CACC vs. OMF, SLM, NNI, ENVA, ECPG, PRAA, WRLD, EZPW, GDOT, and RM
Should you be buying Credit Acceptance stock or one of its competitors? The main competitors of Credit Acceptance include OneMain (OMF), SLM (SLM), Nelnet (NNI), Enova International (ENVA), Encore Capital Group (ECPG), PRA Group (PRAA), World Acceptance (WRLD), EZCORP (EZPW), Green Dot (GDOT), and Regional Management (RM).
Credit Acceptance (NASDAQ:CACC) and OneMain (NYSE:OMF) are both mid-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their dividends, analyst recommendations, valuation, earnings, risk, institutional ownership, community ranking, profitability and media sentiment.
OneMain received 131 more outperform votes than Credit Acceptance when rated by MarketBeat users. Likewise, 66.19% of users gave OneMain an outperform vote while only 51.31% of users gave Credit Acceptance an outperform vote.
Credit Acceptance currently has a consensus price target of $402.33, indicating a potential downside of 18.03%. OneMain has a consensus price target of $54.62, indicating a potential upside of 11.19%. Given OneMain's stronger consensus rating and higher probable upside, analysts clearly believe OneMain is more favorable than Credit Acceptance.
OneMain has a net margin of 13.29% compared to Credit Acceptance's net margin of 12.83%. Credit Acceptance's return on equity of 30.70% beat OneMain's return on equity.
Credit Acceptance has a beta of 1.44, meaning that its share price is 44% more volatile than the S&P 500. Comparatively, OneMain has a beta of 1.63, meaning that its share price is 63% more volatile than the S&P 500.
In the previous week, OneMain had 1 more articles in the media than Credit Acceptance. MarketBeat recorded 5 mentions for OneMain and 4 mentions for Credit Acceptance. Credit Acceptance's average media sentiment score of 1.77 beat OneMain's score of 0.43 indicating that Credit Acceptance is being referred to more favorably in the media.
81.7% of Credit Acceptance shares are held by institutional investors. Comparatively, 85.8% of OneMain shares are held by institutional investors. 5.3% of Credit Acceptance shares are held by insiders. Comparatively, 0.5% of OneMain shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
OneMain has higher revenue and earnings than Credit Acceptance. OneMain is trading at a lower price-to-earnings ratio than Credit Acceptance, indicating that it is currently the more affordable of the two stocks.
Summary
OneMain beats Credit Acceptance on 11 of the 18 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding CACC and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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