Affirm (AFRM) vs Credit Acceptance (CACC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Credit Acceptance (CACC) has outperformed Affirm (AFRM) over the past year, gaining 8.5% versus a loss of 1.8%. Over five years, CACC leads with a -13.0% price change compared with -48.7% for AFRM. Affirm is the larger company by market cap ($25.41 billion vs $5.53 billion), about 4.6 times the size.
On valuation, Credit Acceptance trades at a lower forward P/E (9.7x vs 15.6x for Affirm). Affirm converts more of its revenue into profit, with a net margin of 45.3% versus 18.3%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | AFRM | CACC |
|---|---|---|
| Share price | $75.31 | $532.55 |
| Market cap | $25.41B | $5.53B |
| 1-day change | +0.57% | -0.75% |
| YTD return | +1.14% | +20.63% |
| 1-year return | -1.79% | +8.52% |
| 5-year return | -48.69% | -12.99% |
| P/E ratio (TTM) | 13.62 | 11.74 |
| Forward P/E | 15.60 | 9.72 |
| EPS (TTM) | $5.53 | $45.35 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $4.26B | $2.32B |
| Revenue growth (YoY) | +32.15% | +7.16% |
| Net income (latest FY) | $1.93B | $423.90M |
| Operating margin | 9.79% | — |
| Net margin | 45.29% | 18.29% |
| 52-week high | $90.44 | $668.86 |
| 52-week low | $42.10 | $401.90 |
| Distance from 52-week high | -16.73% | -20.38% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +31.01% | +18.92% |
| Average volume | 4.22M | 124.08K |
| Shares outstanding | 296.88M | 10.38M |
| Employees | 2,358 | 2,314 |
| Sector | Financial Services | Financial Services |
| Industry | Credit Services | Credit Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Affirm is about 4.6 times larger than Credit Acceptance by market value ($25.41B vs $5.53B).
- CACC has outperformed AFRM by 10.3 percentage points over the past year.
- Affirm is more profitable, keeping 45.3 cents of every revenue dollar as net income versus 18.3 cents for Credit Acceptance.
- Affirm grew revenue faster in its latest fiscal year (+32.15% vs +7.16%).
About Affirm
AFRM stock →Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally.
Financial Services · Credit Services · 2,358 employees
About Credit Acceptance
CACC stock →Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers.
Financial Services · Credit Services · 2,314 employees
AFRM vs CACC FAQ
Which is bigger, Affirm or Credit Acceptance?
Affirm (AFRM) is larger, with a market capitalization of $25.41B compared with $5.53B for Credit Acceptance (CACC).
Which stock has performed better over the past year, AFRM or CACC?
CACC returned +8.52% over the past 12 months, compared with -1.79% for AFRM (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AFRM or CACC?
CACC has the lower trailing P/E at 11.7, versus 13.6 for AFRM. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Affirm and Credit Acceptance in the same industry?
Yes. Both are classified in the Credit Services industry within the Financial Services sector.