Credit Acceptance (CACC) vs SoFi Technologies (SOFI)
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 SoFi Technologies (SOFI) over the past year, gaining 8.0% versus a loss of 44.3%. Over five years, CACC leads with a -13.4% price change compared with -19.2% for SOFI. SoFi Technologies is the larger company by market cap ($20.23 billion vs $5.53 billion), about 3.7 times the size.
On valuation, Credit Acceptance trades at a lower forward P/E (9.7x vs 19.0x for SoFi Technologies). SoFi Technologies converts more of its revenue into profit, with a net margin of 77.7% versus 18.3%.
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 | SOFI |
|---|---|---|
| Share price | $532.55 | $15.66 |
| Market cap | $5.53B | $20.23B |
| 1-day change | -0.75% | -0.63% |
| YTD return | +20.09% | -40.18% |
| 1-year return | +8.03% | -44.35% |
| 5-year return | -13.38% | -19.20% |
| P/E ratio (TTM) | 11.74 | 31.96 |
| Forward P/E | 9.65 | 19.03 |
| EPS (TTM) | $45.35 | $0.49 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $2.32B | $619.35M |
| Revenue growth (YoY) | +7.16% | +23.10% |
| Net income (latest FY) | $423.90M | $481.32M |
| Gross margin | — | 1.67% |
| Net margin | 18.29% | 77.71% |
| 52-week high | $668.86 | $32.73 |
| 52-week low | $401.90 | $14.88 |
| Distance from 52-week high | -20.38% | -52.15% |
| Analyst consensus | hold | hold |
| Avg. price target upside | +18.92% | +29.82% |
| Average volume | 124.08K | 57.13M |
| Shares outstanding | 10.38M | 1.29B |
| Employees | 2,314 | 6,100 |
| Sector | Financial Services | Finance |
| Industry | Credit 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
- SoFi Technologies is about 3.7 times larger than Credit Acceptance by market value ($20.23B vs $5.53B).
- CACC has outperformed SOFI by 52.4 percentage points over the past year.
- SoFi Technologies trades at a higher earnings multiple (32.0x vs 11.7x trailing P/E).
- SoFi Technologies is more profitable, keeping 77.7 cents of every revenue dollar as net income versus 18.3 cents for Credit Acceptance.
- SoFi Technologies grew revenue faster in its latest fiscal year (+23.10% vs +7.16%).
- The two companies sit in different sectors: Credit Acceptance in Financial Services and SoFi Technologies in Finance.
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 SoFi Technologies
SOFI stock →SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong.
Finance · Finance: Consumer Services · 6,100 employees
CACC vs SOFI FAQ
Which is bigger, Credit Acceptance or SoFi Technologies?
SoFi Technologies (SOFI) is larger, with a market capitalization of $20.23B compared with $5.53B for Credit Acceptance (CACC).
Which stock has performed better over the past year, CACC or SOFI?
CACC returned +8.03% over the past 12 months, compared with -44.35% for SOFI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CACC or SOFI?
CACC has the lower trailing P/E at 11.7, versus 32.0 for SOFI. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Credit Acceptance and SoFi Technologies in the same industry?
No. Credit Acceptance is in the Financial Services sector, while SoFi Technologies is in Finance.