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Credit Acceptance (CACC) Competitors

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$594.89 -5.59 (-0.93%)
As of 08/28/2026 04:00 PM Eastern

CACC vs. ALLY, SOFI, KSPI, FCFS, and OMF

Should you buy Credit Acceptance stock or one of its competitors? Credit Acceptance's main competitors and comparable companies include Ally Financial (ALLY), SoFi Technologies (SOFI), Joint Stock Company Kaspi.kz (KSPI), FirstCash (FCFS), and OneMain (OMF). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "consumer finance" industry.

How does Credit Acceptance compare to Ally Financial?

Ally Financial (NYSE:ALLY) and Credit Acceptance (NASDAQ:CACC) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their valuation, profitability, earnings, media sentiment, risk, analyst recommendations, institutional ownership and dividends.

Ally Financial has higher revenue and earnings than Credit Acceptance. Ally Financial is trading at a lower price-to-earnings ratio than Credit Acceptance, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Ally Financial$7.91B1.62$852M$4.249.95
Credit Acceptance$2.31B2.70$423.90M$45.4813.08

88.8% of Ally Financial shares are held by institutional investors. Comparatively, 81.7% of Credit Acceptance shares are held by institutional investors. 0.5% of Ally Financial shares are held by insiders. Comparatively, 6.1% of Credit Acceptance shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Credit Acceptance has a net margin of 21.54% compared to Ally Financial's net margin of 16.75%. Credit Acceptance's return on equity of 31.67% beat Ally Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Ally Financial16.75% 11.75% 0.79%
Credit Acceptance 21.54%31.67%5.68%

In the previous week, Ally Financial had 17 more articles in the media than Credit Acceptance. MarketBeat recorded 25 mentions for Ally Financial and 8 mentions for Credit Acceptance. Credit Acceptance's average media sentiment score of 1.60 beat Ally Financial's score of 1.48 indicating that Credit Acceptance is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Ally Financial
22 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
Credit Acceptance
6 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Very Positive

Ally Financial currently has a consensus price target of $53.64, suggesting a potential upside of 27.12%. Credit Acceptance has a consensus price target of $570.00, suggesting a potential downside of 4.18%. Given Ally Financial's stronger consensus rating and higher possible upside, equities analysts clearly believe Ally Financial is more favorable than Credit Acceptance.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Ally Financial
0 Sell rating(s)
2 Hold rating(s)
14 Buy rating(s)
0 Strong Buy rating(s)
2.88
Credit Acceptance
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25

Ally Financial has a beta of 1.1, meaning that its stock price is 10% more volatile than the broader market. Comparatively, Credit Acceptance has a beta of 1.37, meaning that its stock price is 37% more volatile than the broader market.

Summary

Credit Acceptance beats Ally Financial on 9 of the 16 factors compared between the two stocks.

How does Credit Acceptance compare to SoFi Technologies?

SoFi Technologies (NASDAQ:SOFI) and Credit Acceptance (NASDAQ:CACC) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their earnings, media sentiment, risk, valuation, profitability, analyst recommendations, institutional ownership and dividends.

38.4% of SoFi Technologies shares are owned by institutional investors. Comparatively, 81.7% of Credit Acceptance shares are owned by institutional investors. 2.5% of SoFi Technologies shares are owned by insiders. Comparatively, 6.1% of Credit Acceptance shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Credit Acceptance has a net margin of 21.54% compared to SoFi Technologies' net margin of 14.78%. Credit Acceptance's return on equity of 31.67% beat SoFi Technologies' return on equity.

Company Net Margins Return on Equity Return on Assets
SoFi Technologies14.78% 6.22% 1.22%
Credit Acceptance 21.54%31.67%5.68%

SoFi Technologies has higher revenue and earnings than Credit Acceptance. Credit Acceptance is trading at a lower price-to-earnings ratio than SoFi Technologies, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
SoFi Technologies$3.61B6.46$481.32M$0.4837.63
Credit Acceptance$2.31B2.70$423.90M$45.4813.08

SoFi Technologies has a beta of 2.17, indicating that its stock price is 117% more volatile than the broader market. Comparatively, Credit Acceptance has a beta of 1.37, indicating that its stock price is 37% more volatile than the broader market.

SoFi Technologies presently has a consensus target price of $22.42, indicating a potential upside of 24.12%. Credit Acceptance has a consensus target price of $570.00, indicating a potential downside of 4.18%. Given SoFi Technologies' higher probable upside, analysts clearly believe SoFi Technologies is more favorable than Credit Acceptance.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
SoFi Technologies
3 Sell rating(s)
10 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.24
Credit Acceptance
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25

In the previous week, SoFi Technologies had 34 more articles in the media than Credit Acceptance. MarketBeat recorded 42 mentions for SoFi Technologies and 8 mentions for Credit Acceptance. Credit Acceptance's average media sentiment score of 1.60 beat SoFi Technologies' score of 1.01 indicating that Credit Acceptance is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
SoFi Technologies
27 Very Positive mention(s)
2 Positive mention(s)
9 Neutral mention(s)
2 Negative mention(s)
0 Very Negative mention(s)
Positive
Credit Acceptance
6 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Very Positive

Summary

SoFi Technologies and Credit Acceptance tied by winning 8 of the 16 factors compared between the two stocks.

How does Credit Acceptance compare to Joint Stock Company Kaspi.kz?

Joint Stock Company Kaspi.kz (NASDAQ:KSPI) and Credit Acceptance (NASDAQ:CACC) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their valuation, risk, dividends, analyst recommendations, earnings, media sentiment, institutional ownership and profitability.

Joint Stock Company Kaspi.kz has a beta of 0.97, indicating that its share price is 3% less volatile than the broader market. Comparatively, Credit Acceptance has a beta of 1.37, indicating that its share price is 37% more volatile than the broader market.

Joint Stock Company Kaspi.kz has a net margin of 24.00% compared to Credit Acceptance's net margin of 21.54%. Joint Stock Company Kaspi.kz's return on equity of 40.69% beat Credit Acceptance's return on equity.

Company Net Margins Return on Equity Return on Assets
Joint Stock Company Kaspi.kz24.00% 40.69% 9.54%
Credit Acceptance 21.54%31.67%5.68%

Joint Stock Company Kaspi.kz currently has a consensus price target of $107.33, indicating a potential upside of 0.98%. Credit Acceptance has a consensus price target of $570.00, indicating a potential downside of 4.18%. Given Joint Stock Company Kaspi.kz's stronger consensus rating and higher possible upside, equities analysts plainly believe Joint Stock Company Kaspi.kz is more favorable than Credit Acceptance.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Joint Stock Company Kaspi.kz
0 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.40
Credit Acceptance
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25

Joint Stock Company Kaspi.kz has higher revenue and earnings than Credit Acceptance. Joint Stock Company Kaspi.kz is trading at a lower price-to-earnings ratio than Credit Acceptance, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Joint Stock Company Kaspi.kz$7.70B2.62$2.04B$10.989.68
Credit Acceptance$2.31B2.70$423.90M$45.4813.08

32.2% of Joint Stock Company Kaspi.kz shares are held by institutional investors. Comparatively, 81.7% of Credit Acceptance shares are held by institutional investors. 6.1% of Credit Acceptance shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

In the previous week, Credit Acceptance had 2 more articles in the media than Joint Stock Company Kaspi.kz. MarketBeat recorded 8 mentions for Credit Acceptance and 6 mentions for Joint Stock Company Kaspi.kz. Credit Acceptance's average media sentiment score of 1.60 beat Joint Stock Company Kaspi.kz's score of 0.88 indicating that Credit Acceptance is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Joint Stock Company Kaspi.kz
1 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Credit Acceptance
6 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Very Positive

Summary

Joint Stock Company Kaspi.kz and Credit Acceptance tied by winning 8 of the 16 factors compared between the two stocks.

How does Credit Acceptance compare to FirstCash?

FirstCash (NASDAQ:FCFS) and Credit Acceptance (NASDAQ:CACC) are both mid-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, analyst recommendations, valuation, profitability, dividends, earnings, media sentiment and risk.

FirstCash has a beta of 0.53, meaning that its stock price is 47% less volatile than the broader market. Comparatively, Credit Acceptance has a beta of 1.37, meaning that its stock price is 37% more volatile than the broader market.

Credit Acceptance has a net margin of 21.54% compared to FirstCash's net margin of 9.42%. Credit Acceptance's return on equity of 31.67% beat FirstCash's return on equity.

Company Net Margins Return on Equity Return on Assets
FirstCash9.42% 19.65% 8.38%
Credit Acceptance 21.54%31.67%5.68%

Credit Acceptance has lower revenue, but higher earnings than FirstCash. Credit Acceptance is trading at a lower price-to-earnings ratio than FirstCash, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
FirstCash$3.66B2.60$330.38M$8.7625.02
Credit Acceptance$2.31B2.70$423.90M$45.4813.08

FirstCash presently has a consensus target price of $249.00, suggesting a potential upside of 13.59%. Credit Acceptance has a consensus target price of $570.00, suggesting a potential downside of 4.18%. Given FirstCash's stronger consensus rating and higher possible upside, equities analysts plainly believe FirstCash is more favorable than Credit Acceptance.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FirstCash
0 Sell rating(s)
1 Hold rating(s)
4 Buy rating(s)
0 Strong Buy rating(s)
2.80
Credit Acceptance
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25

In the previous week, FirstCash had 11 more articles in the media than Credit Acceptance. MarketBeat recorded 19 mentions for FirstCash and 8 mentions for Credit Acceptance. Credit Acceptance's average media sentiment score of 1.60 beat FirstCash's score of 1.56 indicating that Credit Acceptance is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
FirstCash
16 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Credit Acceptance
6 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Very Positive

80.3% of FirstCash shares are held by institutional investors. Comparatively, 81.7% of Credit Acceptance shares are held by institutional investors. 2.9% of FirstCash shares are held by company insiders. Comparatively, 6.1% of Credit Acceptance shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Summary

Credit Acceptance beats FirstCash on 9 of the 16 factors compared between the two stocks.

How does Credit Acceptance compare to OneMain?

Credit Acceptance (NASDAQ:CACC) and OneMain (NYSE:OMF) are both mid-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, media sentiment, earnings, institutional ownership, dividends, analyst recommendations, valuation and risk.

Credit Acceptance has a net margin of 21.54% compared to OneMain's net margin of 13.92%. Credit Acceptance's return on equity of 31.67% beat OneMain's return on equity.

Company Net Margins Return on Equity Return on Assets
Credit Acceptance21.54% 31.67% 5.68%
OneMain 13.92%23.49%2.92%

Credit Acceptance has a beta of 1.37, suggesting that its share price is 37% more volatile than the broader market. Comparatively, OneMain has a beta of 1.21, suggesting that its share price is 21% more volatile than the broader market.

OneMain has higher revenue and earnings than Credit Acceptance. OneMain is trading at a lower price-to-earnings ratio than Credit Acceptance, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Credit Acceptance$2.31B2.70$423.90M$45.4813.08
OneMain$5.46B1.33$783M$6.649.48

In the previous week, OneMain had 7 more articles in the media than Credit Acceptance. MarketBeat recorded 15 mentions for OneMain and 8 mentions for Credit Acceptance. Credit Acceptance's average media sentiment score of 1.60 beat OneMain's score of 1.56 indicating that Credit Acceptance is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Credit Acceptance
6 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Very Positive
OneMain
14 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Very Positive

81.7% of Credit Acceptance shares are owned by institutional investors. Comparatively, 85.8% of OneMain shares are owned by institutional investors. 6.1% of Credit Acceptance shares are owned by company insiders. Comparatively, 0.3% of OneMain shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Credit Acceptance presently has a consensus price target of $570.00, indicating a potential downside of 4.18%. OneMain has a consensus price target of $68.40, indicating a potential upside of 8.66%. Given OneMain's stronger consensus rating and higher possible upside, analysts plainly believe OneMain is more favorable than Credit Acceptance.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Credit Acceptance
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25
OneMain
1 Sell rating(s)
3 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.58

Summary

Credit Acceptance beats OneMain on 9 of the 16 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding CACC and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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CACC vs. The Competition

MetricCredit AcceptanceConsumer Finance IndustryFinance SectorNASDAQ Exchange
Market Cap$6.22B$7.43B$14.10B$12.90B
Dividend YieldN/A12.46%5.88%11.28%
P/E Ratio13.089.2626.7425.42
Price / Sales2.7079.20523.3895.09
Price / Cash13.5011.7230.4036.03
Price / Book4.312.682.856.36
Net Income$423.90M$442.63M$1.31B$349.79M
7 Day Performance-1.02%-1.24%0.90%-0.80%
1 Month Performance7.06%0.03%2.48%4.13%
1 Year Performance15.57%8.51%10.76%15.17%

Credit Acceptance Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CACC
Credit Acceptance
2.5926 of 5 stars
$594.89
-0.9%
$570.00
-4.2%
+15.6%$6.22B$2.31B13.082,499
ALLY
Ally Financial
4.9954 of 5 stars
$42.96
+1.6%
$53.64
+24.9%
+2.8%$13.07B$9.63B10.1310,300
SOFI
SoFi Technologies
4.4168 of 5 stars
$18.91
+5.5%
$22.42
+18.5%
-29.3%$24.42B$4.31B39.406,100
KSPI
Joint Stock Company Kaspi.kz
4.1456 of 5 stars
$105.55
+1.8%
$103.50
-1.9%
+13.1%$20.06B$4.40T9.6114,008
FCFS
FirstCash
3.9929 of 5 stars
$225.28
+9.4%
$249.00
+10.5%
+48.8%$9.77B$4.12B25.7222,000

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This page (NASDAQ:CACC) was last updated on 8/30/2026 by MarketBeat.com Staff.
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