Credit Acceptance (CACC) vs Navient (NAVI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Credit Acceptance (CACC) has outperformed Navient (NAVI) over the past year, gaining 5.8% versus a loss of 25.5%. Over five years, CACC leads with a -11.7% price change compared with -53.6% for NAVI. Credit Acceptance is the larger company by market cap ($5.63 billion vs $869.4 million), about 6.5 times the size.
On valuation, Navient trades at a lower forward P/E (9.5x vs 9.8x for Credit Acceptance). Navient pays a dividend yielding 6.90%, 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 | NAVI |
|---|---|---|
| Share price | $542.82 | $9.27 |
| Market cap | $5.63B | $869.38M |
| 1-day change | +1.93% | +2.54% |
| YTD return | +22.41% | -28.69% |
| 1-year return | +5.78% | -25.48% |
| 5-year return | -11.71% | -53.60% |
| P/E ratio (TTM) | 11.97 | — |
| Forward P/E | 9.84 | 9.53 |
| EPS (TTM) | $45.35 | $-0.49 |
| Dividend yield | 0.00% | 6.90% |
| Annual dividend | $0.00 | $0.64 |
| 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 | $13.48 |
| 52-week low | $401.90 | $7.33 |
| Distance from 52-week high | -18.84% | -31.23% |
| Analyst consensus | hold | hold |
| Avg. price target upside | +16.67% | -3.67% |
| Average volume | 122.39K | 1.23M |
| Shares outstanding | 10.38M | 93.78M |
| Employees | 2,314 | 670 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Investment Bankers/Brokers/Service |
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 6.5 times larger than Navient by market value ($5.63B vs $869.38M).
- CACC has outperformed NAVI by 31.3 percentage points over the past year.
- Navient offers a meaningfully higher dividend yield (6.90% 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.
Finance · Finance: Consumer Services · 2,314 employees
About Navient
NAVI stock →Navient Corporation provides technology-enabled education finance for education in the United States. It operates through two segments: Federal Education Loans and Consumer Lending.
Finance · Investment Bankers/Brokers/Service · 670 employees
CACC vs NAVI FAQ
Which is bigger, Credit Acceptance or Navient?
Credit Acceptance (CACC) is larger, with a market capitalization of $5.63B compared with $869.38M for Navient (NAVI).
Which stock has performed better over the past year, CACC or NAVI?
CACC returned +5.78% over the past 12 months, compared with -25.48% for NAVI (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, Credit Acceptance or Navient?
Navient pays a dividend yielding 6.90%, while Credit Acceptance does not currently pay a regular dividend.
Are Credit Acceptance and Navient in the same industry?
Both are in the Finance sector, but in different industries: Finance: Consumer Services for Credit Acceptance and Investment Bankers/Brokers/Service for Navient.