Credit Acceptance [CACC] vs SLM [SLM] Detailed Stock Comparison
Credit Acceptance
NASDAQ
Loading...
SLM
NASDAQ
Loading...
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Credit Acceptance wins in 11 metrics, SLM wins in 6 metrics, with 0 ties. Credit Acceptance appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Credit Acceptance | SLM | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 13.93 | 14.97 | Credit Acceptance |
| Price-to-Book Ratio | 3.49 | 3.03 | SLM |
| Debt-to-Equity Ratio | 416.24 | 269.94 | SLM |
| PEG Ratio | 13.44 | -0.21 | SLM |
| EV/EBITDA | 31.39 | N/A | N/A |
| Profit Margin (TTM) | 36.18% | 36.64% | SLM |
| Operating Margin (TTM) | 40.19% | 34.38% | Credit Acceptance |
| EBITDA Margin (TTM) | 40.19% | 34.38% | Credit Acceptance |
| Return on Equity | 27.30% | 18.99% | Credit Acceptance |
| Return on Assets (TTM) | 5.00% | 1.51% | Credit Acceptance |
| Free Cash Flow (TTM) | $1.14B | $-329.40M | Credit Acceptance |
| Dividend Yield | N/A | 1.92% | N/A |
| 1-Year Return | 5.31% | 46.56% | SLM |
| Price-to-Sales Ratio (TTM) | 4.62 | 5.33 | Credit Acceptance |
| Enterprise Value | $11.82B | $8.95B | Credit Acceptance |
| EV/Revenue Ratio | 10.08 | 7.42 | SLM |
| Gross Profit Margin (TTM) | 61.50% | N/A | N/A |
| Revenue per Share (TTM) | $97 | $6 | Credit Acceptance |
| Earnings per Share (Diluted) | $34.62 | $2.06 | Credit Acceptance |
| Beta (Stock Volatility) | 1.13 | 1.14 | Credit Acceptance |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Credit Acceptance vs SLM Stock Performance Analysis
Loading Price Chart...
Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Credit Acceptance | 5.03% | 6.69% | -2.42% | 5.20% | 3.32% | 8.88% |
| SLM | 2.89% | 4.65% | -3.14% | -5.71% | 3.73% | 16.01% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Credit Acceptance | 5.31% | -9.31% | 10.24% | 156.44% | 748.82% | 3,492.13% |
| SLM | 46.56% | 113.81% | 307.84% | 271.55% | 689.30% | 79.57% |
Performance & Financial Health Analysis: Credit Acceptance vs SLM
| Metric | CACC | SLM |
|---|---|---|
| Market Information | ||
| Market Cap | $5.42B | $6.43B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 96,570 | 2,000,350 |
| 90 Day Avg. Volume | 102,093 | 2,086,763 |
| Last Close | $506.49 | $31.73 |
| 52 Week Range | $409.22 - $560.00 | $19.64 - $34.97 |
| % from 52W High | -9.56% | -9.27% |
| All-Time High | $703.27 (Nov 01, 2021) | $34.97 (Jul 08, 2025) |
| % from All-Time High | -27.98% | -9.27% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 1.59% | -0.49% |
| Quarterly Earnings Growth | 0.08% | -0.72% |
| Financial Health | ||
| Profit Margin (TTM) | 0.36% | 0.37% |
| Operating Margin (TTM) | 0.40% | 0.34% |
| Return on Equity (TTM) | 0.27% | 0.19% |
| Debt to Equity (MRQ) | 416.24 | 269.94 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $138.35 | $10.19 |
| Cash per Share (MRQ) | $6.23 | $19.87 |
| Operating Cash Flow (TTM) | $1.11B | $-393,662,016 |
| Levered Free Cash Flow (TTM) | $10.14B | $590.03M |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 1.92% |
| Last 12-Month Dividend | N/A | $0.63 |
Valuation & Enterprise Metrics Analysis: Credit Acceptance vs SLM
| Metric | CACC | SLM |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 13.93 | 14.97 |
| Forward P/E | 13.44 | 10.28 |
| PEG Ratio | 13.44 | -0.21 |
| Price to Sales (TTM) | 4.62 | 5.33 |
| Price to Book (MRQ) | 3.49 | 3.03 |
| Market Capitalization | ||
| Market Capitalization | $5.42B | $6.43B |
| Enterprise Value | $11.82B | $8.95B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 10.08 | 7.42 |
| Enterprise to EBITDA | 31.39 | N/A |
| Risk & Other Metrics | ||
| Beta | 1.13 | 1.14 |
| Book Value per Share (MRQ) | $138.35 | $10.19 |
Financial Statements Comparison: Credit Acceptance vs SLM
Financial Metrics
Loading Financial Charts...
Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | CACC | SLM |
|---|---|---|
| Revenue/Sales | $562.30M | $403.60M |
| Cost of Goods Sold | $219.40M | N/A |
| Gross Profit | $342.90M | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | $134.10M | N/A |
| EBITDA | $142.20M | N/A |
| Pre-Tax Income | $141.70M | $87.63M |
| Income Tax | $35.40M | $16.36M |
| Net Income (Profit) | $106.30M | $71.27M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | CACC | SLM |
|---|---|---|
| Cash & Equivalents | $528.80M | $3.70B |
| Total Current Assets | $9.12B | N/A |
| Total Current Liabilities | $521.00M | N/A |
| Long-Term Debt | $6.71B | $6.15B |
| Total Shareholders Equity | $1.71B | $2.40B |
| Retained Earnings | $1.36B | $4.39B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | CACC | SLM |
|---|---|---|
| Operating Cash Flow | $156.30M | $16.04M |
| Capital Expenditures | $-300,000 | N/A |
| Free Cash Flow | $345.90M | $-146.05M |
| Debt Repayment | $-803.40M | $-788.84M |
| Common Stock Repurchase | $-164.40M | $-29.70M |
Short Interest & Institutional Ownership Analysis
| Metric | CACC | SLM |
|---|---|---|
| Shares Short | 615,398 | 8.78M |
| Short Ratio | 4.98 | 3.82 |
| Short % of Float | 0.15% | 0.05% |
| Average Daily Volume (10 Day) | 96,570 | 2,000,350 |
| Average Daily Volume (90 Day) | 102,093 | 2,086,763 |
| Shares Outstanding | 12.05M | 210.38M |
| Float Shares | 7.17M | 206.28M |
| % Held by Insiders | 0.47% | 0.01% |
| % Held by Institutions | 0.67% | 1.08% |
Dividend Analysis & Yield Comparison: Credit Acceptance vs SLM
| Metric | CACC | SLM |
|---|---|---|
| Last 12-Month Dividend | N/A | $0.63 |
| Last 12-Month Dividend Yield | N/A | 1.92% |
| 3-Year Avg Annual Dividend | N/A | $0.50 |
| 3-Year Avg Dividend Yield | N/A | 0.58% |
| 3-Year Total Dividends | N/A | $1.51 |
| Ex-Dividend Date | N/A | Sep 04, 2025 |