Ally Financial (ALLY) 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 Ally Financial (ALLY) over the past year, gaining 8.0% versus a loss of 6.4%. Over five years, CACC leads with a -13.0% price change compared with -31.9% for ALLY. Ally Financial is the larger company by market cap ($11.37 billion vs $5.53 billion), about 2.1 times the size, while Credit Acceptance is growing revenue faster (+7.2% vs -3.3%).
On valuation, Ally Financial trades at a lower forward P/E (6.0x vs 9.7x for Credit Acceptance). Ally Financial pays a dividend yielding 3.21%, while Credit Acceptance does not currently pay one. Credit Acceptance converts more of its revenue into profit, with a net margin of 18.3% versus 10.8%.
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 | ALLY | CACC |
|---|---|---|
| Share price | $37.37 | $532.55 |
| Market cap | $11.37B | $5.53B |
| 1-day change | -0.66% | -0.75% |
| YTD return | -17.49% | +20.09% |
| 1-year return | -6.39% | +8.03% |
| 5-year return | -31.93% | -12.99% |
| P/E ratio (TTM) | 8.79 | 11.74 |
| Forward P/E | 6.02 | 9.72 |
| EPS (TTM) | $4.25 | $45.35 |
| Dividend yield | 3.21% | 0.00% |
| Annual dividend | $1.20 | $0.00 |
| Revenue (latest FY) | $7.91B | $2.32B |
| Revenue growth (YoY) | -3.26% | +7.16% |
| Net income (latest FY) | $852.00M | $423.90M |
| Net margin | 10.77% | 18.29% |
| 52-week high | $47.29 | $668.86 |
| 52-week low | $35.92 | $401.90 |
| Distance from 52-week high | -20.98% | -20.38% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +34.55% | +18.92% |
| Average volume | 3.33M | 124.08K |
| Shares outstanding | 304.20M | 10.38M |
| Employees | 10,300 | 2,314 |
| Sector | Finance | Finance |
| Industry | Major Banks | Finance: Consumer 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
- Ally Financial is about 2.1 times larger than Credit Acceptance by market value ($11.37B vs $5.53B).
- CACC has outperformed ALLY by 14.4 percentage points over the past year.
- Credit Acceptance trades at a higher earnings multiple (11.7x vs 8.8x trailing P/E).
- Ally Financial offers a meaningfully higher dividend yield (3.21% vs 0.00%).
- Credit Acceptance is more profitable, keeping 18.3 cents of every revenue dollar as net income versus 10.8 cents for Ally Financial.
- Credit Acceptance grew revenue faster in its latest fiscal year (+7.16% vs -3.26%).
About Ally Financial
ALLY stock →Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States and Canada. The company operates through Automotive Finance operations, Insurance operations, and Corporate Finance operations.
Finance · Major Banks · 10,300 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.
Finance · Finance: Consumer Services · 2,314 employees
ALLY vs CACC FAQ
Which is bigger, Ally Financial or Credit Acceptance?
Ally Financial (ALLY) is larger, with a market capitalization of $11.37B compared with $5.53B for Credit Acceptance (CACC).
Which stock has performed better over the past year, ALLY or CACC?
CACC returned +8.03% over the past 12 months, compared with -6.39% for ALLY (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ALLY or CACC?
ALLY has the lower trailing P/E at 8.8, versus 11.7 for CACC. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Ally Financial or Credit Acceptance?
Ally Financial pays a dividend yielding 3.21%, while Credit Acceptance does not currently pay a regular dividend.
Are Ally Financial and Credit Acceptance in the same industry?
Both are in the Finance sector, but in different industries: Major Banks for Ally Financial and Finance: Consumer Services for Credit Acceptance.