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 7.9 times as much as World Acceptance ($5.1B against $644M).
On earnings, World Acceptance is cheaper: it trades at 13.1× trailing earnings, against 16.5× for Credit Acceptance.
World Acceptance grew revenue faster over the last twelve months (4.5% 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 8.3% 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 | $5.1B | $644M |
| Share price | $504.63 | $138.16 |
| Change, 1 year | 13.4% | 0.22% |
| Change, 5 years | −21.4% | −37.6% |
| Beta (5Y) | 1.29 | 1.47 |
| Employees | 2,314 | 3,744 |
| StockData Score | ||
| Total score | 4 (better) | 2 |
| Valuation score | 0 | 1 (better) |
| Growth score | 0 | 1 (better) |
| Performance score | 4 (better) | 0 |
| Health score | 0 | 0 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 16.5× | 13.1× (better) |
| P/S | 2.2× | 1.1× (better) |
| P/B | 3.7× | 1.8× (better) |
| P/FCF | 4.1× | 2.3× (better) |
| PEG | – | 0.54 |
| FCF yield | 24.6% | 43.2% (better) |
| Fair value | $493.27 | $125.36 |
| Margin of safety | −2.3% (better) | −10.2% |
| Growth | ||
| Revenue growth (TTM) | 1.7% | 4.5% (better) |
| Revenue growth, 5Y average | 6.8% (better) | 2.1% |
| Net income growth (TTM) | −25.7% | −12.6% (better) |
| EPS growth (TTM) | −18.9% | 1.8% (better) |
| EPS growth, 5Y average | 9.2% (better) | −12.3% |
| Profitability | ||
| Net margin | 14.4% (better) | 8.3% |
| FCF margin | 53.6% (better) | 46.7% |
| Return on equity | 22.7% (better) | 13.9% |
| Financial health | ||
| Altman Z-score | 0.81 | 1.15 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Buyback yield | 11.1% | 12.4% (better) |
| Shareholder yield | 11.1% | 12.4% (better) |
| Ownership | ||
| Held by institutions | 75.0% | 96.1% |
| Held by insiders | 54.3% | 54.7% |
| Insider net buying, 12 months | −$85.1M | −$44.9M (better) |
| Superinvestors holding | 2 | – |
| Short interest, % of float | 21.4% | 18.1% |
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.