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AB vs CACC

AB
AllianceBernstein Holding L.P.
BEARISH
Price
$38.96
Market Cap
$4.31B
Sector
Financial Services
AI Confidence
78%
CACC
Credit Acceptance Corporation
NEUTRAL
Price
$444.72
Market Cap
$4.91B
Sector
Financial Services
AI Confidence
60%

Valuation

P/E Ratio
AB
13.16
CACC
12.22
Forward P/E
AB
10.41
CACC
8.76
P/B Ratio
AB
3.01
CACC
3.12
P/S Ratio
AB
-42.07
CACC
3.96
EV/EBITDA
AB
--
CACC
--

Profitability

Gross Margin
AB
0.0%
CACC
94.21%
Operating Margin
AB
100.0%
CACC
46.66%
Profit Margin
AB
0.0%
CACC
34.23%
ROE
AB
19.75%
CACC
25.9%
ROA
AB
-3.9%
CACC
4.85%

Growth

Revenue Growth
AB
-40.3%
CACC
1.6%
Earnings Growth
AB
-28.8%
CACC
-10.4%

Financial Health

Debt/Equity
AB
--
CACC
4.17
Current Ratio
AB
--
CACC
3.29
Quick Ratio
AB
--
CACC
3.1

Dividends

Dividend Yield
AB
8.73%
CACC
--
Payout Ratio
AB
111.92%
CACC
0.0%

AI Verdict

AB BEARISH

The company exhibits weak financial health with a Piotroski F-Score of 4/9, indicating borderline stability, and lacks an Altman Z-Score, raising concerns about bankruptcy risk assessment. Despite a high dividend yield of 8.73%, the payout ratio of 111.92% is unsustainable, supported by negative profit margin and declining revenue. Valuation appears stretched relative to intrinsic metrics, with the stock trading at $38.96 versus a Graham Number of $29.35 and intrinsic value of $20.72. Negative insider sentiment, deteriorating growth trends, and weak technicals further reinforce a bearish outlook.

Strengths
High dividend yield of 8.73% offers attractive income potential
ROE of 19.75% indicates efficient use of equity capital
Forward P/E of 10.41 is below sector average of 21.22, suggesting relative value
Risks
Piotroski F-Score of 4/9 indicates weak financial health and elevated risk
Dividend payout ratio of 111.92% is unsustainable long-term
Revenue growth down 40.30% YoY, significantly underperforming sector average of +45.29%
CACC NEUTRAL

CACC shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics. Price trades at a 74.6% premium to fair value estimate ($254.73), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 12.2
Strong profitability (34.2% margin)
Strong ROE of 25.9%
Risks
High debt burden with D/E of 4.17
Price trades at a 74.6% premium to fair value estimate ($254.73), limiting near-term upside from a valuation perspective.

Compare Another Pair

AB vs CACC: Head-to-Head Comparison

This page compares AllianceBernstein Holding L.P. (AB) and Credit Acceptance Corporation (CACC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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