Credit Acceptance (CACC) vs Capital One Financial (COF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Credit Acceptance (CACC) has outperformed Capital One Financial (COF) over the past year, gaining 8.0% versus a loss of 8.3%. Over five years, COF leads with a +16.3% price change compared with -13.4% for CACC. Capital One Financial is the larger company by market cap ($120.19 billion vs $5.53 billion), about 21.7 times the size.
On valuation, Capital One Financial trades at a lower forward P/E (8.2x vs 9.7x for Credit Acceptance). Capital One Financial pays a dividend yielding 1.53%, 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 4.6%.
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 | COF |
|---|---|---|
| Share price | $532.55 | $195.91 |
| Market cap | $5.53B | $120.19B |
| 1-day change | -0.75% | +0.05% |
| YTD return | +20.09% | -19.17% |
| 1-year return | +8.03% | -8.32% |
| 5-year return | -13.38% | +16.35% |
| P/E ratio (TTM) | 11.74 | 12.58 |
| Forward P/E | 9.65 | 8.24 |
| EPS (TTM) | $45.35 | $15.57 |
| Dividend yield | 0.00% | 1.53% |
| Annual dividend | $0.00 | $3.00 |
| Revenue (latest FY) | $2.32B | $53.43B |
| Revenue growth (YoY) | +7.16% | +36.62% |
| Net income (latest FY) | $423.90M | $2.45B |
| Net margin | 18.29% | 4.59% |
| 52-week high | $668.86 | $259.64 |
| 52-week low | $401.90 | $174.24 |
| Distance from 52-week high | -20.38% | -24.55% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +18.92% | +31.28% |
| Average volume | 124.08K | 3.63M |
| Shares outstanding | 10.38M | 613.48M |
| Employees | 2,314 | 78,400 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Major Banks |
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
- Capital One Financial is about 21.7 times larger than Credit Acceptance by market value ($120.19B vs $5.53B).
- CACC has outperformed COF by 16.3 percentage points over the past year.
- Capital One Financial offers a meaningfully higher dividend yield (1.53% vs 0.00%).
- Credit Acceptance is more profitable, keeping 18.3 cents of every revenue dollar as net income versus 4.6 cents for Capital One Financial.
- Capital One Financial grew revenue faster in its latest fiscal year (+36.62% vs +7.16%).
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 Capital One Financial
COF stock →Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking.
Finance · Major Banks · 78,400 employees
CACC vs COF FAQ
Which is bigger, Credit Acceptance or Capital One Financial?
Capital One Financial (COF) is larger, with a market capitalization of $120.19B compared with $5.53B for Credit Acceptance (CACC).
Which stock has performed better over the past year, CACC or COF?
CACC returned +8.03% over the past 12 months, compared with -8.32% for COF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CACC or COF?
CACC has the lower trailing P/E at 11.7, versus 12.6 for COF. 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, Credit Acceptance or Capital One Financial?
Capital One Financial pays a dividend yielding 1.53%, while Credit Acceptance does not currently pay a regular dividend.
Are Credit Acceptance and Capital One Financial in the same industry?
Both are in the Finance sector, but in different industries: Finance: Consumer Services for Credit Acceptance and Major Banks for Capital One Financial.