Credit Acceptance vs Happen
CACC and HAPN 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 HAPN compare
Credit Acceptance is the larger company, worth 2.9 times as much as Happen ($5.2B against $1.8B).
On earnings, Happen is cheaper: it trades at 8.8× trailing earnings, against 16.8× for Credit Acceptance.
Happen grew revenue faster over the last twelve months (10.0% versus 1.7% for Credit Acceptance).
Happen keeps more of each dollar of sales as profit, with a net margin of 20.2% compared with 14.4% at Credit Acceptance.
Happen scores higher on the StockData Score (8 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 | HAPN |
|---|---|---|
| Size and price | ||
| Market cap | $5.2B | $1.8B |
| Share price | $513.78 | $15.72 |
| Change, 1 year | 18.7% | −16.6% |
| Change, 5 years | −20.0% | −59.6% |
| Beta (5Y) | 1.30 | 1.75 |
| Employees | 2,314 | 1,075 |
| StockData Score | ||
| Total score | 4 | 8 (better) |
| Valuation score | 0 | 4 (better) |
| Growth score | 0 | 2 (better) |
| Performance score | 4 (better) | 2 |
| Health score | 0 | 0 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 16.8× | 8.8× (better) |
| P/S | 2.2× | 1.7× (better) |
| P/B | 3.7× | 1.1× (better) |
| P/FCF | 4.1× | – |
| FCF yield | 24.1% (better) | −159% |
| Fair value | $497.50 | $24.61 |
| Margin of safety | −3.3% | 36.1% (better) |
| Growth | ||
| Revenue growth (TTM) | 1.7% | 10.0% (better) |
| Revenue growth, 5Y average | 6.8% | 25.7% (better) |
| Net income growth (TTM) | −25.7% | 103% (better) |
| EPS growth (TTM) | −18.9% | 103% (better) |
| EPS growth, 5Y average | 9.2% | – |
| Profitability | ||
| Net margin | 14.4% | 20.2% (better) |
| FCF margin | 53.6% (better) | −275% |
| Return on equity | 22.7% (better) | 13.8% |
| Financial health | ||
| Altman Z-score | 0.82 (better) | 0.17 |
| Piotroski F-score | 6 (better) | 4 |
| Dividends and buybacks | ||
| Buyback yield | 10.9% | – |
| Shareholder yield | 10.9% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 75.0% | 90.5% |
| Held by insiders | 54.3% | 2.2% |
| Insider net buying, 12 months | −$85.1M | −$9.4M (better) |
| Superinvestors holding | 2 | – |
| Short interest, % of float | 21.4% | 5.9% |
Go deeper
- CACC stock overview
- CACC income statement
- CACC valuation and score
- HAPN stock overview
- HAPN income statement
- HAPN valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.