Credit Acceptance [CACC] vs OneMain Holdings [OMF] Detailed Stock Comparison

Credit Acceptance Corporation

NASDAQ
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OneMain Holdings Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Credit Acceptance Corporation wins in 10 metrics, OneMain Holdings Inc. wins in 8 metrics, with 0 ties. Credit Acceptance Corporation appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Credit Acceptance Corporation OneMain Holdings Inc. Better
P/E Ratio (TTM) 14.33 8.98 OneMain Holdings Inc.
Price-to-Book Ratio 3.65 2.03 OneMain Holdings Inc.
Debt-to-Equity Ratio 417.17 671.07 Credit Acceptance Corporation
PEG Ratio -1.47 0.14 OneMain Holdings Inc.
EV/EBITDA 16.34 N/A N/A
Profit Margin (TTM) 34.24% 26.34% Credit Acceptance Corporation
Operating Margin (TTM) 46.66% 33.65% Credit Acceptance Corporation
EBITDA Margin (TTM) 46.66% 33.65% Credit Acceptance Corporation
Return on Equity 25.90% 23.76% Credit Acceptance Corporation
Return on Assets (TTM) 4.85% 2.94% Credit Acceptance Corporation
Free Cash Flow (TTM) $1.05B $3.13B OneMain Holdings Inc.
Dividend Yield N/A 7.31% N/A
1-Year Return 13.09% 9.33% Credit Acceptance Corporation
Price-to-Sales Ratio (TTM) 4.64 2.33 OneMain Holdings Inc.
Enterprise Value $11.94B $28.81B OneMain Holdings Inc.
EV/Revenue Ratio 9.64 9.69 Credit Acceptance Corporation
Gross Profit Margin (TTM) 63.34% N/A N/A
Revenue per Share (TTM) $108 $25 Credit Acceptance Corporation
Earnings per Share (Diluted) $36.38 $6.56 Credit Acceptance Corporation
Beta (Stock Volatility) 1.32 1.26 OneMain Holdings Inc.
Short % of Float 28.73% 4.29% OneMain Holdings Inc.

Credit Acceptance Corporation vs OneMain Holdings Inc. Stock Performance Analysis

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CACC
OMF

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Credit Acceptance Corporation4.50%1.80%4.56%28.85%23.44%26.19%
OneMain Holdings Inc.1.69%6.68%7.75%17.07%-14.18%-16.50%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Credit Acceptance Corporation13.09%10.84%32.59%227.27%614.57%1,914.52%
OneMain Holdings Inc.9.33%31.67%0.02%136.69%180.74%180.74%

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

MetricCACCOMF
Market Information
Market Cap i$5.71B$6.95B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i155,4581,336,380
90 Day Avg. Volume i173,5861,567,323
Last Close$572.79$57.67
52 Week Range$401.90 - $579.80$45.78 - $71.93
% from 52W High-1.21%-19.82%
All-Time High$703.27 (Nov 01, 2021)$71.93 (Jan 09, 2026)
% from All-Time High-18.55%-19.82%
Growth Metrics
Quarterly Revenue Growth0.02%0.12%
Quarterly Earnings Growth-0.20%0.62%
Financial Health
Profit Margin (TTM) i0.34%0.26%
Operating Margin (TTM) i0.47%0.34%
Return on Equity (TTM) i0.26%0.24%
Debt to Equity (MRQ) i417.17671.07
Cash & Liquidity
Book Value per Share (MRQ)$142.66$29.02
Cash per Share (MRQ)$2.12$7.80
Operating Cash Flow (TTM) i$1.05B$3.13B
Levered Free Cash Flow (TTM) i$4.29B$783.00M
Dividends
Last 12-Month Dividend Yield iN/A7.31%
Last 12-Month Dividend iN/A$4.18

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

MetricCACC (Apr 24, 2026)OMF (Apr 23, 2026)
Price Ratios
P/E Ratio (TTM) i14.338.98
Forward P/E i10.126.66
PEG Ratio i-1.470.14
Price to Sales (TTM) i4.642.33
Price to Book (MRQ) i3.652.03
Market Capitalization
Market Capitalization i$5.71B$6.95B
Enterprise Value i$11.94B$28.81B
Enterprise Value Metrics
Enterprise to Revenue i9.649.69
Enterprise to EBITDA i16.34N/A
Risk & Other Metrics
Beta i1.321.26
Book Value per Share (MRQ) i$142.66$29.02

Financial Statements Comparison: Credit Acceptance Corporation vs OneMain Holdings 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)OMF (2025)
Revenue/Sales i2.29B4.97B
Cost of Goods Sold i871.70MN/A
COGS % of Revenue i38.1%0.0%
Gross Profit i1.42BN/A
Gross Margin i61.9%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) i619.90MN/A
Operating Margin i27.1%0.0%
EBITDA i730.30MN/A
EBITDA Margin i31.9%0.0%
Pre-Tax Income i565.40M1.00B
Pre-Tax Income % of Revenue i24.7%20.1%
Income Tax i141.50M218.00M
Income Tax % of Revenue i6.2%4.4%
Net Income (Profit) i423.90M783.00M
Profit Margin i18.5%15.8%

Balance Sheet & Liquidity Metrics

MetricCACC (2025)OMF (2025)
Cash & Equivalents i22.80M738.00M
Total Current Assets i8.49BN/A
Total Current Assets % of Revenue i370.9%0.0%
Total Current Liabilities i400.20MN/A
Total Current Liabilities % of Revenue i17.5%0.0%
Long-Term Debt i6.35B22.69B
Long-Term Debt % of Revenue i277.7%456.6%
Total Shareholders Equity i1.52B3.40B
Retained Earnings i1.12B2.58B
Retained Earnings % of Revenue i48.9%51.9%
Property, Plant & Equipment i0N/A

Cash Flow Statement Comparison

MetricCACC (2025)OMF (2025)
Operating Cash Flow i554.50M1.15B
Operating Cash Flow % of Revenue i24.2%23.0%
Capital Expenditures i-1.60MN/A
Free Cash Flow i1.05B3.13B
FCF Margin i46.0%63.0%
Debt Repayment i-4.03B-6.82B
Common Stock Repurchase i-725.40M-141.00M

Short Interest & Institutional Ownership Analysis

MetricCACCOMF
Shares Short i1.05M4.48M
Short Ratio i4.902.58
Short % of Float i28.73%4.29%
Shares Outstanding i10.68M117.20M
Float Shares i5.41M116.51M
% Held by Insiders i49.99%0.35%
% Held by Institutions i78.92%94.28%
% Held by Public i-28.91%5.37%

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

MetricCACCOMF
Last 12-Month Dividend iN/A$4.18
Last 12-Month Dividend Yield iN/A7.31%
3-Year Avg Annual Dividend iN/A$4.11
3-Year Avg Dividend Yield iN/A2.12%
3-Year Total Dividends iN/A$12.34
Ex-Dividend DateN/AFeb 17, 2026