CACC vs COF
CACC: Credit Acceptance finances vehicle purchases for subprime and non-prime consumers through a nationwide dealer network, generating returns through origination spreads and servicing revenue. COF: America's largest credit card issuer, now strengthened by the Discover acquisition, offering an integrated suite of consumer banking, lending, and global payment network services.
Side-by-side fundamentals
| Metric | CACC | COF | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $606.22 | $201.36 | |
| Market cap as of 2026-07-23 | $6.5B | $124.3B | |
| P/E as of 2026-07-23 | 14.27 | 11.82 | COF lower |
| PEG as of 2026-07-23 | 0.21 | 5.38 | CACC lower |
| Net margin as of 2026-07-23 | +19.5% | +14.9% | CACC higher |
| Operating margin as of 2026-07-23 | +45.4% | +18.3% | CACC higher |
| ROE as of 2026-07-23 | +29.4% | +9.3% | CACC higher |
| ROA as of 2026-07-23 | +5.2% | +1.6% | CACC higher |
| Debt / equity as of 2026-07-23 | 4.23 | 0.39 | COF lower |
| Revenue growth (YoY) as of 2026-07-23 | +4.5% | +38.2% | COF higher |
| Revenue CAGR (3y) SEC XBRL | +8.1% | +16.0% | COF higher |
| Dividend yield as of 2026-07-23 | n/a | +1.6% | |
| Dividend streak (yrs) SEC XBRL | n/a | 5 | |
| Beta as of 2026-07-23 | 1.35 | 1.03 | |
| 1-year return as of 2026-07-22 close | +22.5% | -7.4% | CACC higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.