Credit Acceptance [CACC] vs Visa [V] Detailed Stock Comparison

Credit Acceptance

NASDAQ
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Visa

NYSE
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TLDR: Quick Comparison Summary

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

View Metrics Details

Vital Metrics Comparison

Metric Credit Acceptance Visa Better
P/E Ratio (TTM) 14.24 34.35 Credit Acceptance
Price-to-Book Ratio 3.56 18.00 Credit Acceptance
Debt-to-Equity Ratio 416.24 65.02 Visa
PEG Ratio -0.05 2.84 Credit Acceptance
EV/EBITDA 31.71 25.18 Visa
Profit Margin (TTM) 36.18% 52.16% Visa
Operating Margin (TTM) 40.19% 66.77% Visa
EBITDA Margin (TTM) 40.19% 66.77% Visa
Return on Equity 27.30% 51.76% Visa
Return on Assets (TTM) 5.00% 17.05% Visa
Free Cash Flow (TTM) $1.14B $18.69B Visa
Dividend Yield N/A 0.50% N/A
1-Year Return 7.82% 24.91% Visa
Price-to-Sales Ratio (TTM) 4.72 17.43 Credit Acceptance
Enterprise Value $11.94B $685.86B Visa
EV/Revenue Ratio 10.18 17.64 Credit Acceptance
Gross Profit Margin (TTM) 61.50% 80.60% Visa
Revenue per Share (TTM) $97 $21 Credit Acceptance
Earnings per Share (Diluted) $34.61 $10.26 Credit Acceptance
Beta (Stock Volatility) 1.20 0.90 Visa
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Credit Acceptance vs Visa Stock Performance Analysis

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Credit Acceptance
Visa
Credit Acceptance Stock Overview | Visa Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Credit Acceptance-3.95%2.64%-4.99%-5.45%-1.67%5.95%
Visa-1.23%0.32%0.89%-3.00%4.39%10.38%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Credit Acceptance7.82%14.10%47.73%122.96%742.37%3,079.81%
Visa24.91%90.03%73.29%356.63%1,688.87%2,056.87%

News Based Sentiment: Credit Acceptance vs Visa

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

Visa

News based Sentiment: POSITIVE

October was a positive month for Visa, characterized by anticipation of strong earnings, strategic partnerships, and continued investment in innovation. While an analyst downgrade introduced a note of caution, the overall narrative points to continued growth and a favorable investment outlook.

View Visa News Sentiment Analysis

Performance & Financial Health Analysis: Credit Acceptance vs Visa

MetricCACCV
Market Information
Market Cap i$5.54B$681.97B
Market Cap CategoryMid capMega cap
10 Day Avg. Volume i146,7506,416,570
90 Day Avg. Volume i124,3936,011,223
Last Close$492.87$347.04
52 Week Range$414.16 - $560.00$274.42 - $375.51
% from 52W High-11.99%-7.58%
All-Time High$703.27 (Nov 01, 2021)$375.51 (Jun 11, 2025)
% from All-Time High-29.92%-7.58%
Growth Metrics
Quarterly Revenue Growth1.59%0.14%
Quarterly Earnings Growth0.08%0.08%
Financial Health
Profit Margin (TTM) i0.36%0.52%
Operating Margin (TTM) i0.40%0.67%
Return on Equity (TTM) i0.27%0.52%
Debt to Equity (MRQ) i416.2465.02
Cash & Liquidity
Book Value per Share (MRQ)$138.35$19.58
Cash per Share (MRQ)$6.23$9.95
Operating Cash Flow (TTM) i$1.11B$23.48B
Levered Free Cash Flow (TTM) i$10.14B$18.05B
Dividends
Last 12-Month Dividend Yield iN/A0.50%
Last 12-Month Dividend iN/A$1.70

Valuation & Enterprise Metrics Analysis: Credit Acceptance vs Visa

MetricCACCV
Price Ratios
P/E Ratio (TTM) i14.2434.35
Forward P/E i13.7427.84
PEG Ratio i-0.052.84
Price to Sales (TTM) i4.7217.43
Price to Book (MRQ) i3.5618.00
Market Capitalization
Market Capitalization i$5.54B$681.97B
Enterprise Value i$11.94B$685.86B
Enterprise Value Metrics
Enterprise to Revenue i10.1817.64
Enterprise to EBITDA i31.7125.18
Risk & Other Metrics
Beta i1.200.90
Book Value per Share (MRQ) i$138.35$19.58

Financial Statements Comparison: Credit Acceptance vs Visa

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)CACCV
Revenue/Sales i$562.30M$9.59B
Cost of Goods Sold i$219.40M$1.88B
Gross Profit i$342.90M$7.71B
Research & Development iN/AN/A
Operating Income (EBIT) i$134.10M$6.44B
EBITDA i$142.20M$6.74B
Pre-Tax Income i$141.70M$5.44B
Income Tax i$35.40M$861.00M
Net Income (Profit) i$106.30M$4.58B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)CACCV
Cash & Equivalents i$528.80M$11.73B
Total Current Assets i$9.12B$32.93B
Total Current Liabilities i$521.00M$30.38B
Long-Term Debt i$6.71B$16.81B
Total Shareholders Equity i$1.71B$38.03B
Retained Earnings i$1.36B$16.52B
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)CACCV
Operating Cash Flow i$156.30M$4.22B
Capital Expenditures i$-300,000$-327.00M
Free Cash Flow i$345.90M$4.37B
Debt Repayment i$-803.40MN/A
Common Stock Repurchase i$-164.40M$-4.60B

Short Interest & Institutional Ownership Analysis

MetricCACCV
Shares Short i687,86926.74M
Short Ratio i5.885.29
Short % of Float i0.17%0.02%
Average Daily Volume (10 Day) i146,7506,416,570
Average Daily Volume (90 Day) i124,3936,011,223
Shares Outstanding i12.05M1.98B
Float Shares i7.21M1.76B
% Held by Insiders i0.47%0.01%
% Held by Institutions i0.68%0.90%

Dividend Analysis & Yield Comparison: Credit Acceptance vs Visa

MetricCACCV
Last 12-Month Dividend iN/A$1.70
Last 12-Month Dividend Yield iN/A0.50%
3-Year Avg Annual Dividend iN/A$1.81
3-Year Avg Dividend Yield iN/A0.19%
3-Year Total Dividends iN/A$5.44
Ex-Dividend DateN/AFeb 11, 2025