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AX vs CACC

AX
Axos Financial, Inc.
NEUTRAL
Price
$91.75
Market Cap
$5.2B
Sector
Financial Services
AI Confidence
65%
CACC
Credit Acceptance Corporation
NEUTRAL
Price
$444.72
Market Cap
$4.91B
Sector
Financial Services
AI Confidence
60%

Valuation

P/E Ratio
AX
12.94
CACC
12.22
Forward P/E
AX
9.93
CACC
8.76
P/B Ratio
AX
1.86
CACC
3.12
P/S Ratio
AX
4.32
CACC
3.96
EV/EBITDA
AX
--
CACC
--

Profitability

Gross Margin
AX
0.0%
CACC
94.21%
Operating Margin
AX
50.8%
CACC
46.66%
Profit Margin
AX
36.0%
CACC
34.23%
ROE
AX
16.65%
CACC
25.9%
ROA
AX
1.7%
CACC
4.85%

Growth

Revenue Growth
AX
-0.2%
CACC
1.6%
Earnings Growth
AX
0.5%
CACC
-10.4%

Financial Health

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

Dividends

Dividend Yield
AX
--
CACC
--
Payout Ratio
AX
0.0%
CACC
0.0%

AI Verdict

AX NEUTRAL

The Advanced Deterministic Scorecard reveals a mixed financial profile: the Piotroski F-Score of 4/9 indicates borderline stable financial health, while the absence of an Altman Z-Score limits distress risk assessment. Despite strong profitability metrics like a 50.8% operating margin and consistent earnings beats, weak revenue growth and lack of key financial data constrain confidence. The stock trades above the Graham Number of $88.69 at $91.75, implying a slight premium, but remains below the analyst target of $103.25. Bearish insider activity and a weak technical trend offset solid historical performance and favorable sector-relative valuation.

Strengths
Consistently beats earnings estimates with an 88% beat rate over the last four quarters and strong average surprise of 7.2%
Exceptional operating profitability: 50.8% operating margin and 36.0% profit margin significantly outperform sector averages
Attractive valuation relative to peers: P/E of 12.94 vs sector average of 20.94
Risks
Low Piotroski F-Score of 4/9 suggests weak financial health and limited operational resilience
Revenue growth is nearly flat YoY (-0.20%), indicating stagnation in top-line expansion
Missing key financial data (Debt/Equity, Altman Z-Score, cash/debt levels) creates uncertainty in financial health and leverage risk
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

AX vs CACC: Head-to-Head Comparison

This page compares Axos Financial, Inc. (AX) 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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