Credit Acceptance vs SLM
CACC and SLM 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 SLM compare
Credit Acceptance is the larger company, worth 1.6 times as much as SLM ($5.1B against $3.1B).
On earnings, SLM is cheaper: it trades at 6.2× trailing earnings, against 16.5× for Credit Acceptance.
Credit Acceptance grew revenue faster over the last twelve months (1.7% versus −6.7% for SLM).
SLM keeps more of each dollar of sales as profit, with a net margin of 31.7% compared with 14.4% at Credit Acceptance.
SLM pays a dividend yielding 3.0%; Credit Acceptance does not pay one.
SLM scores higher on the StockData Score (14 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 | SLM |
|---|---|---|
| Size and price | ||
| Market cap | $5.1B | $3.1B |
| Share price | $504.63 | $17.20 |
| Change, 1 year | 13.4% | −39.0% |
| Change, 5 years | −21.4% | −6.6% |
| Beta (5Y) | 1.29 | 1.11 |
| Employees | 2,314 | 1,788 |
| StockData Score | ||
| Total score | 4 | 14 (better) |
| Valuation score | 0 | 5 (better) |
| Growth score | 0 | 2 (better) |
| Performance score | 4 (better) | 3 |
| Health score | 0 | 1 (better) |
| Dividend score | 0 | 3 (better) |
| Valuation | ||
| P/E | 16.5× | 6.2× (better) |
| P/S | 2.2× | 1.8× (better) |
| P/B | 3.7× | 1.4× (better) |
| P/FCF | 4.1× | – |
| PEG | – | 0.25 |
| FCF yield | 24.6% | – |
| Fair value | $493.27 | $23.08 |
| Margin of safety | −2.3% | 25.5% (better) |
| Growth | ||
| Revenue growth (TTM) | 1.7% (better) | −6.7% |
| Revenue growth, 5Y average | 6.8% (better) | 1.8% |
| Net income growth (TTM) | −25.7% | −9.0% (better) |
| EPS growth (TTM) | −18.9% | −3.2% (better) |
| EPS growth, 5Y average | 9.2% (better) | 9.0% |
| Profitability | ||
| Net margin | 14.4% | 31.7% (better) |
| FCF margin | 53.6% | – |
| Return on equity | 22.7% | 24.7% (better) |
| Financial health | ||
| Debt / equity | – | 0.40 |
| Altman Z-score | 0.81 (better) | 0.36 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | – | 3.0% |
| Payout ratio | – | 17.7% |
| Years of dividend growth | – | 2 |
| Dividend growth, 5Y average | – | 34.1% |
| Buyback yield | 11.1% | 17.3% (better) |
| Shareholder yield | 11.1% | 20.4% (better) |
| Ownership | ||
| Held by institutions | 75.0% | 115% |
| Held by insiders | 54.3% | 6.8% |
| Insider net buying, 12 months | −$85.1M | – |
| Superinvestors holding | 2 (better) | 1 |
| Short interest, % of float | 21.4% | – |
Go deeper
- CACC stock overview
- CACC income statement
- CACC valuation and score
- SLM stock overview
- SLM income statement
- SLM valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.