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CACC vs SLMBP

CACC
Credit Acceptance Corporation
NEUTRAL
Price
$444.72
Market Cap
$4.91B
Sector
Financial Services
AI Confidence
60%
SLMBP
SLM Corporation
BEARISH
Price
$74.25
Market Cap
$4.85B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CACC
12.22
SLMBP
34.62
Forward P/E
CACC
8.76
SLMBP
--
P/B Ratio
CACC
3.12
SLMBP
6.72
P/S Ratio
CACC
3.96
SLMBP
2.94
EV/EBITDA
CACC
--
SLMBP
--

Profitability

Gross Margin
CACC
94.21%
SLMBP
100.0%
Operating Margin
CACC
46.66%
SLMBP
66.82%
Profit Margin
CACC
34.23%
SLMBP
45.1%
ROE
CACC
25.9%
SLMBP
32.3%
ROA
CACC
4.85%
SLMBP
2.49%

Growth

Revenue Growth
CACC
1.6%
SLMBP
67.8%
Earnings Growth
CACC
-10.4%
SLMBP
126.2%

Financial Health

Debt/Equity
CACC
4.17
SLMBP
2.4
Current Ratio
CACC
3.29
SLMBP
1.28
Quick Ratio
CACC
3.1
SLMBP
1.23

Dividends

Dividend Yield
CACC
--
SLMBP
8.23%
Payout Ratio
CACC
0.0%
SLMBP
--

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.
SLMBP BEARISH

SLMBP exhibits a dangerous divergence between explosive growth and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While YoY earnings growth is exceptional at 126.2%, the stock trades at a significant premium to its Graham Number ($23.08) and Intrinsic Value ($63.28). High leverage (Debt/Equity 2.40) and a bearish technical trend (0/100) suggest that the current price of $74.25 is unsustainable. The high dividend yield of 8.23% appears risky given the low dividend strength score and poor health metrics.

Strengths
Exceptional YoY Earnings Growth (126.20%)
Strong Revenue Growth (67.80%)
High Return on Equity (32.30%)
Risks
Severe fundamental weakness (Piotroski F-Score 2/9)
Significant overvaluation relative to Graham Number ($23.08)
High leverage with Debt/Equity of 2.40 (above sector average of 1.40)

Compare Another Pair

CACC vs SLMBP: Head-to-Head Comparison

This page compares Credit Acceptance Corporation (CACC) and SLM Corporation (SLMBP) 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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