Credit Acceptance [CACC] vs Mastercard [MA] Detailed Stock Comparison

Credit Acceptance

NASDAQ
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Mastercard

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Credit Acceptance wins in 7 metrics, Mastercard wins in 12 metrics, with 0 ties. Mastercard appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Credit Acceptance Mastercard Better
P/E Ratio (TTM) 14.24 39.07 Credit Acceptance
Price-to-Book Ratio 3.56 66.89 Credit Acceptance
Debt-to-Equity Ratio 416.24 240.92 Mastercard
PEG Ratio -0.05 2.41 Credit Acceptance
EV/EBITDA 31.71 28.44 Mastercard
Profit Margin (TTM) 36.18% 44.93% Mastercard
Operating Margin (TTM) 40.19% 59.92% Mastercard
EBITDA Margin (TTM) 40.19% 59.92% Mastercard
Return on Equity 27.30% 176.95% Mastercard
Return on Assets (TTM) 5.00% 23.68% Mastercard
Free Cash Flow (TTM) $1.14B $13.59B Mastercard
Dividend Yield N/A 0.53% N/A
1-Year Return 7.82% 12.40% Mastercard
Price-to-Sales Ratio (TTM) 4.72 17.30 Credit Acceptance
Enterprise Value $11.94B $533.81B Mastercard
EV/Revenue Ratio 10.18 17.65 Credit Acceptance
Gross Profit Margin (TTM) 61.50% 77.23% Mastercard
Revenue per Share (TTM) $97 $33 Credit Acceptance
Earnings per Share (Diluted) $34.61 $14.84 Credit Acceptance
Beta (Stock Volatility) 1.20 0.97 Mastercard
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Credit Acceptance vs Mastercard Stock Performance Analysis

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Credit Acceptance
Mastercard
Credit Acceptance Stock Overview | Mastercard Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Credit Acceptance-3.95%2.64%-4.99%-5.45%-1.67%5.95%
Mastercard-2.06%-2.21%-3.33%-0.10%9.53%8.07%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Credit Acceptance7.82%14.10%47.73%122.96%742.37%3,079.81%
Mastercard12.40%95.56%66.34%478.20%2,315.70%12,473.50%

News Based Sentiment: Credit Acceptance vs Mastercard

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.

View Credit Acceptance News Sentiment Analysis

Mastercard

News based Sentiment: POSITIVE

Mastercard delivered strong Q2 earnings, launched a promising new media network, and secured key partnerships, all while analysts raised price targets. While insider selling exists, it's tied to tax obligations, and the overall narrative is one of continued growth and strategic execution, making it a positive month for investors.

View Mastercard News Sentiment Analysis

Performance & Financial Health Analysis: Credit Acceptance vs Mastercard

MetricCACCMA
Market Information
Market Cap i$5.54B$521.11B
Market Cap CategoryMid capMega cap
10 Day Avg. Volume i146,7502,586,350
90 Day Avg. Volume i124,3932,677,130
Last Close$492.87$564.55
52 Week Range$414.16 - $560.00$465.59 - $601.77
% from 52W High-11.99%-6.19%
All-Time High$703.27 (Nov 01, 2021)$601.77 (Aug 22, 2025)
% from All-Time High-29.92%-6.19%
Growth Metrics
Quarterly Revenue Growth1.59%0.17%
Quarterly Earnings Growth0.08%0.14%
Financial Health
Profit Margin (TTM) i0.36%0.45%
Operating Margin (TTM) i0.40%0.60%
Return on Equity (TTM) i0.27%1.77%
Debt to Equity (MRQ) i416.24240.92
Cash & Liquidity
Book Value per Share (MRQ)$138.35$8.67
Cash per Share (MRQ)$6.23$10.36
Operating Cash Flow (TTM) i$1.11B$16.95B
Levered Free Cash Flow (TTM) i$10.14B$15.46B
Dividends
Last 12-Month Dividend Yield iN/A0.53%
Last 12-Month Dividend iN/A$2.84

Valuation & Enterprise Metrics Analysis: Credit Acceptance vs Mastercard

MetricCACCMA
Price Ratios
P/E Ratio (TTM) i14.2439.07
Forward P/E i13.7435.40
PEG Ratio i-0.052.41
Price to Sales (TTM) i4.7217.30
Price to Book (MRQ) i3.5666.89
Market Capitalization
Market Capitalization i$5.54B$521.11B
Enterprise Value i$11.94B$533.81B
Enterprise Value Metrics
Enterprise to Revenue i10.1817.65
Enterprise to EBITDA i31.7128.44
Risk & Other Metrics
Beta i1.200.97
Book Value per Share (MRQ) i$138.35$8.67

Financial Statements Comparison: Credit Acceptance vs Mastercard

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)CACCMA
Revenue/Sales i$562.30M$7.25B
Cost of Goods Sold i$219.40M$1.69B
Gross Profit i$342.90M$5.56B
Research & Development iN/AN/A
Operating Income (EBIT) i$134.10M$4.30B
EBITDA i$142.20M$4.58B
Pre-Tax Income i$141.70M$4.03B
Income Tax i$35.40M$751.00M
Net Income (Profit) i$106.30M$3.28B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)CACCMA
Cash & Equivalents i$528.80M$7.58B
Total Current Assets i$9.12B$19.80B
Total Current Liabilities i$521.00M$17.83B
Long-Term Debt i$6.71B$18.80B
Total Shareholders Equity i$1.71B$6.70B
Retained Earnings i$1.36B$75.50B
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)CACCMA
Operating Cash Flow i$156.30M$4.47B
Capital Expenditures i$-300,000$-159.00M
Free Cash Flow i$345.90M$2.02B
Debt Repayment i$-803.40M$-750.00M
Common Stock Repurchase i$-164.40M$-2.55B

Short Interest & Institutional Ownership Analysis

MetricCACCMA
Shares Short i687,8695.88M
Short Ratio i5.882.55
Short % of Float i0.17%0.01%
Average Daily Volume (10 Day) i146,7502,586,350
Average Daily Volume (90 Day) i124,3932,677,130
Shares Outstanding i12.05M913.40M
Float Shares i7.21M896.00M
% Held by Insiders i0.47%0.01%
% Held by Institutions i0.68%0.90%

Dividend Analysis & Yield Comparison: Credit Acceptance vs Mastercard

MetricCACCMA
Last 12-Month Dividend iN/A$2.84
Last 12-Month Dividend Yield iN/A0.53%
3-Year Avg Annual Dividend iN/A$2.09
3-Year Avg Dividend Yield iN/A0.15%
3-Year Total Dividends iN/A$6.28
Ex-Dividend DateN/AApr 09, 2025