SLM (SLM) Competitors

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

Is CACC or SLM more profitable?

SLM has a net margin of 20.73% compared to Credit Acceptance's net margin of 11.46%. SLM's return on equity of 31.66% beat Credit Acceptance's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Credit Acceptance	11.46%	29.01%	5.65%
SLM	20.73%	31.66%	2.08%

Do analysts recommend CACC or SLM?

Credit Acceptance currently has a consensus price target of $440.00, indicating a potential downside of 11.21%. SLM has a consensus price target of $30.91, indicating a potential upside of 0.75%. Given SLM's stronger consensus rating and higher possible upside, analysts plainly believe SLM is more favorable than Credit Acceptance.

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

Do institutionals & insiders have more ownership in CACC or SLM?

81.7% of Credit Acceptance shares are held by institutional investors. Comparatively, 98.9% of SLM shares are held by institutional investors. 5.3% of Credit Acceptance shares are held by insiders. Comparatively, 1.2% of SLM shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Does the media favor CACC or SLM?

In the previous week, SLM had 12 more articles in the media than Credit Acceptance. MarketBeat recorded 12 mentions for SLM and 0 mentions for Credit Acceptance. Credit Acceptance's average media sentiment score of 1.29 beat SLM's score of 0.69 indicating that Credit Acceptance is being referred to more favorably in the media.

Company	Overall Sentiment
Credit Acceptance	Positive
SLM	Positive

Which has better earnings and valuation, CACC or SLM?

SLM has higher revenue and earnings 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
Credit Acceptance	$2.16B	2.76	$247.90M	$19.86	24.95
SLM	$2.62B	2.49	$608.33M	$2.65	11.58

Which has more risk and volatility, CACC or SLM?

Credit Acceptance has a beta of 1.47, meaning that its share price is 47% more volatile than the S&P 500. Comparatively, SLM has a beta of 1.22, meaning that its share price is 22% more volatile than the S&P 500.

Does the MarketBeat Community prefer CACC or SLM?

SLM received 162 more outperform votes than Credit Acceptance when rated by MarketBeat users. Likewise, 69.26% of users gave SLM an outperform vote while only 50.99% of users gave Credit Acceptance an outperform vote.

Company	Underperform	Outperform
Credit Acceptance	Outperform Votes 336 50.99%	Underperform Votes 323 49.01%
SLM	Outperform Votes 498 69.26%	Underperform Votes 221 30.74%

Summary

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