Western Union [WU] vs Credit Acceptance [CACC] Detailed Stock Comparison
Western Union
NYSE
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Credit Acceptance
NASDAQ
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TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Western Union wins in 10 metrics, Credit Acceptance wins in 9 metrics, with 0 ties. Western Union appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Western Union | Credit Acceptance | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 3.09 | 14.24 | Western Union |
| Price-to-Book Ratio | 3.00 | 3.56 | Western Union |
| Debt-to-Equity Ratio | 311.14 | 416.24 | Western Union |
| PEG Ratio | -0.26 | -0.05 | Western Union |
| EV/EBITDA | 4.80 | 31.71 | Western Union |
| Profit Margin (TTM) | 21.84% | 36.18% | Credit Acceptance |
| Operating Margin (TTM) | 18.78% | 40.19% | Credit Acceptance |
| EBITDA Margin (TTM) | 18.78% | 40.19% | Credit Acceptance |
| Return on Equity | 135.32% | 27.30% | Western Union |
| Return on Assets (TTM) | 5.76% | 5.00% | Western Union |
| Free Cash Flow (TTM) | $275.70M | $1.14B | Credit Acceptance |
| Dividend Yield | 5.44% | N/A | N/A |
| 1-Year Return | -31.90% | 7.82% | Credit Acceptance |
| Price-to-Sales Ratio (TTM) | 0.64 | 4.72 | Western Union |
| Enterprise Value | $4.34B | $11.94B | Credit Acceptance |
| EV/Revenue Ratio | 1.06 | 10.18 | Western Union |
| Gross Profit Margin (TTM) | 37.36% | 61.50% | Credit Acceptance |
| Revenue per Share (TTM) | $12 | $97 | Credit Acceptance |
| Earnings per Share (Diluted) | $2.64 | $34.61 | Credit Acceptance |
| Beta (Stock Volatility) | 0.63 | 1.20 | Western Union |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Western Union vs Credit Acceptance Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Western Union | -0.25% | 0.12% | -6.60% | -6.71% | -19.22% | -22.70% |
| Credit Acceptance | -3.95% | 2.64% | -4.99% | -5.45% | -1.67% | 5.95% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Western Union | -31.90% | -42.36% | -63.43% | -57.70% | -54.89% | -53.49% |
| Credit Acceptance | 7.82% | 14.10% | 47.73% | 122.96% | 742.37% | 3,079.81% |
News Based Sentiment: Western Union vs Credit Acceptance
Western Union
News based Sentiment: MIXED
October presented a mixed bag for Western Union, with disappointing earnings and a downgrade in market capitalization offset by progress on the Intermex acquisition and expansion into digital payments. The overall narrative suggests a company in transition facing significant challenges but also pursuing strategic growth initiatives.
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.
Performance & Financial Health Analysis: Western Union vs Credit Acceptance
| Metric | WU | CACC |
|---|---|---|
| Market Information | ||
| Market Cap | $2.61B | $5.54B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 13,534,300 | 146,750 |
| 90 Day Avg. Volume | 10,562,770 | 124,393 |
| Last Close | $8.07 | $492.87 |
| 52 Week Range | $7.85 - $12.02 | $414.16 - $560.00 |
| % from 52W High | -32.86% | -11.99% |
| All-Time High | $28.62 (Aug 11, 2008) | $703.27 (Nov 01, 2021) |
| % from All-Time High | -71.80% | -29.92% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.04% | 1.59% |
| Quarterly Earnings Growth | -0.13% | 0.08% |
| Financial Health | ||
| Profit Margin (TTM) | 0.22% | 0.36% |
| Operating Margin (TTM) | 0.19% | 0.40% |
| Return on Equity (TTM) | 1.35% | 0.27% |
| Debt to Equity (MRQ) | 311.14 | 416.24 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $2.73 | $138.35 |
| Cash per Share (MRQ) | $3.16 | $6.23 |
| Operating Cash Flow (TTM) | $494.00M | $1.11B |
| Levered Free Cash Flow (TTM) | $-129,937,504 | $10.14B |
| Dividends | ||
| Last 12-Month Dividend Yield | 5.44% | N/A |
| Last 12-Month Dividend | $0.46 | N/A |
Valuation & Enterprise Metrics Analysis: Western Union vs Credit Acceptance
| Metric | WU | CACC |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 3.09 | 14.24 |
| Forward P/E | 4.49 | 13.74 |
| PEG Ratio | -0.26 | -0.05 |
| Price to Sales (TTM) | 0.64 | 4.72 |
| Price to Book (MRQ) | 3.00 | 3.56 |
| Market Capitalization | ||
| Market Capitalization | $2.61B | $5.54B |
| Enterprise Value | $4.34B | $11.94B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 1.06 | 10.18 |
| Enterprise to EBITDA | 4.80 | 31.71 |
| Risk & Other Metrics | ||
| Beta | 0.63 | 1.20 |
| Book Value per Share (MRQ) | $2.73 | $138.35 |
Financial Statements Comparison: Western Union vs Credit Acceptance
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) | WU | CACC |
|---|---|---|
| Revenue/Sales | $983.60M | $562.30M |
| Cost of Goods Sold | $619.20M | $219.40M |
| Gross Profit | $364.40M | $342.90M |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | $177.40M | $134.10M |
| EBITDA | $221.80M | $142.20M |
| Pre-Tax Income | $147.30M | $141.70M |
| Income Tax | $23.80M | $35.40M |
| Net Income (Profit) | $123.50M | $106.30M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | WU | CACC |
|---|---|---|
| Cash & Equivalents | $1.45B | $528.80M |
| Total Current Assets | $4.81B | $9.12B |
| Total Current Liabilities | $4.52B | $521.00M |
| Long-Term Debt | $2.44B | $6.71B |
| Total Shareholders Equity | $939.40M | $1.71B |
| Retained Earnings | $-3.40M | $1.36B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | WU | CACC |
|---|---|---|
| Operating Cash Flow | $150.30M | $156.30M |
| Capital Expenditures | $-3.40M | $-300,000 |
| Free Cash Flow | $123.80M | $345.90M |
| Debt Repayment | $-500.00M | $-803.40M |
| Common Stock Repurchase | $-76.70M | $-164.40M |
Short Interest & Institutional Ownership Analysis
| Metric | WU | CACC |
|---|---|---|
| Shares Short | 40.79M | 687,869 |
| Short Ratio | 4.60 | 5.88 |
| Short % of Float | 0.17% | 0.17% |
| Average Daily Volume (10 Day) | 13,534,300 | 146,750 |
| Average Daily Volume (90 Day) | 10,562,770 | 124,393 |
| Shares Outstanding | 337.90M | 12.05M |
| Float Shares | 320.96M | 7.21M |
| % Held by Insiders | 0.00% | 0.47% |
| % Held by Institutions | 0.95% | 0.68% |
Dividend Analysis & Yield Comparison: Western Union vs Credit Acceptance
| Metric | WU | CACC |
|---|---|---|
| Last 12-Month Dividend | $0.46 | N/A |
| Last 12-Month Dividend Yield | 5.44% | N/A |
| 3-Year Avg Annual Dividend | $0.77 | N/A |
| 3-Year Avg Dividend Yield | 1.93% | N/A |
| 3-Year Total Dividends | $2.30 | N/A |
| Ex-Dividend Date | Mar 17, 2025 | N/A |