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CACC vs MA

CACC
Credit Acceptance Corporation
NEUTRAL
Price
$444.72
Market Cap
$4.91B
Sector
Financial Services
AI Confidence
60%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
CACC
12.22
MA
30.28
Forward P/E
CACC
8.76
MA
22.05
P/B Ratio
CACC
3.12
MA
57.74
P/S Ratio
CACC
3.96
MA
13.6
EV/EBITDA
CACC
--
MA
22.13

Profitability

Gross Margin
CACC
94.21%
MA
100.0%
Operating Margin
CACC
46.66%
MA
57.73%
Profit Margin
CACC
34.23%
MA
45.65%
ROE
CACC
25.9%
MA
209.91%
ROA
CACC
4.85%
MA
23.72%

Growth

Revenue Growth
CACC
1.6%
MA
17.6%
Earnings Growth
CACC
-10.4%
MA
24.2%

Financial Health

Debt/Equity
CACC
4.17
MA
2.56
Current Ratio
CACC
3.29
MA
1.03
Quick Ratio
CACC
3.1
MA
0.68

Dividends

Dividend Yield
CACC
--
MA
0.7%
Payout Ratio
CACC
0.0%
MA
18.4%

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.
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

CACC vs MA: Head-to-Head Comparison

This page compares Credit Acceptance Corporation (CACC) and Mastercard Incorporated (MA) 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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