Credit Acceptance (CACC) vs Enova International (ENVA)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Enova International (ENVA) has outperformed Credit Acceptance (CACC) over the past year, gaining 69.6% versus a gain of 8.0%. Over five years, ENVA leads with a +410.7% price change compared with -13.4% for CACC. Credit Acceptance is the larger company by market cap ($5.53 billion vs $4.58 billion), about 1.2 times the size, while Enova International is growing revenue faster (+18.6% vs +7.2%).
On valuation, Enova International trades at a lower forward P/E (8.8x vs 9.7x for Credit Acceptance). Credit Acceptance converts more of its revenue into profit, with a net margin of 18.3% versus 9.8%.
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 | CACC | ENVA |
|---|---|---|
| Share price | $532.55 | $184.12 |
| Market cap | $5.53B | $4.58B |
| 1-day change | -0.75% | +0.68% |
| YTD return | +20.09% | +17.12% |
| 1-year return | +8.03% | +69.60% |
| 5-year return | -13.38% | +410.74% |
| P/E ratio (TTM) | 11.82 | 13.67 |
| Forward P/E | 9.65 | 8.79 |
| EPS (TTM) | $45.05 | $13.47 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $2.32B | $3.15B |
| Revenue growth (YoY) | +7.16% | +18.58% |
| Net income (latest FY) | $423.90M | $308.39M |
| Gross margin | — | 58.07% |
| Operating margin | — | 23.46% |
| Net margin | 18.29% | 9.78% |
| 52-week high | $668.86 | $267.45 |
| 52-week low | $401.90 | $103.02 |
| Distance from 52-week high | -20.38% | -31.16% |
| Analyst consensus | hold | strong_buy |
| Avg. price target upside | +18.92% | +30.89% |
| Average volume | 124.08K | 355.19K |
| Shares outstanding | 10.38M | 24.90M |
| Employees | 2,314 | 1,836 |
| Sector | Financial Services | Finance |
| Industry | Credit 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
- ENVA has outperformed CACC by 61.6 percentage points over the past year.
- Credit Acceptance is more profitable, keeping 18.3 cents of every revenue dollar as net income versus 9.8 cents for Enova International.
- Enova International grew revenue faster in its latest fiscal year (+18.58% vs +7.16%).
- The two companies sit in different sectors: Credit Acceptance in Financial Services and Enova International in Finance.
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
About Enova International
ENVA stock →Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan.
Finance · Finance: Consumer Services · 1,836 employees
CACC vs ENVA FAQ
Which is bigger, Credit Acceptance or Enova International?
Credit Acceptance (CACC) is larger, with a market capitalization of $5.53B compared with $4.58B for Enova International (ENVA).
Which stock has performed better over the past year, CACC or ENVA?
ENVA returned +69.60% over the past 12 months, compared with +8.03% for CACC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CACC or ENVA?
CACC has the lower trailing P/E at 11.8, versus 13.7 for ENVA. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Credit Acceptance and Enova International in the same industry?
No. Credit Acceptance is in the Financial Services sector, while Enova International is in Finance.