CACC vs LPRO
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. LPRO: Open Lending provides an automated risk management and insurance-backed lending platform that helps financial institutions profitably originate loans to near-prime and non-prime auto borrowers.
Side-by-side fundamentals
| Metric | CACC | LPRO | Edge |
|---|---|---|---|
| Price as of 2026-07-23 close | $592.57 | $3.13 | |
| Market cap as of 2026-07-24 | $6.2B | $372M | |
| P/E as of 2026-07-24 | 13.75 | n/a | |
| PEG as of 2026-07-24 | 0.21 | n/a | |
| Net margin as of 2026-07-24 | +19.5% | -6.0% | CACC higher |
| Gross margin as of 2026-07-24 | n/a | +77.2% | |
| Operating margin as of 2026-07-24 | +45.4% | -7.4% | CACC higher |
| ROE as of 2026-07-24 | +29.4% | -7.0% | CACC higher |
| ROA as of 2026-07-24 | +5.2% | -2.0% | CACC higher |
| Debt / equity as of 2026-07-24 | 4.23 | 1.10 | LPRO lower |
| Revenue growth (YoY) as of 2026-07-24 | +4.5% | +405.4% | LPRO higher |
| Revenue CAGR (3y) SEC XBRL | +8.1% | -19.6% | CACC higher |
| Beta as of 2026-07-24 | 1.35 | 2.24 | |
| 1-year return as of 2026-07-23 close | +16.8% | +22.7% | LPRO higher |
Fundamentals: Finnhub, as of 2026-07-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-23.
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.