Credit Acceptance vs World Acceptance
CACC and WRLD 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 WRLD compare
Credit Acceptance is the larger company, worth 6.3 times as much as World Acceptance ($4.8B against $767M).
On earnings, Credit Acceptance is cheaper: it trades at 15.2× trailing earnings, against 19.8× for World Acceptance.
World Acceptance grew revenue faster over the last twelve months (4.3% 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 6.6% at World Acceptance.
Credit Acceptance scores higher on the StockData Score (4 against 2 for World 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 | WRLD |
|---|---|---|
| Size and price | ||
| Market cap | $4.8B | $767M |
| Share price | $464.89 | $164.47 |
| Change, 1 year | 1.2% | 24.7% |
| Change, 5 years | −32.2% | −32.6% |
| Beta (5Y) | 1.32 | 1.48 |
| Employees | 2,314 | 3,744 |
| StockData Score | ||
| Total score | 4 (better) | 2 |
| Valuation score | 1 | 1 |
| Growth score | 0 | 1 (better) |
| Performance score | 3 (better) | 0 |
| Health score | 0 | 0 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 15.2× (better) | 19.8× |
| P/S | 2.1× | 1.3× (better) |
| P/B | 3.5× | 2.1× (better) |
| P/FCF | 3.8× | 2.9× (better) |
| PEG | – | 0.82 |
| FCF yield | 26.0% | 34.1% (better) |
| Fair value | $523.52 | $194.23 |
| Margin of safety | 11.2% | 15.3% (better) |
| Growth | ||
| Revenue growth (TTM) | 1.7% | 4.3% (better) |
| Revenue growth, 5Y average | 6.8% (better) | 2.1% |
| Net income growth (TTM) | −25.7% (better) | −51.5% |
| EPS growth (TTM) | −18.9% (better) | −43.6% |
| EPS growth, 5Y average | 9.2% (better) | −12.3% |
| Profitability | ||
| Net margin | 14.4% (better) | 6.6% |
| FCF margin | 53.6% (better) | 44.2% |
| Return on equity | 22.7% (better) | 9.9% |
| Financial health | ||
| Altman Z-score | 0.79 | 1.29 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Buyback yield | 11.7% | 15.9% (better) |
| Shareholder yield | 11.7% | 15.9% (better) |
| Ownership | ||
| Held by institutions | 73.2% | 96.1% |
| Held by insiders | 54.0% | 54.8% |
| Insider net buying, 12 months | −$86.8M | −$29.2M (better) |
| Superinvestors holding | 2 | – |
| Short interest, % of float | 20.1% | 18.7% |
Go deeper
- CACC stock overview
- CACC income statement
- CACC valuation and score
- WRLD stock overview
- WRLD income statement
- WRLD valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.