Credit Acceptance Corporation (CACC) vs Enova International, Inc. (ENVA)
Credit Acceptance Corporation and Enova International, Inc. are both Credit Services companies. Credit Acceptance Corporation is the larger, with a market value of $5.7B against $4.3B — 1.3× the size. Credit Acceptance Corporation trades at the lower P/E: 12.0× against 12.1×. Enova International, Inc. grew revenue faster over the last twelve months: 17.7% against 2.58%. Credit Acceptance Corporation has the higher net margin (21.5% vs 10.3%) and the higher return on invested capital (10.0% vs 8.56%). Across the 22 metrics below, Credit Acceptance Corporation leads on 12 and Enova International, Inc. on 10.
Valuation
Profitability
| Metric | CACC | ENVA | Credit Services median |
|---|---|---|---|
| Gross margin | 100.00% | 59.77% | 77.13% |
| Operating margin | 50.01% | 24.02% | 0.34% |
| Net margin | 21.54% | 10.31% | 9.25% |
| Free cash flow margin | 52.41% | 56.67% | 13.03% |
| Return on equity | 31.93% | 26.08% | 8.49% |
| Return on assets | 5.79% | 5.49% | 2.29% |
| Return on invested capital | 10.02% | 8.56% | 4.09% |
Growth
Health
Dividend
Size
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