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

Credit Acceptance Corporation

NASDAQ
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Mastercard Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Credit Acceptance Corporation wins in 8 metrics, Mastercard Inc. wins in 12 metrics, with 0 ties. Mastercard Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Credit Acceptance Corporation Mastercard Inc. Better
P/E Ratio (TTM) 14.33 30.95 Credit Acceptance Corporation
Price-to-Book Ratio 3.65 59.09 Credit Acceptance Corporation
Debt-to-Equity Ratio 417.17 256.04 Mastercard Inc.
PEG Ratio -1.47 1.27 Mastercard Inc.
EV/EBITDA 16.34 22.63 Credit Acceptance Corporation
Profit Margin (TTM) 34.24% 45.65% Mastercard Inc.
Operating Margin (TTM) 46.66% 57.73% Mastercard Inc.
EBITDA Margin (TTM) 46.66% 57.73% Mastercard Inc.
Return on Equity 25.90% 209.92% Mastercard Inc.
Return on Assets (TTM) 4.85% 23.72% Mastercard Inc.
Free Cash Flow (TTM) $1.05B $16.43B Mastercard Inc.
Dividend Yield N/A 0.55% N/A
1-Year Return 13.09% -12.82% Credit Acceptance Corporation
Price-to-Sales Ratio (TTM) 4.64 13.92 Credit Acceptance Corporation
Enterprise Value $11.94B $464.97B Mastercard Inc.
EV/Revenue Ratio 9.64 14.18 Credit Acceptance Corporation
Gross Profit Margin (TTM) 63.34% 79.35% Mastercard Inc.
Revenue per Share (TTM) $108 $36 Credit Acceptance Corporation
Earnings per Share (Diluted) $36.38 $16.52 Credit Acceptance Corporation
Beta (Stock Volatility) 1.32 0.83 Mastercard Inc.
Short % of Float 28.73% 0.70% Mastercard Inc.

Credit Acceptance Corporation vs Mastercard Inc. Stock Performance Analysis

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CACC
MA

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Credit Acceptance Corporation4.50%1.80%4.56%28.85%23.44%26.19%
Mastercard Inc.0.13%1.02%-0.72%-3.51%-13.79%-12.87%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Credit Acceptance Corporation13.09%10.84%32.59%227.27%614.57%1,914.52%
Mastercard Inc.-12.82%30.13%33.36%425.22%1,741.34%10,788.44%

Performance & Financial Health Analysis: Credit Acceptance Corporation vs Mastercard Inc.

MetricCACCMA
Market Information
Market Cap i$5.71B$448.34B
Market Cap CategoryMid capMega cap
10 Day Avg. Volume i155,4583,152,477
90 Day Avg. Volume i173,5863,291,506
Last Close$572.79$490.64
52 Week Range$401.90 - $579.80$464.52 - $601.77
% from 52W High-1.21%-18.47%
All-Time High$703.27 (Nov 01, 2021)$601.77 (Aug 22, 2025)
% from All-Time High-18.55%-18.47%
Growth Metrics
Quarterly Revenue Growth0.02%0.18%
Quarterly Earnings Growth-0.20%0.22%
Financial Health
Profit Margin (TTM) i0.34%0.46%
Operating Margin (TTM) i0.47%0.58%
Return on Equity (TTM) i0.26%2.10%
Debt to Equity (MRQ) i417.17256.04
Cash & Liquidity
Book Value per Share (MRQ)$142.66$8.65
Cash per Share (MRQ)$2.12$12.22
Operating Cash Flow (TTM) i$1.05B$17.65B
Levered Free Cash Flow (TTM) i$4.29B$16.27B
Dividends
Last 12-Month Dividend Yield iN/A0.55%
Last 12-Month Dividend iN/A$3.15

Valuation & Enterprise Metrics Analysis: Credit Acceptance Corporation vs Mastercard Inc.

MetricCACC (Apr 24, 2026)MA (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i14.3330.95
Forward P/E i10.1222.56
PEG Ratio i-1.471.27
Price to Sales (TTM) i4.6413.92
Price to Book (MRQ) i3.6559.09
Market Capitalization
Market Capitalization i$5.71B$448.34B
Enterprise Value i$11.94B$464.97B
Enterprise Value Metrics
Enterprise to Revenue i9.6414.18
Enterprise to EBITDA i16.3422.63
Risk & Other Metrics
Beta i1.320.83
Book Value per Share (MRQ) i$142.66$8.65

Financial Statements Comparison: Credit Acceptance Corporation vs Mastercard Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricCACC (2025)MA (2025)
Revenue/Sales i2.29B32.79B
Cost of Goods Sold i871.70M7.25B
COGS % of Revenue i38.1%22.1%
Gross Profit i1.42B25.54B
Gross Margin i61.9%77.9%
Research & Development iN/AN/A
Operating Income (EBIT) i619.90M19.51B
Operating Margin i27.1%59.5%
EBITDA i730.30M20.82B
EBITDA Margin i31.9%63.5%
Pre-Tax Income i565.40M18.58B
Pre-Tax Income % of Revenue i24.7%56.7%
Income Tax i141.50M3.61B
Income Tax % of Revenue i6.2%11.0%
Net Income (Profit) i423.90M14.97B
Profit Margin i18.5%45.6%

Balance Sheet & Liquidity Metrics

MetricCACC (2025)MA (2025)
Cash & Equivalents i22.80M10.57B
Total Current Assets i8.49B23.56B
Total Current Assets % of Revenue i370.9%71.8%
Total Current Liabilities i400.20M22.76B
Total Current Liabilities % of Revenue i17.5%69.4%
Long-Term Debt i6.35B18.25B
Long-Term Debt % of Revenue i277.7%55.7%
Total Shareholders Equity i1.52B7.75B
Retained Earnings i1.12B85.04B
Retained Earnings % of Revenue i48.9%259.3%
Property, Plant & Equipment i03.71B

Cash Flow Statement Comparison

MetricCACC (2025)MA (2025)
Operating Cash Flow i554.50M19.44B
Operating Cash Flow % of Revenue i24.2%59.3%
Capital Expenditures i-1.60M-489.00M
Free Cash Flow i1.05B16.43B
FCF Margin i46.0%50.1%
Debt Repayment i-4.03B-750.00M
Common Stock Repurchase i-725.40M-11.73B

Short Interest & Institutional Ownership Analysis

MetricCACCMA
Shares Short i1.05M6.24M
Short Ratio i4.901.83
Short % of Float i28.73%0.70%
Shares Outstanding i10.68M894.04M
Float Shares i5.41M883.99M
% Held by Insiders i49.99%0.55%
% Held by Institutions i78.92%90.43%
% Held by Public i-28.91%9.02%

Dividend Analysis & Yield Comparison: Credit Acceptance Corporation vs Mastercard Inc.

MetricCACCMA
Last 12-Month Dividend iN/A$3.15
Last 12-Month Dividend Yield iN/A0.55%
3-Year Avg Annual Dividend iN/A$2.75
3-Year Avg Dividend Yield iN/A0.14%
3-Year Total Dividends iN/A$8.26
Ex-Dividend DateN/AJan 09, 2026