Credit Acceptance (CACC) Competitors

SLM (NASDAQ:SLM) and Credit Acceptance (NASDAQ:CACC) are both mid-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their community ranking, dividends, media sentiment, analyst recommendations, earnings, institutional ownership, valuation, profitability and risk.

Does the media refer more to SLM or CACC?

In the previous week, SLM had 4 more articles in the media than Credit Acceptance. MarketBeat recorded 7 mentions for SLM and 3 mentions for Credit Acceptance. Credit Acceptance's average media sentiment score of 1.94 beat SLM's score of 0.48 indicating that Credit Acceptance is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
SLM	2 Very Positive mention(s)	2 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Credit Acceptance	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Does the MarketBeat Community favor SLM or CACC?

SLM received 160 more outperform votes than Credit Acceptance when rated by MarketBeat users. Likewise, 69.38% of users gave SLM an outperform vote while only 51.07% of users gave Credit Acceptance an outperform vote.

Company	Underperform	Outperform
SLM	Outperform Votes 494 69.38%	Underperform Votes 218 30.62%
Credit Acceptance	Outperform Votes 334 51.07%	Underperform Votes 320 48.93%

Which has better earnings and valuation, SLM or CACC?

SLM has higher earnings, but lower revenue than Credit Acceptance. SLM is trading at a lower price-to-earnings ratio than Credit Acceptance, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
SLM	$1.90B	3.14	$581.39M	$2.87	9.82
Credit Acceptance	$2.06B	2.75	$286.10M	$14.89	31.42

Which has more risk and volatility, SLM or CACC?

SLM has a beta of 1.21, meaning that its stock price is 21% more volatile than the S&P 500. Comparatively, Credit Acceptance has a beta of 1.46, meaning that its stock price is 46% more volatile than the S&P 500.

Is SLM or CACC more profitable?

SLM has a net margin of 22.18% compared to Credit Acceptance's net margin of 9.08%. SLM's return on equity of 35.92% beat Credit Acceptance's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
SLM	22.18%	35.92%	2.29%
Credit Acceptance	9.08%	29.18%	5.91%

Do analysts recommend SLM or CACC?

SLM presently has a consensus price target of $27.27, indicating a potential downside of 3.19%. Credit Acceptance has a consensus price target of $416.00, indicating a potential downside of 11.09%. Given SLM's stronger consensus rating and higher probable upside, research analysts clearly believe SLM is more favorable than Credit Acceptance.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
SLM	0 Sell rating(s)	2 Hold rating(s)	9 Buy rating(s)	0 Strong Buy rating(s)	2.82
Credit Acceptance	1 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.50

Do institutionals & insiders believe in SLM or CACC?

98.9% of SLM shares are held by institutional investors. Comparatively, 81.7% of Credit Acceptance shares are held by institutional investors. 1.2% of SLM shares are held by insiders. Comparatively, 5.3% of Credit Acceptance shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Summary

SLM beats Credit Acceptance on 11 of the 18 factors compared between the two stocks.