Credit Acceptance (CACC) vs World Acceptance (WRLD)
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 World Acceptance (WRLD) over the past year, gaining 8.0% versus a loss of 0.2%. Over five years, WRLD leads with a -9.3% price change compared with -13.4% for CACC. Credit Acceptance is the larger company by market cap ($5.53 billion vs $822.3 million), about 6.7 times the size.
On valuation, Credit Acceptance trades at a lower forward P/E (9.7x vs 11.7x for World Acceptance).
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 | WRLD |
|---|---|---|
| Share price | $532.55 | $176.44 |
| Market cap | $5.53B | $822.28M |
| 1-day change | -0.75% | -0.29% |
| YTD return | +20.09% | +25.68% |
| 1-year return | +8.03% | -0.16% |
| 5-year return | -13.38% | -9.29% |
| P/E ratio (TTM) | 11.82 | 22.22 |
| Forward P/E | 9.65 | 11.65 |
| EPS (TTM) | $45.05 | $7.94 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| 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 | $227.68 |
| 52-week low | $401.90 | $110.00 |
| Distance from 52-week high | -20.38% | -22.51% |
| Analyst consensus | hold | none |
| Avg. price target upside | +18.92% | +19.02% |
| Average volume | 124.08K | 91.78K |
| Shares outstanding | 10.38M | 4.66M |
| Employees | 2,314 | 2,907 |
| Sector | Financial Services | Financial Services |
| Industry | Credit Services | Credit 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 is about 6.7 times larger than World Acceptance by market value ($5.53B vs $822.28M).
- World Acceptance trades at a higher earnings multiple (22.2x vs 11.8x trailing P/E).
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 World Acceptance
WRLD stock →World Acceptance Corporation engages in consumer finance business in the United States. The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products and services to individuals.
Financial Services · Credit Services · 2,907 employees
CACC vs WRLD FAQ
Which is bigger, Credit Acceptance or World Acceptance?
Credit Acceptance (CACC) is larger, with a market capitalization of $5.53B compared with $822.28M for World Acceptance (WRLD).
Which stock has performed better over the past year, CACC or WRLD?
CACC returned +8.03% over the past 12 months, compared with -0.16% for WRLD (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CACC or WRLD?
CACC has the lower trailing P/E at 11.8, versus 22.2 for WRLD. 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 World Acceptance in the same industry?
Yes. Both are classified in the Credit Services industry within the Financial Services sector.