Credit Acceptance [CACC] vs SLM [SLM] Detailed Stock Comparison
Credit Acceptance
SLM
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Credit Acceptance wins in 8 metrics, SLM wins in 9 metrics, with 0 ties. SLM appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Credit Acceptance | SLM | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 14.24 | 13.13 | SLM |
| Price-to-Book Ratio | 3.56 | 2.65 | SLM |
| Debt-to-Equity Ratio | 416.24 | 269.94 | SLM |
| PEG Ratio | -0.05 | -0.18 | SLM |
| EV/EBITDA | 31.71 | 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 | 7.82% | 13.62% | SLM |
| Price-to-Sales Ratio (TTM) | 4.72 | 4.67 | SLM |
| Enterprise Value | $11.94B | $8.16B | Credit Acceptance |
| EV/Revenue Ratio | 10.18 | 6.76 | SLM |
| Gross Profit Margin (TTM) | 61.50% | N/A | N/A |
| Revenue per Share (TTM) | $97 | $6 | Credit Acceptance |
| Earnings per Share (Diluted) | $34.61 | $2.06 | Credit Acceptance |
| Beta (Stock Volatility) | 1.20 | 1.12 | SLM |
Credit Acceptance vs SLM Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Credit Acceptance | -3.95% | 2.64% | -4.99% | -5.45% | -1.67% | 5.95% |
| SLM | -0.49% | -2.90% | -11.33% | -20.22% | -2.97% | -3.33% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Credit Acceptance | 7.82% | 14.10% | 47.73% | 122.96% | 742.37% | 3,079.81% |
| SLM | 13.62% | 74.87% | 180.98% | 281.53% | 559.35% | 40.79% |
News Based Sentiment: Credit Acceptance vs SLM
Credit Acceptance
News based Sentiment: MIXED
October brought a blend of positive and negative developments for Credit Acceptance. While the company demonstrated financial flexibility through debt extensions and share repurchases, it also faced an earnings miss, insider selling, and bearish technical indicators. The upcoming Q3 earnings release will be a key catalyst for determining the company's future direction.
SLM
News based Sentiment: MIXED
October presented a mixed picture for SLM, with both positive strategic developments and concerning financial results. The company is actively adapting to a changing market, but faces short-term challenges related to declining revenue, increasing credit risks, and bearish investor sentiment. This makes it a cautiously optimistic investment with potential upside but also significant risk.
Performance & Financial Health Analysis: Credit Acceptance vs SLM
| Metric | CACC | SLM |
|---|---|---|
| Market Information | ||
| Market Cap | $5.54B | $5.54B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 146,750 | 3,331,430 |
| 90 Day Avg. Volume | 124,393 | 3,087,170 |
| Last Close | $492.87 | $26.44 |
| 52 Week Range | $414.16 - $560.00 | $21.10 - $34.97 |
| % from 52W High | -11.99% | -24.39% |
| All-Time High | $703.27 (Nov 01, 2021) | $34.97 (Jul 08, 2025) |
| % from All-Time High | -29.92% | -24.39% |
| 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) | 14.24 | 13.13 |
| Forward P/E | 13.74 | 9.01 |
| PEG Ratio | -0.05 | -0.18 |
| Price to Sales (TTM) | 4.72 | 4.67 |
| Price to Book (MRQ) | 3.56 | 2.65 |
| Market Capitalization | ||
| Market Capitalization | $5.54B | $5.54B |
| Enterprise Value | $11.94B | $8.16B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 10.18 | 6.76 |
| Enterprise to EBITDA | 31.71 | N/A |
| Risk & Other Metrics | ||
| Beta | 1.20 | 1.12 |
| Book Value per Share (MRQ) | $138.35 | $10.19 |
Financial Statements Comparison: Credit Acceptance vs SLM
Financial Metrics
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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 | 687,869 | 14.28M |
| Short Ratio | 5.88 | 5.58 |
| Short % of Float | 0.17% | 0.08% |
| Average Daily Volume (10 Day) | 146,750 | 3,331,430 |
| Average Daily Volume (90 Day) | 124,393 | 3,087,170 |
| Shares Outstanding | 12.05M | 210.38M |
| Float Shares | 7.21M | 206.28M |
| % Held by Insiders | 0.47% | 0.01% |
| % Held by Institutions | 0.68% | 1.11% |
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 |