Credit Acceptance vs OneMain
CACC and OMF side by side, both in personal credit institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CACC and OMF compare
OneMain is the larger company, worth 1.2 times as much as Credit Acceptance ($6.3B against $5.1B).
On earnings, OneMain is cheaper: it trades at 8.4× trailing earnings, against 16.5× for Credit Acceptance.
OneMain grew revenue faster over the last twelve months (8.8% versus 1.7% for Credit Acceptance).
OneMain keeps more of each dollar of sales as profit, with a net margin of 14.7% compared with 14.4% at Credit Acceptance.
OneMain pays a dividend yielding 5.7%; Credit Acceptance does not pay one.
OneMain scores higher on the StockData Score (15 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 | CACC | OMF |
|---|---|---|
| Size and price | ||
| Market cap | $5.1B | $6.3B |
| Share price | $504.63 | $55.35 |
| Change, 1 year | 13.4% | −8.4% |
| Change, 5 years | −21.4% | 12.1% |
| Beta (5Y) | 1.29 | 1.28 |
| Employees | 2,314 | 9,300 |
| StockData Score | ||
| Total score | 4 | 15 (better) |
| Valuation score | 0 | 3 (better) |
| Growth score | 0 | 1 (better) |
| Performance score | 4 (better) | 3 |
| Health score | 0 | 4 (better) |
| Dividend score | 0 | 4 (better) |
| Valuation | ||
| P/E | 16.5× | 8.4× (better) |
| P/S | 2.2× | 1.2× (better) |
| P/B | 3.7× | 1.9× (better) |
| P/FCF | 4.1× | – |
| FCF yield | 24.6% | – |
| Fair value | $493.27 | $55.61 |
| Margin of safety | −2.3% | 0.47% (better) |
| Growth | ||
| Revenue growth (TTM) | 1.7% | 8.8% (better) |
| Revenue growth, 5Y average | 6.8% (better) | 4.9% |
| Net income growth (TTM) | −25.7% | 8.8% (better) |
| EPS growth (TTM) | −18.9% | 11.4% (better) |
| EPS growth, 5Y average | 9.2% (better) | 3.9% |
| Profitability | ||
| Net margin | 14.4% | 14.7% (better) |
| FCF margin | 53.6% | – |
| Return on equity | 22.7% (better) | 22.7% |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Altman Z-score | 0.81 (better) | 0.47 |
| Piotroski F-score | 6 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | – | 5.7% |
| Payout ratio | – | 64.4% |
| Years of dividend growth | – | 3 |
| Dividend growth, 5Y average | – | −6.8% |
| Buyback yield | 11.1% (better) | 3.9% |
| Shareholder yield | 11.1% (better) | 9.5% |
| Ownership | ||
| Held by institutions | 75.0% | 94.6% |
| Held by insiders | 54.3% | 0.56% |
| Insider net buying, 12 months | −$85.1M | −$5.4M (better) |
| Superinvestors holding | 2 | 4 (better) |
| Short interest, % of float | 21.4% | 3.5% |
Go deeper
- CACC stock overview
- CACC income statement
- CACC valuation and score
- OMF stock overview
- OMF income statement
- OMF valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.