Atlanticus vs Credit Acceptance
ATLC and CACC side by side, both in personal credit institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ATLC and CACC compare
Credit Acceptance is the larger company, worth 4.0 times as much as Atlanticus ($5.1B against $1.3B).
On earnings, Atlanticus is cheaper: it trades at 7.4× trailing earnings, against 16.5× for Credit Acceptance.
Atlanticus grew revenue faster over the last twelve months (87.9% versus 1.7% for Credit Acceptance).
Credit Acceptance keeps more of each dollar of sales as profit, with a net margin of 14.4% compared with 7.6% at Atlanticus.
Atlanticus scores higher on the StockData Score (12 against 4 for Credit Acceptance), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ATLC | CACC |
|---|---|---|
| Size and price | ||
| Market cap | $1.3B | $5.1B |
| Share price | $83.42 | $504.63 |
| Change, 1 year | 59.0% | 13.4% |
| Change, 5 years | 23.3% | −21.4% |
| Beta (5Y) | 1.76 | 1.29 |
| Employees | 576 | 2,314 |
| StockData Score | ||
| Total score | 12 (better) | 4 |
| Valuation score | 5 (better) | 0 |
| Growth score | 4 (better) | 0 |
| Performance score | 3 | 4 (better) |
| Health score | 0 | 0 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 7.4× (better) | 16.5× |
| P/S | 0.4× (better) | 2.2× |
| P/B | 1.6× (better) | 3.7× |
| EV/EBITDA | 0.8× | – |
| P/FCF | – | 4.1× |
| PEG | 9.99 | – |
| FCF yield | – | 24.6% |
| Fair value | $198.01 | $493.27 |
| Margin of safety | 57.9% (better) | −2.3% |
| Growth | ||
| Revenue growth (TTM) | 87.9% (better) | 1.7% |
| Revenue growth, 5Y average | 28.4% (better) | 6.8% |
| Net income growth (TTM) | 89.6% (better) | −25.7% |
| EPS growth (TTM) | 102% (better) | −18.9% |
| EPS growth, 5Y average | 8.6% | 9.2% (better) |
| Profitability | ||
| Gross margin | 92.4% | – |
| Net margin | 7.6% | 14.4% (better) |
| FCF margin | – | 53.6% |
| Return on equity | 32.0% (better) | 22.7% |
| Financial health | ||
| Altman Z-score | 0.61 | 0.81 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Buyback yield | 0.51% | 11.1% (better) |
| Shareholder yield | 0.51% | 11.1% (better) |
| Ownership | ||
| Held by institutions | 26.1% | 75.0% |
| Held by insiders | 91.5% | 54.3% |
| Insider net buying, 12 months | −$10.6M (better) | −$85.1M |
| Superinvestors holding | – | 2 |
| Short interest, % of float | – | 21.4% |
Go deeper
- ATLC stock overview
- ATLC income statement
- ATLC valuation and score
- CACC stock overview
- CACC income statement
- CACC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.