Credit Acceptance (CACC) vs Figure Technology Solutions (FIGR)
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 Figure Technology Solutions (FIGR) over the past year, gaining 8.0% versus a loss of 37.4%. Figure Technology Solutions is the larger company by market cap ($6.19 billion vs $5.63 billion), about 1.1 times the size. On valuation, Credit Acceptance trades at a lower forward P/E (9.8x vs 14.6x for Figure Technology Solutions).
Figure Technology Solutions converts more of its revenue into profit, with a net margin of 26.4% versus 18.3%.
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 | FIGR |
|---|---|---|
| Share price | $542.82 | $27.60 |
| Market cap | $5.63B | $6.19B |
| 1-day change | +1.93% | -0.29% |
| YTD return | +20.09% | -32.22% |
| 1-year return | +8.03% | -37.42% |
| 5-year return | -13.38% | — |
| P/E ratio (TTM) | 11.97 | 29.68 |
| Forward P/E | 9.84 | 14.60 |
| EPS (TTM) | $45.35 | $0.93 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $2.32B | $506.87M |
| Revenue growth (YoY) | +7.16% | +48.69% |
| Net income (latest FY) | $423.90M | $133.86M |
| Operating margin | — | 23.19% |
| Net margin | 18.29% | 26.41% |
| 52-week high | $668.86 | $78.00 |
| 52-week low | $401.90 | $24.11 |
| Distance from 52-week high | -18.84% | -64.62% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +16.67% | +92.03% |
| Average volume | 123.45K | 4.16M |
| Shares outstanding | 10.38M | 185.67M |
| Employees | 2,314 | 602 |
| 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
- CACC has outperformed FIGR by 45.4 percentage points over the past year.
- Figure Technology Solutions trades at a higher earnings multiple (29.7x vs 12.0x trailing P/E).
- Figure Technology Solutions is more profitable, keeping 26.4 cents of every revenue dollar as net income versus 18.3 cents for Credit Acceptance.
- Figure Technology Solutions grew revenue faster in its latest fiscal year (+48.69% 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 Figure Technology Solutions
FIGR stock →Figure Technology Solutions, Inc., a financial technology company, provides blockchain-based products and solutions in the United States. The company offers a suite of blockchain-based solutions for its marketplaces, including lending, trading, and investing activities in areas, such as consumer credit and digital assets.
Finance · Finance: Consumer Services · 602 employees
CACC vs FIGR FAQ
Which is bigger, Credit Acceptance or Figure Technology Solutions?
Figure Technology Solutions (FIGR) is larger, with a market capitalization of $6.19B compared with $5.63B for Credit Acceptance (CACC).
Which stock has performed better over the past year, CACC or FIGR?
CACC returned +8.03% over the past 12 months, compared with -37.42% for FIGR (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CACC or FIGR?
CACC has the lower trailing P/E at 12.0, versus 29.7 for FIGR. 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 Figure Technology Solutions in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.