repaid−$4.4BNet borrowing$4.2BOperating cash outflow−$2.8BBuybacks−$1.6BCash added to the balance she…−$1.3BOther investing (in)$792MOther financing (out)−$426MCapital spending−$394MShares issued$338MCash drawn from the balance s…$52.6MDividends−$50.5M
The companies’ cash-flow statements, latest four quarters or fiscal year: every figure filed (grade A).

Capital spending by company

CompanyCapital spendingOperating cash flowCapex / OCFPeriod
AFRM Affirm Holdings$246M$1.1B23%TTM to Q1 FY27
HAPN Happen$87.5M−$2.8B—TTM to Q3 2026
ENVA Enova International$46.7M$2.1B2%TTM to Q3 2026
RM Regional Management$4.9M$324M1%TTM to Q3 2026
CACC Credit Acceptance$4.7M$1.3B0%TTM to Q3 2026
WRLD World Acceptance$4.1M$266M2%TTM to Q1 FY27

Customers and suppliers named in annual reports

SupplierCustomerShare of supplier revenueEvidenceSource
MSFTRM—Stated in 10-K (named, share not stated)filing
AFRMWRBY—Stated in 10-K (named, share not stated)filing
AMZNRM—Stated in 10-K (named, share not stated)filing

The interactive money flow: switch views, follow each dollar →

Evidence grades: A filed figure · B computed from filed figures · C industry average (BEA input-output and fixed-asset tables) applied to filed figures. Estimates are not the companies’ own records. Not investment advice.