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Credit Acceptance Corporation (CACC) vs SLM Corporation (SLM)

Credit Acceptance Corporation and SLM Corporation are both Credit Services companies. Credit Acceptance Corporation is the larger, with a market value of $5.7B against $4.2B — 1.4× the size. SLM Corporation trades at the lower P/E: 6.0× against 11.7×. SLM Corporation grew revenue faster over the last twelve months: 5.37% against 2.58%. SLM Corporation has the higher net margin (23.5% vs 21.5%) and the higher return on invested capital (17.8% vs 10.0%). Across the 19 metrics below, SLM Corporation leads on 10 and Credit Acceptance Corporation on 9.

Valuation

Metric CACC SLM Credit Services median
P/E 11.75 6.01 9.39
P/S 2.45 1.34 0.86
P/B 3.60 1.85 1.16
Price to free cash flow 4.68 n/m 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.51% 16.64% 6.55%
Free cash flow yield 21.37% (7.89%) 12.26%

Profitability

Metric CACC SLM Credit Services median
Gross margin 100.00% 63.91% 77.13%
Operating margin 50.01% 0.00% 0.34%
Net margin 21.54% 23.48% 9.25%
Free cash flow margin 52.41% (10.58%) 12.91%
Return on equity 31.93% 33.15% 8.49%
Return on assets 5.79% 2.48% 2.16%
Return on invested capital 10.02% 17.76% 4.09%

Growth

Metric CACC SLM Credit Services median
Revenue growth (TTM) 2.58% 5.37% 4.62%
EPS growth (last fiscal year) 83.60% 29.10% 21.94%
Revenue growth, 5-year CAGR 6.78% 5.73% 9.13%
Net income growth, 5-year CAGR 0.14% (3.49%) 0.00%

Health

Metric CACC SLM Credit Services median
Debt to equity 3.96 2.36 0.68
Current ratio 14.89 1.33 1.55
Net debt to EBITDA 5.10 0.00 0.13

Dividend

Metric CACC SLM Credit Services median
Dividend yield — 2.38% 1.64%
Payout ratio — 0.15 0.22

Size

Metric CACC SLM Credit Services median
Market cap 5.71b 4.18b 751.08m

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