# SIC 6141 - Personal Credit Institutions

Informational only - not investment advice.

Division: [Finance, Insurance, And Real Estate](/division/H/). Major group: [SIC Major Group 61](/major-group/61/). As of: 2026-06-04

## Companies
- [BFH](/company/BFH/): BREAD FINANCIAL HOLDINGS, INC.
- [ENVA](/company/ENVA/): Enova International, Inc.
- [SLM](/company/SLM/): SLM Corp
- [WRLD](/company/WRLD/): WORLD ACCEPTANCE CORP

## Macro Context
- [M2SL](/indicator/M2SL/): M2
- [FEDFUNDS](/indicator/FEDFUNDS/): Federal Funds Effective Rate
- [DFEDTARU](/indicator/DFEDTARU/): Federal Funds Target Range - Upper Limit
- [DGS2](/indicator/DGS2/): Market Yield on U.S. Treasury Securities at 2-Year Constant Maturity
- [DGS10](/indicator/DGS10/): Market Yield on U.S. Treasury Securities at 10-Year Constant Maturity
- [T10Y2Y](/indicator/T10Y2Y/): 10-Year Treasury Constant Maturity Minus 2-Year Treasury Constant Maturity
- [HOUST](/indicator/HOUST/): New Privately-Owned Housing Units Started: Total Units
- [PERMIT](/indicator/PERMIT/): New Privately-Owned Housing Units Authorized in Permit-Issuing Places: Total Units

## Sector financials

Peer figures are build-time aggregates of the SEC companyfacts financials already shown on member company pages. As of latest member filing date: 2026-06-04.

| Companies with data | Companies with revenue | Aggregate revenue | Median revenue | Median net margin | Median operating margin | Median revenue growth | Median diluted EPS |
| ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| 4 | 4 | 10,209,074,700 | 2,889,454,000 | 11.63% | 23.46% | 2.02% | 8.88 |

### Peer Table

| Company | Latest revenue | Revenue FY | Net margin | Operating margin | Revenue growth | Diluted EPS |
| --- | ---: | ---: | ---: | ---: | ---: | ---: |
| [BFH](/company/BFH/) - BREAD FINANCIAL HOLDINGS, INC. | 3,845,000,000 | 2025 | 13.47% |  | 0.18% | 10.89 |
| [ENVA](/company/ENVA/) - Enova International, Inc. | 3,151,653,000 | 2025 | 9.78% | 23.46% | 18.58% | 11.52 |
| [SLM](/company/SLM/) - SLM Corp | 2,627,255,000 | 2025 | 28.35% |  | 0.31% | 3.46 |
| [WRLD](/company/WRLD/) - WORLD ACCEPTANCE CORP | 585,166,700 | 2026 | 5.91% |  | 3.72% | 6.88 |

## Sources
Macro data:
- [M2SL](https://fred.stlouisfed.org/series/M2SL): FRED series M2SL, source: Board of Governors of the Federal Reserve System
- [FEDFUNDS](https://fred.stlouisfed.org/series/FEDFUNDS): FRED series FEDFUNDS, source: Board of Governors of the Federal Reserve System
- [DFEDTARU](https://fred.stlouisfed.org/series/DFEDTARU): FRED series DFEDTARU, source: Board of Governors of the Federal Reserve System
- [DGS2](https://fred.stlouisfed.org/series/DGS2): FRED series DGS2, source: Board of Governors / U.S. Treasury market data
- [DGS10](https://fred.stlouisfed.org/series/DGS10): FRED series DGS10, source: Board of Governors / U.S. Treasury market data
- [T10Y2Y](https://fred.stlouisfed.org/series/T10Y2Y): FRED series T10Y2Y, source: Board of Governors / U.S. Treasury market data
- [HOUST](https://fred.stlouisfed.org/series/HOUST): FRED series HOUST, source: U.S. Census Bureau and U.S. Department of Housing and Urban Development
- [PERMIT](https://fred.stlouisfed.org/series/PERMIT): FRED series PERMIT, source: U.S. Census Bureau and U.S. Department of Housing and Urban Development

SEC data:
- [BFH SEC company page](https://www.sec.gov/edgar/browse/?CIK=1101215); [latest 10-K 0001101215-26-000016](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000016/bfh-20251231.htm); [latest 10-Q 0001101215-26-000040](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000040/bfh-20260331.htm)
- [ENVA SEC company page](https://www.sec.gov/edgar/browse/?CIK=1529864); [latest 10-K 0001193125-26-060461](https://www.sec.gov/Archives/edgar/data/1529864/000119312526060461/enva-20251231.htm); [latest 10-Q 0001193125-26-174021](https://www.sec.gov/Archives/edgar/data/1529864/000119312526174021/enva-20260331.htm)
- [SLM SEC company page](https://www.sec.gov/edgar/browse/?CIK=1032033); [latest 10-K 0001032033-26-000011](https://www.sec.gov/Archives/edgar/data/1032033/000103203326000011/slm-20251231.htm); [latest 10-Q 0001032033-26-000025](https://www.sec.gov/Archives/edgar/data/1032033/000103203326000025/slm-20260331.htm)
- [WRLD SEC company page](https://www.sec.gov/edgar/browse/?CIK=108385); [latest 10-K 0000108385-26-000014](https://www.sec.gov/Archives/edgar/data/108385/000010838526000014/wrld-20260331.htm); [latest 10-Q 0000108385-26-000005](https://www.sec.gov/Archives/edgar/data/108385/000010838526000005/wrld-20251231.htm)