Credit Acceptance (CACC) vs Jefferson Capital (JCAP)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Jefferson Capital (JCAP) has outperformed Credit Acceptance (CACC) over the past year, gaining 10.9% versus a gain of 8.0%. Credit Acceptance is the larger company by market cap ($5.53 billion vs $1.15 billion), about 4.8 times the size. On valuation, Jefferson Capital trades at a lower forward P/E (6.5x vs 9.7x for Credit Acceptance).
Jefferson Capital pays a dividend yielding 2.40%, while Credit Acceptance does not currently pay one.
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 | JCAP |
|---|---|---|
| Share price | $532.55 | $20.02 |
| Market cap | $5.53B | $1.15B |
| 1-day change | -0.75% | +0.81% |
| YTD return | +20.09% | -10.38% |
| 1-year return | +8.03% | +10.85% |
| 5-year return | -13.38% | — |
| P/E ratio (TTM) | 11.82 | 21.76 |
| Forward P/E | 9.65 | 6.51 |
| EPS (TTM) | $45.05 | $0.92 |
| Dividend yield | 0.00% | 2.40% |
| Annual dividend | $0.00 | $0.48 |
| Revenue (latest FY) | $2.32B | — |
| Revenue growth (YoY) | +7.16% | — |
| Net income (latest FY) | $423.90M | — |
| Net margin | 18.29% | — |
| 52-week high | $668.86 | $24.44 |
| 52-week low | $401.90 | $15.50 |
| Distance from 52-week high | -20.38% | -18.09% |
| Analyst consensus | hold | none |
| Avg. price target upside | +18.92% | +40.86% |
| Average volume | 124.08K | 325.58K |
| Shares outstanding | 10.38M | 57.43M |
| Employees | 2,314 | 1,120 |
| Sector | Financial Services | Financial Services |
| Industry | Credit Services | Credit 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 4.8 times larger than Jefferson Capital by market value ($5.53B vs $1.15B).
- Jefferson Capital trades at a higher earnings multiple (21.8x vs 11.8x trailing P/E).
- Jefferson Capital offers a meaningfully higher dividend yield (2.40% vs 0.00%).
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 Jefferson Capital
JCAP stock →Jefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America.
Financial Services · Credit Services · 1,120 employees
CACC vs JCAP FAQ
Which is bigger, Credit Acceptance or Jefferson Capital?
Credit Acceptance (CACC) is larger, with a market capitalization of $5.53B compared with $1.15B for Jefferson Capital (JCAP).
Which stock has performed better over the past year, CACC or JCAP?
JCAP returned +10.85% 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 JCAP?
CACC has the lower trailing P/E at 11.8, versus 21.8 for JCAP. 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 Jefferson Capital?
Jefferson Capital pays a dividend yielding 2.40%, while Credit Acceptance does not currently pay a regular dividend.
Are Credit Acceptance and Jefferson Capital in the same industry?
Yes. Both are classified in the Credit Services industry within the Financial Services sector.