Credit Acceptance Corporation (CACC)vsMastercard Inc (MA)
CACC
Credit Acceptance Corporation
$544.71
-0.67%
FINANCIAL SERVICES · Cap: $5.73B
MA
Mastercard Inc
$491.08
+0.13%
FINANCIAL SERVICES · Cap: $422.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 2560% more annual revenue ($33.94B vs $1.28B). MA leads profitability with a 45.9% profit margin vs 35.5%. CACC appears more attractively valued with a PEG of 1.15. CACC earns a higher WallStSmart Score of 75/100 (B+).
CACC
Strong Buy75
out of 100
Grade: B+
MA
Strong Buy70
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 52.7%
Every $100 of equity generates 30 in profit
Attractively priced relative to earnings
Earnings expanding 43.2% YoY
Mega-cap, among the largest globally
Every $100 of equity generates 232 in profit
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 60.8%
Safe zone — low bankruptcy risk
15.8% revenue growth
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Moderate valuation
Trading at 64.8x book value
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CACC
The strongest argument for CACC centers on Profit Margin, Operating Margin, Return on Equity. Profitability is solid with margins at 35.5% and operating margin at 52.7%. Revenue growth of 12.7% demonstrates continued momentum.
Bull Case : MA
The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 45.9% and operating margin at 60.8%. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : CACC
The primary concerns for CACC are Altman Z-Score, Debt/Equity. Debt-to-equity of 4.23 is elevated, increasing financial risk.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 2.82 is elevated, increasing financial risk.
Key Dynamics to Monitor
CACC profiles as a mature stock while MA is a growth play — different risk/reward profiles.
CACC carries more volatility with a beta of 1.39 — expect wider price swings.
MA is growing revenue faster at 15.8% — sustainability is the question.
MA generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
CACC scores higher overall (75/100 vs 70/100), backed by strong 35.5% margins and 12.7% revenue growth. 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.
Visit Website →Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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