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

Credit Acceptance Corporation

NASDAQ
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Visa Inc.

NYSE
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TLDR: Quick Comparison Summary

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

View Metrics Details

Vital Metrics Comparison

Metric Credit Acceptance Corporation Visa Inc. Better
P/E Ratio (TTM) 14.33 28.98 Credit Acceptance Corporation
Price-to-Book Ratio 3.65 15.42 Credit Acceptance Corporation
Debt-to-Equity Ratio 417.17 54.61 Visa Inc.
PEG Ratio -1.47 1.66 Visa Inc.
EV/EBITDA 16.34 20.50 Credit Acceptance Corporation
Profit Margin (TTM) 34.24% 50.23% Visa Inc.
Operating Margin (TTM) 46.66% 68.30% Visa Inc.
EBITDA Margin (TTM) 46.66% 68.30% Visa Inc.
Return on Equity 25.90% 53.95% Visa Inc.
Return on Assets (TTM) 4.85% 18.36% Visa Inc.
Free Cash Flow (TTM) $1.05B $21.58B Visa Inc.
Dividend Yield N/A 0.78% N/A
1-Year Return 13.09% -8.63% Credit Acceptance Corporation
Price-to-Sales Ratio (TTM) 4.64 14.39 Credit Acceptance Corporation
Enterprise Value $11.94B $594.14B Visa Inc.
EV/Revenue Ratio 9.64 14.35 Credit Acceptance Corporation
Gross Profit Margin (TTM) 63.34% 81.68% Visa Inc.
Revenue per Share (TTM) $108 $21 Credit Acceptance Corporation
Earnings per Share (Diluted) $36.38 $10.66 Credit Acceptance Corporation
Beta (Stock Volatility) 1.32 0.80 Visa Inc.
Short % of Float 28.73% 1.40% Visa Inc.

Credit Acceptance Corporation vs Visa Inc. Stock Performance Analysis

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CACC
V

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Credit Acceptance Corporation4.50%1.80%4.56%28.85%23.44%26.19%
Visa Inc.0.44%1.30%-0.59%4.42%-6.65%-6.54%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Credit Acceptance Corporation13.09%10.84%32.59%227.27%614.57%1,914.52%
Visa Inc.-8.63%40.84%39.92%318.74%1,632.35%1,903.67%

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

MetricCACCV
Market Information
Market Cap i$5.71B$596.57B
Market Cap CategoryMid capMega cap
10 Day Avg. Volume i155,4586,138,912
90 Day Avg. Volume i173,5866,859,421
Last Close$572.79$323.82
52 Week Range$401.90 - $579.80$293.89 - $360.22
% from 52W High-1.21%-10.10%
All-Time High$703.27 (Nov 01, 2021)$375.51 (Jun 11, 2025)
% from All-Time High-18.55%-13.77%
Growth Metrics
Quarterly Revenue Growth0.02%0.15%
Quarterly Earnings Growth-0.20%0.14%
Financial Health
Profit Margin (TTM) i0.34%0.50%
Operating Margin (TTM) i0.47%0.68%
Return on Equity (TTM) i0.26%0.54%
Debt to Equity (MRQ) i417.1754.61
Cash & Liquidity
Book Value per Share (MRQ)$142.66$20.03
Cash per Share (MRQ)$2.12$8.60
Operating Cash Flow (TTM) i$1.05B$24.44B
Levered Free Cash Flow (TTM) i$4.29B$22.03B
Dividends
Last 12-Month Dividend Yield iN/A0.78%
Last 12-Month Dividend iN/A$2.52

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

MetricCACC (Apr 24, 2026)V (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i14.3328.98
Forward P/E i10.1221.23
PEG Ratio i-1.471.66
Price to Sales (TTM) i4.6414.39
Price to Book (MRQ) i3.6515.42
Market Capitalization
Market Capitalization i$5.71B$596.57B
Enterprise Value i$11.94B$594.14B
Enterprise Value Metrics
Enterprise to Revenue i9.6414.35
Enterprise to EBITDA i16.3420.50
Risk & Other Metrics
Beta i1.320.80
Book Value per Share (MRQ) i$142.66$20.03

Financial Statements Comparison: Credit Acceptance Corporation vs Visa 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)V (2025)
Revenue/Sales i2.29B40.00B
Cost of Goods Sold i871.70M7.86B
COGS % of Revenue i38.1%19.6%
Gross Profit i1.42B32.15B
Gross Margin i61.9%80.4%
Research & Development iN/AN/A
Operating Income (EBIT) i619.90M26.56B
Operating Margin i27.1%66.4%
EBITDA i730.30M27.78B
EBITDA Margin i31.9%69.4%
Pre-Tax Income i565.40M24.19B
Pre-Tax Income % of Revenue i24.7%60.5%
Income Tax i141.50M4.14B
Income Tax % of Revenue i6.2%10.3%
Net Income (Profit) i423.90M20.06B
Profit Margin i18.5%50.1%

Balance Sheet & Liquidity Metrics

MetricCACC (2025)V (2025)
Cash & Equivalents i22.80M17.16B
Total Current Assets i8.49B37.77B
Total Current Assets % of Revenue i370.9%94.4%
Total Current Liabilities i400.20M35.05B
Total Current Liabilities % of Revenue i17.5%87.6%
Long-Term Debt i6.35B19.60B
Long-Term Debt % of Revenue i277.7%49.0%
Total Shareholders Equity i1.52B37.91B
Retained Earnings i1.12B15.11B
Retained Earnings % of Revenue i48.9%37.8%
Property, Plant & Equipment i00

Cash Flow Statement Comparison

MetricCACC (2025)V (2025)
Operating Cash Flow i554.50M22.89B
Operating Cash Flow % of Revenue i24.2%57.2%
Capital Expenditures i-1.60M-1.48B
Free Cash Flow i1.05B21.58B
FCF Margin i46.0%53.9%
Debt Repayment i-4.03B0
Common Stock Repurchase i-725.40M-18.32B

Short Interest & Institutional Ownership Analysis

MetricCACCV
Shares Short i1.05M23.46M
Short Ratio i4.903.17
Short % of Float i28.73%1.40%
Shares Outstanding i10.68M1.93B
Float Shares i5.41M1.74B
% Held by Insiders i49.99%0.59%
% Held by Institutions i78.92%90.99%
% Held by Public i-28.91%8.42%

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

MetricCACCV
Last 12-Month Dividend iN/A$2.52
Last 12-Month Dividend Yield iN/A0.78%
3-Year Avg Annual Dividend iN/A$2.23
3-Year Avg Dividend Yield iN/A0.19%
3-Year Total Dividends iN/A$6.68
Ex-Dividend DateN/AFeb 10, 2026