stockrowCredit Acceptance Corporation (CACC) vs Synchrony Financial (SYF)
- Credit Acceptance Corporation CACC 522.64 +4.80%
- Synchrony Financial SYF 74.45 −0.77%
Credit Acceptance Corporation and Synchrony Financial are both Credit Services companies. Synchrony Financial is the larger, with a market value of $23.1B against $5.3B — 4.4× the size. Synchrony Financial trades at the lower P/E: 7.7× against 16.7×. Credit Acceptance Corporation grew revenue faster over the last twelve months: 1.68% against 0.48%. Credit Acceptance Corporation has the higher net margin (14.4% vs 14.0%) and the lower return on invested capital (7.81% vs 15.4%). Across the 20 metrics below, Synchrony Financial leads on 11 and Credit Acceptance Corporation on 9.
Valuation
Profitability
| Metric | CACC | SYF | Credit Services median |
|---|---|---|---|
| Gross margin | 100.00% | 83.22% | 76.61% |
| Operating margin | 39.82% | 0.00% | 0.34% |
| Net margin | 14.39% | 13.97% | 8.35% |
| Free cash flow margin | 53.65% | 41.17% | 8.73% |
| Return on equity | 22.72% | 21.14% | 9.05% |
| Return on assets | 3.85% | 2.71% | 1.94% |
| Return on invested capital | 7.81% | 15.44% | 4.56% |
Growth
Health
Dividend
Size
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