stockrowCredit Acceptance Corporation (CACC) vs Enova International, Inc. (ENVA)
- Credit Acceptance Corporation CACC 526.43 +0.74%
- Enova International, Inc. ENVA 174.48 +0.11%
Credit Acceptance Corporation and Enova International, Inc. are both Credit Services companies. Credit Acceptance Corporation is the larger, with a market value of $5.3B against $4.3B — 1.2× the size. Enova International, Inc. trades at the lower P/E: 11.3× against 16.7×. Enova International, Inc. grew revenue faster over the last twelve months: 20.1% against 1.68%. Credit Acceptance Corporation has the higher net margin (14.4% vs 10.5%) and the lower return on invested capital (7.81% vs 8.51%). Across the 20 metrics below, Enova International, Inc. leads on 14 and Credit Acceptance Corporation on 6.
Valuation
Profitability
| Metric | CACC | ENVA | Credit Services median |
|---|---|---|---|
| Gross margin | 100.00% | 60.59% | 76.61% |
| Operating margin | 39.82% | 24.04% | 0.34% |
| Net margin | 14.39% | 10.47% | 8.35% |
| Free cash flow margin | 53.65% | 54.93% | 8.73% |
| Return on equity | 22.72% | 26.82% | 9.05% |
| Return on assets | 3.85% | 5.60% | 1.94% |
| Return on invested capital | 7.81% | 8.51% | 4.56% |
Growth
Health
Dividend
Size
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