Credit Acceptance (CACC) vs OneMain (OMF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Credit Acceptance (CACC) has outperformed OneMain (OMF) over the past year, gaining 8.0% versus a gain of 2.1%. Over five years, OMF leads with a -5.1% price change compared with -13.4% for CACC. OneMain is the larger company by market cap ($6.45 billion vs $5.53 billion), about 1.2 times the size.
On valuation, OneMain trades at a lower forward P/E (6.6x vs 9.7x for Credit Acceptance). OneMain pays a dividend yielding 7.47%, while Credit Acceptance does not currently pay one. Credit Acceptance converts more of its revenue into profit, with a net margin of 18.3% versus 16.0%.
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 | OMF |
|---|---|---|
| Share price | $532.55 | $56.07 |
| Market cap | $5.53B | $6.45B |
| 1-day change | -0.75% | -0.20% |
| YTD return | +20.09% | -16.99% |
| 1-year return | +8.03% | +2.15% |
| 5-year return | -13.38% | -5.08% |
| P/E ratio (TTM) | 11.74 | 8.44 |
| Forward P/E | 9.72 | 6.57 |
| EPS (TTM) | $45.35 | $6.64 |
| Dividend yield | 0.00% | 7.47% |
| Annual dividend | $0.00 | $4.19 |
| Revenue (latest FY) | $2.32B | $4.90B |
| Revenue growth (YoY) | +7.16% | +8.88% |
| Net income (latest FY) | $423.90M | $783.00M |
| Net margin | 18.29% | 15.97% |
| 52-week high | $668.86 | $71.93 |
| 52-week low | $401.90 | $45.78 |
| Distance from 52-week high | -20.38% | -22.05% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +18.92% | +22.17% |
| Average volume | 124.08K | 977.98K |
| Shares outstanding | 10.38M | 115.04M |
| Employees | 2,314 | 9,300 |
| 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
- Credit Acceptance trades at a higher earnings multiple (11.7x vs 8.4x trailing P/E).
- OneMain offers a meaningfully higher dividend yield (7.47% 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 OneMain
OMF stock →OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses in the United States. The company provides origination, underwriting, and servicing of consumer loans, consisting of personal loans and auto finance.
Finance · Finance: Consumer Services · 9,300 employees
CACC vs OMF FAQ
Which is bigger, Credit Acceptance or OneMain?
OneMain (OMF) is larger, with a market capitalization of $6.45B compared with $5.53B for Credit Acceptance (CACC).
Which stock has performed better over the past year, CACC or OMF?
CACC returned +8.03% over the past 12 months, compared with +2.15% for OMF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CACC or OMF?
OMF has the lower trailing P/E at 8.4, versus 11.7 for CACC. 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 OneMain?
OneMain pays a dividend yielding 7.47%, while Credit Acceptance does not currently pay a regular dividend.
Are Credit Acceptance and OneMain in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.