Atlanticus (ATLC) vs Credit Acceptance (CACC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Atlanticus (ATLC) has outperformed Credit Acceptance (CACC) over the past year, gaining 65.7% versus a gain of 5.8%. Over five years, ATLC leads with a +47.3% price change compared with -11.7% for CACC. Credit Acceptance is the larger company by market cap ($5.63 billion vs $1.39 billion), about 4.0 times the size.
On valuation, Atlanticus trades at a lower forward P/E (6.7x vs 9.8x for Credit Acceptance).
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 | ATLC | CACC |
|---|---|---|
| Share price | $91.75 | $542.82 |
| Market cap | $1.39B | $5.63B |
| 1-day change | -3.05% | +1.93% |
| YTD return | +37.04% | +22.41% |
| 1-year return | +65.70% | +5.78% |
| 5-year return | +47.27% | -11.71% |
| P/E ratio (TTM) | 11.92 | 11.97 |
| Forward P/E | 6.75 | 9.84 |
| EPS (TTM) | $7.70 | $45.35 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | — | $2.32B |
| Revenue growth (YoY) | — | +7.16% |
| Net income (latest FY) | — | $423.90M |
| Net margin | — | 18.29% |
| 52-week high | $114.34 | $668.86 |
| 52-week low | $47.50 | $401.90 |
| Distance from 52-week high | -19.76% | -18.84% |
| Analyst consensus | strong_buy | hold |
| Avg. price target upside | +42.34% | +16.67% |
| Average volume | 142.40K | 122.39K |
| Shares outstanding | 15.17M | 10.38M |
| Employees | 576 | 2,314 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | 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
- Credit Acceptance is about 4.0 times larger than Atlanticus by market value ($5.63B vs $1.39B).
- ATLC has outperformed CACC by 59.9 percentage points over the past year.
About Atlanticus
ATLC stock →Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance.
Finance · Finance: Consumer Services · 576 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
ATLC vs CACC FAQ
Which is bigger, Atlanticus or Credit Acceptance?
Credit Acceptance (CACC) is larger, with a market capitalization of $5.63B compared with $1.39B for Atlanticus (ATLC).
Which stock has performed better over the past year, ATLC or CACC?
ATLC returned +65.70% over the past 12 months, compared with +5.78% for CACC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ATLC or CACC?
ATLC has the lower trailing P/E at 11.9, versus 12.0 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.
Are Atlanticus and Credit Acceptance in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.