Affirm Holdings, Inc. (AFRM) vs Credit Acceptance Corporation (CACC)
- Affirm Holdings, Inc. AFRM 74.01 −2.52%
- Credit Acceptance Corporation CACC 545.29 −1.13%
Affirm Holdings, Inc. and Credit Acceptance Corporation are both Credit Services companies. Affirm Holdings, Inc. is the larger, with a market value of $25.6B against $5.7B — 4.5× the size. Credit Acceptance Corporation trades at the lower P/E: 11.7× against 13.0×. Affirm Holdings, Inc. grew revenue faster over the last twelve months: 32.2% against 2.58%. Affirm Holdings, Inc. has the higher net margin (45.3% vs 21.5%) and the lower return on invested capital (2.16% vs 10.0%). Across the 20 metrics below, Credit Acceptance Corporation leads on 13 and Affirm Holdings, Inc. on 7.
Valuation
Profitability
| Metric | AFRM | CACC | Credit Services median |
|---|---|---|---|
| Gross margin | 57.41% | 100.00% | 77.13% |
| Operating margin | 9.79% | 50.01% | 0.34% |
| Net margin | 45.29% | 21.54% | 9.25% |
| Free cash flow margin | 23.30% | 52.41% | 12.91% |
| Return on equity | 45.13% | 31.93% | 8.49% |
| Return on assets | 14.32% | 5.79% | 2.16% |
| Return on invested capital | 2.16% | 10.02% | 4.09% |
Growth
Health
Dividend
Size
Any metric, up to five companies and an Excel export Powerpack