Credit Acceptance [CACC] vs OneMain Holdings [OMF] Detailed Stock Comparison
Credit Acceptance
OneMain Holdings
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Credit Acceptance wins in 10 metrics, OneMain Holdings wins in 7 metrics, with 0 ties. Credit Acceptance appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Credit Acceptance | OneMain Holdings | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 14.24 | 9.89 | OneMain Holdings |
| Price-to-Book Ratio | 3.56 | 1.96 | OneMain Holdings |
| Debt-to-Equity Ratio | 416.24 | 663.05 | Credit Acceptance |
| PEG Ratio | -0.05 | 0.07 | Credit Acceptance |
| EV/EBITDA | 31.71 | N/A | N/A |
| Profit Margin (TTM) | 36.18% | 24.07% | Credit Acceptance |
| Operating Margin (TTM) | 40.19% | 33.19% | Credit Acceptance |
| EBITDA Margin (TTM) | 40.19% | 33.19% | Credit Acceptance |
| Return on Equity | 27.30% | 20.50% | Credit Acceptance |
| Return on Assets (TTM) | 5.00% | 2.57% | Credit Acceptance |
| Free Cash Flow (TTM) | $1.14B | $2.70B | OneMain Holdings |
| Dividend Yield | N/A | 5.82% | N/A |
| 1-Year Return | 7.82% | 18.99% | OneMain Holdings |
| Price-to-Sales Ratio (TTM) | 4.72 | 2.39 | OneMain Holdings |
| Enterprise Value | $11.94B | $27.81B | OneMain Holdings |
| EV/Revenue Ratio | 10.18 | 10.08 | OneMain Holdings |
| Gross Profit Margin (TTM) | 61.50% | N/A | N/A |
| Revenue per Share (TTM) | $97 | $23 | Credit Acceptance |
| Earnings per Share (Diluted) | $34.61 | $5.55 | Credit Acceptance |
| Beta (Stock Volatility) | 1.20 | 1.28 | Credit Acceptance |
Credit Acceptance vs OneMain Holdings 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% |
| OneMain Holdings | 0.53% | -2.55% | -9.70% | -6.90% | 20.35% | 6.02% |
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% |
| OneMain Holdings | 18.99% | 67.74% | 53.75% | 18.61% | 172.03% | 172.03% |
News Based Sentiment: Credit Acceptance vs OneMain Holdings
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.
OneMain Holdings
News based Sentiment: MIXED
October was a month of contrasts for OneMain Holdings, with strong earnings reports and a 'Buy' rating from Zacks offset by a downgrade from JP Morgan, significant insider selling, and institutional stake reductions. This creates a mixed investment narrative, making it a moderately important month for investors to assess the company's direction.
Performance & Financial Health Analysis: Credit Acceptance vs OneMain Holdings
| Metric | CACC | OMF |
|---|---|---|
| Market Information | ||
| Market Cap | $5.54B | $6.57B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 146,750 | 1,270,790 |
| 90 Day Avg. Volume | 124,393 | 960,850 |
| Last Close | $492.87 | $54.95 |
| 52 Week Range | $414.16 - $560.00 | $38.00 - $63.25 |
| % from 52W High | -11.99% | -13.12% |
| All-Time High | $703.27 (Nov 01, 2021) | $63.25 (Sep 05, 2025) |
| % from All-Time High | -29.92% | -13.12% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 1.59% | 0.33% |
| Quarterly Earnings Growth | 0.08% | 1.35% |
| Financial Health | ||
| Profit Margin (TTM) | 0.36% | 0.24% |
| Operating Margin (TTM) | 0.40% | 0.33% |
| Return on Equity (TTM) | 0.27% | 0.21% |
| Debt to Equity (MRQ) | 416.24 | 663.05 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $138.35 | $27.98 |
| Cash per Share (MRQ) | $6.23 | $6.47 |
| Operating Cash Flow (TTM) | $1.11B | $2.87B |
| Levered Free Cash Flow (TTM) | $10.14B | $509.00M |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 5.82% |
| Last 12-Month Dividend | N/A | $3.12 |
Valuation & Enterprise Metrics Analysis: Credit Acceptance vs OneMain Holdings
| Metric | CACC | OMF |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 14.24 | 9.89 |
| Forward P/E | 13.74 | 7.91 |
| PEG Ratio | -0.05 | 0.07 |
| Price to Sales (TTM) | 4.72 | 2.39 |
| Price to Book (MRQ) | 3.56 | 1.96 |
| Market Capitalization | ||
| Market Capitalization | $5.54B | $6.57B |
| Enterprise Value | $11.94B | $27.81B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 10.18 | 10.08 |
| Enterprise to EBITDA | 31.71 | N/A |
| Risk & Other Metrics | ||
| Beta | 1.20 | 1.28 |
| Book Value per Share (MRQ) | $138.35 | $27.98 |
Financial Statements Comparison: Credit Acceptance vs OneMain Holdings
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 | OMF |
|---|---|---|
| Revenue/Sales | $562.30M | $1.22B |
| 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 | $214.00M |
| Income Tax | $35.40M | $47.00M |
| Net Income (Profit) | $106.30M | $167.00M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | CACC | OMF |
|---|---|---|
| Cash & Equivalents | $528.80M | $488.00M |
| Total Current Assets | $9.12B | N/A |
| Total Current Liabilities | $521.00M | N/A |
| Long-Term Debt | $6.71B | $21.49B |
| Total Shareholders Equity | $1.71B | $3.28B |
| Retained Earnings | $1.36B | $2.38B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | CACC | OMF |
|---|---|---|
| Operating Cash Flow | $156.30M | $307.00M |
| Capital Expenditures | $-300,000 | N/A |
| Free Cash Flow | $345.90M | $665.00M |
| Debt Repayment | $-803.40M | $-1.45B |
| Common Stock Repurchase | $-164.40M | $-16.00M |
Short Interest & Institutional Ownership Analysis
| Metric | CACC | OMF |
|---|---|---|
| Shares Short | 687,869 | 5.36M |
| Short Ratio | 5.88 | 6.71 |
| Short % of Float | 0.17% | 0.05% |
| Average Daily Volume (10 Day) | 146,750 | 1,270,790 |
| Average Daily Volume (90 Day) | 124,393 | 960,850 |
| Shares Outstanding | 12.05M | 119.36M |
| Float Shares | 7.21M | 118.20M |
| % Held by Insiders | 0.47% | 0.00% |
| % Held by Institutions | 0.68% | 0.93% |
Dividend Analysis & Yield Comparison: Credit Acceptance vs OneMain Holdings
| Metric | CACC | OMF |
|---|---|---|
| Last 12-Month Dividend | N/A | $3.12 |
| Last 12-Month Dividend Yield | N/A | 5.82% |
| 3-Year Avg Annual Dividend | N/A | $3.69 |
| 3-Year Avg Dividend Yield | N/A | 2.25% |
| 3-Year Total Dividends | N/A | $11.06 |
| Ex-Dividend Date | N/A | Feb 12, 2025 |