Credit Acceptance (CACC) vs Nelnet (NNI)
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 Nelnet (NNI) over the past year, gaining 5.8% versus a loss of 2.2%. Over five years, NNI leads with a +51.4% price change compared with -11.7% for CACC. Credit Acceptance is the larger company by market cap ($5.63 billion vs $4.51 billion), about 1.3 times the size.
On valuation, Credit Acceptance trades at a lower forward P/E (9.8x vs 14.8x for Nelnet). Nelnet pays a dividend yielding 1.02%, 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 | NNI |
|---|---|---|
| Share price | $542.82 | $125.96 |
| Market cap | $5.63B | $4.51B |
| 1-day change | +1.93% | +1.16% |
| YTD return | +22.41% | -5.26% |
| 1-year return | +5.78% | -2.24% |
| 5-year return | -11.71% | +51.41% |
| P/E ratio (TTM) | 11.97 | 15.05 |
| Forward P/E | 9.84 | 14.82 |
| EPS (TTM) | $45.35 | $8.37 |
| Dividend yield | 0.00% | 1.02% |
| Annual dividend | $0.00 | $1.29 |
| Revenue (latest FY) | $2.32B | — |
| Revenue growth (YoY) | +7.16% | — |
| Net income (latest FY) | $423.90M | $428.47M |
| Net margin | 18.29% | — |
| 52-week high | $668.86 | $144.38 |
| 52-week low | $401.90 | $116.62 |
| Distance from 52-week high | -18.84% | -12.76% |
| Analyst consensus | hold | hold |
| Avg. price target upside | +16.67% | -0.76% |
| Average volume | 122.39K | 132.80K |
| Shares outstanding | 10.38M | 25.16M |
| Employees | 2,314 | 5,744 |
| 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
- Nelnet trades at a higher earnings multiple (15.0x vs 12.0x trailing P/E).
- Nelnet offers a meaningfully higher dividend yield (1.02% 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 Nelnet
NNI stock →Nelnet, Inc. engages in loan servicing, education technology services, and payment businesses worldwide.
Finance · Finance: Consumer Services · 5,744 employees
CACC vs NNI FAQ
Which is bigger, Credit Acceptance or Nelnet?
Credit Acceptance (CACC) is larger, with a market capitalization of $5.63B compared with $4.51B for Nelnet (NNI).
Which stock has performed better over the past year, CACC or NNI?
CACC returned +5.78% over the past 12 months, compared with -2.24% for NNI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CACC or NNI?
CACC has the lower trailing P/E at 12.0, versus 15.0 for NNI. 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 Nelnet?
Nelnet pays a dividend yielding 1.02%, while Credit Acceptance does not currently pay a regular dividend.
Are Credit Acceptance and Nelnet in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.