WallStSmart

Credit Acceptance Corporation (CACC)vsCapital One Financial Corporation (COF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Capital One Financial Corporation generates 3591% more annual revenue ($48.11B vs $1.30B). CACC leads profitability with a 38.5% profit margin vs 21.9%. COF appears more attractively valued with a PEG of 0.19. COF earns a higher WallStSmart Score of 75/100 (B).

CACC

Strong Buy

75

out of 100

Grade: B

Growth: 7.3Profit: 9.0Value: 6.3Quality: 5.0
Piotroski: 5/9Altman Z: 0.67

COF

Strong Buy

75

out of 100

Grade: B

Growth: 7.3Profit: 7.0Value: 8.3Quality: 4.0
Piotroski: 2/9Altman Z: -0.36

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CACC5 strengths · Avg: 9.4/10
Profit MarginProfitability
38.5%10/10

Keeps 39 of every $100 in revenue as profit

Operating MarginProfitability
52.6%10/10

Strong operational efficiency at 52.6%

EPS GrowthGrowth
70.6%10/10

Earnings expanding 70.6% YoY

Return on EquityProfitability
29.9%9/10

Every $100 of equity generates 30 in profit

P/E RatioValuation
13.1x8/10

Attractively priced relative to earnings

COF6 strengths · Avg: 9.8/10
PEG RatioValuation
0.1910/10

Growing faster than its price suggests

P/E RatioValuation
11.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
33.6%10/10

Strong operational efficiency at 33.6%

Revenue GrowthGrowth
1111.0%10/10

Revenue surging 1111.0% year-over-year

Market CapQuality
$127.79B9/10

Large-cap with strong market position

Areas to Watch

CACC2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
0.672/10

Distress zone — elevated risk

Debt/EquityHealth
3.961/10

Elevated debt levels

COF3 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-3.2%2/10

Earnings declined 3.2%

Altman Z-ScoreHealth
-0.362/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : CACC

The strongest argument for CACC centers on Profit Margin, Operating Margin, EPS Growth. Profitability is solid with margins at 38.5% and operating margin at 52.6%. PEG of 1.15 suggests the stock is reasonably priced for its growth.

Bull Case : COF

The strongest argument for COF centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 21.9% and operating margin at 33.6%. Revenue growth of 1111.0% demonstrates continued momentum.

Bear Case : CACC

The primary concerns for CACC are Altman Z-Score, Debt/Equity. Debt-to-equity of 3.96 is elevated, increasing financial risk.

Bear Case : COF

The primary concerns for COF are Piotroski F-Score, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

CACC profiles as a mature stock while COF is a growth play — different risk/reward profiles.

CACC carries more volatility with a beta of 1.35 — expect wider price swings.

COF is growing revenue faster at 1111.0% — sustainability is the question.

COF generates stronger free cash flow (7.9B), providing more financial flexibility.

Bottom Line

CACC scores higher overall (75/100 vs 75/100), backed by strong 38.5% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Credit Acceptance Corporation

FINANCIAL SERVICES · CREDIT SERVICES · USA

Credit Acceptance Corporation offers financing programs and related products and services to independent and franchised automobile dealerships in the United States. The company is headquartered in Southfield, Michigan.

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Capital One Financial Corporation

FINANCIAL SERVICES · CREDIT SERVICES · USA

Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.

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