Credit Acceptance (CACC) vs Cipher Digital (CIFR)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Credit Acceptance (CACC) has outperformed Cipher Digital (CIFR) over the past year, gaining 5.8% versus a loss of 23.3%. Over five years, CIFR leads with a +93.1% price change compared with -11.7% for CACC. Credit Acceptance is the larger company by market cap ($5.63 billion vs $5.60 billion), about 1.0 times the size, while Cipher Digital is growing revenue faster (+48.0% vs +7.2%).
On valuation, Credit Acceptance trades at a lower forward P/E (9.8x vs 102.4x for Cipher Digital). Credit Acceptance converts more of its revenue into profit, with a net margin of 18.3% versus -367.2%.
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 | CACC | CIFR |
|---|---|---|
| Share price | $542.82 | $13.50 |
| Market cap | $5.63B | $5.60B |
| 1-day change | +1.93% | -7.28% |
| YTD return | +22.41% | -8.54% |
| 1-year return | +5.78% | -23.30% |
| 5-year return | -11.71% | +93.13% |
| P/E ratio (TTM) | 11.97 | — |
| Forward P/E | 9.84 | 102.42 |
| EPS (TTM) | $45.35 | $-2.87 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $2.32B | $223.94M |
| Revenue growth (YoY) | +7.16% | +48.04% |
| Net income (latest FY) | $423.90M | $-822.24M |
| Gross margin | — | 63.73% |
| Operating margin | — | -188.25% |
| Net margin | 18.29% | -367.17% |
| 52-week high | $668.86 | $30.14 |
| 52-week low | $401.90 | $11.72 |
| Distance from 52-week high | -18.84% | -55.21% |
| Analyst consensus | hold | strong_buy |
| Avg. price target upside | +16.67% | +125.78% |
| Average volume | 122.39K | 33.39M |
| Shares outstanding | 10.38M | 415.03M |
| Employees | 2,314 | 66 |
| Sector | Finance | Technology |
| Industry | Finance: Consumer Services | Information Technology 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
- CACC has outperformed CIFR by 29.1 percentage points over the past year.
- Credit Acceptance is more profitable, keeping 18.3 cents of every revenue dollar as net income versus -367.2 cents for Cipher Digital.
- Cipher Digital grew revenue faster in its latest fiscal year (+48.04% vs +7.16%).
- The two companies sit in different sectors: Credit Acceptance in Finance and Cipher Digital in Technology.
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
About Cipher Digital
CIFR stock →Cipher Digital Inc., together with its subsidiaries, develops and operates industrial-scale data centers for bitcoin mining and high-performance compute (HPC) hosting in the United States. It develops HPC data center facilities across various sites for hyperscaler tenants; operates power at one bitcoin mining data center; and maintains a pipeline across various sites.
Technology · Information Technology Services · 66 employees
CACC vs CIFR FAQ
Which is bigger, Credit Acceptance or Cipher Digital?
Credit Acceptance (CACC) is larger, with a market capitalization of $5.63B compared with $5.60B for Cipher Digital (CIFR).
Which stock has performed better over the past year, CACC or CIFR?
CACC returned +5.78% over the past 12 months, compared with -23.30% for CIFR (price return, excluding dividends). Past performance does not predict future results.
Are Credit Acceptance and Cipher Digital in the same industry?
No. Credit Acceptance is in the Finance sector, while Cipher Digital is in Technology.