SLM (SLM) Competitors

SLM (NASDAQ:SLM) and Credit Acceptance (NASDAQ:CACC) are both mid-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their earnings, risk, community ranking, media sentiment, valuation, institutional ownership, profitability, analyst recommendations and dividends.

Does the MarketBeat Community prefer SLM or CACC?

SLM received 149 more outperform votes than Credit Acceptance when rated by MarketBeat users. Likewise, 69.25% of users gave SLM an outperform vote while only 51.31% of users gave Credit Acceptance an outperform vote.

Company	Underperform	Outperform
SLM	Outperform Votes 482 69.25%	Underperform Votes 214 30.75%
Credit Acceptance	Outperform Votes 333 51.31%	Underperform Votes 316 48.69%

Does the media prefer SLM or CACC?

In the previous week, SLM had 5 more articles in the media than Credit Acceptance. MarketBeat recorded 9 mentions for SLM and 4 mentions for Credit Acceptance. Credit Acceptance's average media sentiment score of 1.55 beat SLM's score of 0.84 indicating that Credit Acceptance is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
SLM	4 Very Positive mention(s)	1 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Credit Acceptance	4 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Is SLM or CACC more profitable?

SLM has a net margin of 25.15% compared to Credit Acceptance's net margin of 12.83%. SLM's return on equity of 45.65% beat Credit Acceptance's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
SLM	25.15%	45.65%	2.63%
Credit Acceptance	12.83%	30.70%	6.94%

Which has better earnings & valuation, SLM or CACC?

SLM has higher revenue and earnings than Credit Acceptance. SLM is trading at a lower price-to-earnings ratio than Credit Acceptance, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
SLM	$2.84B	1.59	$581.39M	$3.20	6.43
Credit Acceptance	$1.90B	3.05	$286.10M	$19.49	24.61

Do insiders and institutionals hold more shares of SLM or CACC?

98.9% of SLM shares are owned by institutional investors. Comparatively, 81.7% of Credit Acceptance shares are owned by institutional investors. 1.2% of SLM shares are owned by insiders. Comparatively, 5.3% of Credit Acceptance shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Do analysts prefer SLM or CACC?

SLM presently has a consensus target price of $22.18, indicating a potential upside of 7.84%. Credit Acceptance has a consensus target price of $402.33, indicating a potential downside of 16.13%. Given SLM's stronger consensus rating and higher possible upside, analysts clearly believe SLM is more favorable than Credit Acceptance.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
SLM	0 Sell rating(s)	2 Hold rating(s)	8 Buy rating(s)	0 Strong Buy rating(s)	2.80
Credit Acceptance	1 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.67

Which has more risk and volatility, SLM or CACC?

SLM has a beta of 1.16, suggesting that its stock price is 16% more volatile than the S&P 500. Comparatively, Credit Acceptance has a beta of 1.43, suggesting that its stock price is 43% more volatile than the S&P 500.

Summary

SLM beats Credit Acceptance on 11 of the 18 factors compared between the two stocks.