Credit Acceptance (CACC) vs Klarna Group (KLAR)
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 Klarna Group (KLAR) over the past year, gaining 8.0% versus a loss of 67.9%. Credit Acceptance is the larger company by market cap ($5.53 billion vs $5.02 billion), about 1.1 times the size, while Klarna Group is growing revenue faster (+24.8% vs +7.2%). On valuation, Credit Acceptance trades at a lower forward P/E (9.7x vs 16.6x for Klarna Group).
Credit Acceptance converts more of its revenue into profit, with a net margin of 18.3% versus -7.8%.
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 | KLAR |
|---|---|---|
| Share price | $532.55 | $13.25 |
| Market cap | $5.53B | $5.02B |
| 1-day change | -0.75% | 0.00% |
| YTD return | +20.09% | -54.17% |
| 1-year return | +8.03% | -67.95% |
| 5-year return | -13.38% | — |
| P/E ratio (TTM) | 11.74 | — |
| Forward P/E | 9.65 | 16.60 |
| EPS (TTM) | $45.35 | $-0.52 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $2.32B | $3.51B |
| Revenue growth (YoY) | +7.16% | +24.83% |
| Net income (latest FY) | $423.90M | $-273.00M |
| Operating margin | — | -6.55% |
| Net margin | 18.29% | -7.78% |
| 52-week high | $668.86 | $44.75 |
| 52-week low | $401.90 | $12.06 |
| Distance from 52-week high | -20.38% | -70.39% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +18.92% | +47.47% |
| Average volume | 124.08K | 5.78M |
| Shares outstanding | 10.38M | 379.16M |
| Employees | 2,314 | 2,831 |
| 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 KLAR by 76.0 percentage points over the past year.
- Credit Acceptance is more profitable, keeping 18.3 cents of every revenue dollar as net income versus -7.8 cents for Klarna Group.
- Klarna Group grew revenue faster in its latest fiscal year (+24.83% 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 Klarna Group
KLAR stock →Klarna Group plc operates as a digital bank and flexible payments provider in the United Kingdom, the United States, Germany, Sweden, and internationally. The company offers payment solutions, such as pay in full solution that settles purchases at time of the transaction; pay later solution that enables customers to purchase goods and services at the time of the transaction and pay the full amount at a later date; and fair financing that allows consumers to pay for their purchase over a long duration.
Finance · Finance: Consumer Services · 2,831 employees
CACC vs KLAR FAQ
Which is bigger, Credit Acceptance or Klarna Group?
Credit Acceptance (CACC) is larger, with a market capitalization of $5.53B compared with $5.02B for Klarna Group (KLAR).
Which stock has performed better over the past year, CACC or KLAR?
CACC returned +8.03% over the past 12 months, compared with -67.95% for KLAR (price return, excluding dividends). Past performance does not predict future results.
Are Credit Acceptance and Klarna Group in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.