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CACC vs IFS

CACC
Credit Acceptance Corporation
NEUTRAL
Price
$444.72
Market Cap
$4.91B
Sector
Financial Services
AI Confidence
60%
IFS
Intercorp Financial Services Inc.
NEUTRAL
Price
$45.01
Market Cap
$5.0B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CACC
12.22
IFS
9.38
Forward P/E
CACC
8.76
IFS
7.68
P/B Ratio
CACC
3.12
IFS
1.42
P/S Ratio
CACC
3.96
IFS
0.91
EV/EBITDA
CACC
--
IFS
--

Profitability

Gross Margin
CACC
94.21%
IFS
0.0%
Operating Margin
CACC
46.66%
IFS
39.69%
Profit Margin
CACC
34.23%
IFS
35.15%
ROE
CACC
25.9%
IFS
16.61%
ROA
CACC
4.85%
IFS
2.0%

Growth

Revenue Growth
CACC
1.6%
IFS
1.1%
Earnings Growth
CACC
-10.4%
IFS
-2.8%

Financial Health

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

Dividends

Dividend Yield
CACC
--
IFS
4.0%
Payout Ratio
CACC
0.0%
IFS
22.03%

AI Verdict

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.
IFS NEUTRAL

IFS presents a dichotomy between strong value metrics and stagnant growth, anchored by a stable Piotroski F-Score of 4/9 and a Graham Number of $58.45 that suggests the stock is defensively undervalued. While the P/E ratio of 9.38 is significantly lower than the sector average, the company is struggling with negative earnings growth (-2.80% YoY) and flat revenue growth (1.10%). The strong analyst 'strong_buy' consensus and high ROE of 16.61% contrast sharply with a bearish technical trend (0/100) and weak insider sentiment. Overall, it is a value play with limited immediate catalysts for growth.

Strengths
Significant undervaluation relative to Graham Number ($58.45)
Strong profitability with an ROE of 16.61% and Profit Margin of 35.15%
Very sustainable dividend payout ratio of 22.03%
Risks
Negative earnings growth both YoY (-2.80%) and Q/Q (-6.00%)
Stagnant revenue growth of only 1.10% YoY
Bearish technical trend (0/100) indicating strong selling pressure

Compare Another Pair

CACC vs IFS: Head-to-Head Comparison

This page compares Credit Acceptance Corporation (CACC) and Intercorp Financial Services Inc. (IFS) 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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