CACC vs CPSS
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. CPSS: A subprime auto finance company that buys dealer-originated contracts and securitizes them to fund lending to credit-challenged car buyers.
Side-by-side fundamentals
| Metric | CACC | CPSS | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $606.22 | $9.27 | |
| Market cap as of 2026-07-23 | $6.5B | $198M | |
| P/E as of 2026-07-23 | 14.27 | 9.83 | CPSS lower |
| PEG as of 2026-07-23 | 0.21 | 1.75 | CACC lower |
| Net margin as of 2026-07-23 | +19.5% | +4.6% | CACC higher |
| Gross margin as of 2026-07-23 | n/a | +45.7% | |
| Operating margin as of 2026-07-23 | +45.4% | +6.0% | CACC higher |
| ROE as of 2026-07-23 | +29.4% | +6.5% | CACC higher |
| ROA as of 2026-07-23 | +5.2% | +0.5% | CACC higher |
| Debt / equity as of 2026-07-23 | 4.23 | 11.67 | CACC lower |
| Revenue growth (YoY) as of 2026-07-23 | +4.5% | +12.3% | CPSS higher |
| Revenue CAGR (3y) SEC XBRL | +8.1% | +9.6% | CPSS higher |
| Beta as of 2026-07-23 | 1.35 | 1.12 | |
| 1-year return as of 2026-07-22 close | +22.5% | +6.8% | 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.