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) | 13.93 | 39.83 | Credit Acceptance |
| Price-to-Book Ratio | 3.49 | 68.29 | Credit Acceptance |
| Debt-to-Equity Ratio | 416.24 | 240.92 | Mastercard |
| PEG Ratio | 13.44 | 36.14 | Credit Acceptance |
| EV/EBITDA | 31.39 | 29.02 | 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 | 5.31% | 28.41% | Mastercard |
| Price-to-Sales Ratio (TTM) | 4.62 | 17.69 | Credit Acceptance |
| Enterprise Value | $11.82B | $544.73B | Mastercard |
| EV/Revenue Ratio | 10.08 | 18.01 | Credit Acceptance |
| Gross Profit Margin (TTM) | 61.50% | 77.23% | Mastercard |
| Revenue per Share (TTM) | $97 | $33 | Credit Acceptance |
| Earnings per Share (Diluted) | $34.62 | $14.86 | Credit Acceptance |
| Beta (Stock Volatility) | 1.13 | 1.03 | Mastercard |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Credit Acceptance vs Mastercard Stock Performance Analysis
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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% |
| Mastercard | 1.19% | 2.97% | 7.19% | 5.05% | 7.15% | 14.66% |
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% |
| Mastercard | 28.41% | 80.43% | 63.60% | 536.65% | 2,799.13% | 13,239.87% |
Performance & Financial Health Analysis: Credit Acceptance vs Mastercard
| Metric | CACC | MA |
|---|---|---|
| Market Information | ||
| Market Cap | $5.42B | $535.10B |
| Market Cap Category | Mid cap | Mega cap |
| 10 Day Avg. Volume | 96,570 | 2,425,740 |
| 90 Day Avg. Volume | 102,093 | 2,554,163 |
| Last Close | $506.49 | $598.96 |
| 52 Week Range | $409.22 - $560.00 | $461.90 - $601.77 |
| % from 52W High | -9.56% | -0.47% |
| All-Time High | $703.27 (Nov 01, 2021) | $601.77 (Aug 22, 2025) |
| % from All-Time High | -27.98% | -0.47% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 1.59% | 0.17% |
| Quarterly Earnings Growth | 0.08% | 0.14% |
| Financial Health | ||
| Profit Margin (TTM) | 0.36% | 0.45% |
| Operating Margin (TTM) | 0.40% | 0.60% |
| Return on Equity (TTM) | 0.27% | 1.77% |
| Debt to Equity (MRQ) | 416.24 | 240.92 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $138.35 | $8.67 |
| Cash per Share (MRQ) | $6.23 | $10.36 |
| Operating Cash Flow (TTM) | $1.11B | $16.95B |
| Levered Free Cash Flow (TTM) | $10.14B | $15.46B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 0.53% |
| Last 12-Month Dividend | N/A | $2.84 |
Valuation & Enterprise Metrics Analysis: Credit Acceptance vs Mastercard
| Metric | CACC | MA |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 13.93 | 39.83 |
| Forward P/E | 13.44 | 36.14 |
| PEG Ratio | 13.44 | 36.14 |
| Price to Sales (TTM) | 4.62 | 17.69 |
| Price to Book (MRQ) | 3.49 | 68.29 |
| Market Capitalization | ||
| Market Capitalization | $5.42B | $535.10B |
| Enterprise Value | $11.82B | $544.73B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 10.08 | 18.01 |
| Enterprise to EBITDA | 31.39 | 29.02 |
| Risk & Other Metrics | ||
| Beta | 1.13 | 1.03 |
| Book Value per Share (MRQ) | $138.35 | $8.67 |
Financial Statements Comparison: Credit Acceptance vs Mastercard
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 | MA |
|---|---|---|
| Revenue/Sales | $562.30M | $7.25B |
| Cost of Goods Sold | $219.40M | $1.69B |
| Gross Profit | $342.90M | $5.56B |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | $134.10M | $4.30B |
| EBITDA | $142.20M | $4.58B |
| Pre-Tax Income | $141.70M | $4.03B |
| Income Tax | $35.40M | $751.00M |
| Net Income (Profit) | $106.30M | $3.28B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | CACC | MA |
|---|---|---|
| Cash & Equivalents | $528.80M | $7.58B |
| Total Current Assets | $9.12B | $19.80B |
| Total Current Liabilities | $521.00M | $17.83B |
| Long-Term Debt | $6.71B | $18.80B |
| Total Shareholders Equity | $1.71B | $6.70B |
| Retained Earnings | $1.36B | $75.50B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | CACC | MA |
|---|---|---|
| Operating Cash Flow | $156.30M | $4.47B |
| Capital Expenditures | $-300,000 | $-159.00M |
| Free Cash Flow | $345.90M | $2.02B |
| Debt Repayment | $-803.40M | $-750.00M |
| Common Stock Repurchase | $-164.40M | $-2.55B |
Short Interest & Institutional Ownership Analysis
| Metric | CACC | MA |
|---|---|---|
| Shares Short | 615,398 | 5.16M |
| Short Ratio | 4.98 | 1.93 |
| Short % of Float | 0.15% | 0.01% |
| Average Daily Volume (10 Day) | 96,570 | 2,425,740 |
| Average Daily Volume (90 Day) | 102,093 | 2,554,163 |
| Shares Outstanding | 12.05M | 913.40M |
| Float Shares | 7.17M | 896.00M |
| % Held by Insiders | 0.47% | 0.01% |
| % Held by Institutions | 0.67% | 0.90% |
Dividend Analysis & Yield Comparison: Credit Acceptance vs Mastercard
| Metric | CACC | MA |
|---|---|---|
| Last 12-Month Dividend | N/A | $2.84 |
| Last 12-Month Dividend Yield | N/A | 0.53% |
| 3-Year Avg Annual Dividend | N/A | $2.09 |
| 3-Year Avg Dividend Yield | N/A | 0.15% |
| 3-Year Total Dividends | N/A | $6.28 |
| Ex-Dividend Date | N/A | Apr 09, 2025 |