Credit Acceptance Corporation (CACC)vsSynchrony Financial (SYF)
CACC
Credit Acceptance Corporation
$604.24
-0.20%
FINANCIAL SERVICES · Cap: $6.16B
SYF
Synchrony Financial
$75.99
+0.73%
FINANCIAL SERVICES · Cap: $25.58B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 660% more annual revenue ($9.91B vs $1.30B). CACC leads profitability with a 38.5% profit margin vs 35.5%. SYF appears more attractively valued with a PEG of 0.99. SYF earns a higher WallStSmart Score of 75/100 (B).
CACC
Strong Buy75
out of 100
Grade: B
SYF
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 52.6%
Earnings expanding 70.6% YoY
Every $100 of equity generates 30 in profit
Attractively priced relative to earnings
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 50.2%
Every $100 of equity generates 21 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
0.6% revenue growth
3.6% earnings growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CACC
The strongest argument for CACC centers on Profit Margin, Operating Margin, EPS Growth. Profitability is solid with margins at 38.5% and operating margin at 52.6%. PEG of 1.15 suggests the stock is reasonably priced for its growth.
Bull Case : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 35.5% and operating margin at 50.2%. PEG of 0.99 suggests the stock is reasonably priced for its growth.
Bear Case : CACC
The primary concerns for CACC are Altman Z-Score, Debt/Equity. Debt-to-equity of 3.96 is elevated, increasing financial risk.
Bear Case : SYF
The primary concerns for SYF are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
CACC profiles as a mature stock while SYF is a value play — different risk/reward profiles.
CACC carries more volatility with a beta of 1.35 — expect wider price swings.
CACC is growing revenue faster at 9.5% — sustainability is the question.
SYF generates stronger free cash flow (2.4B), providing more financial flexibility.
Bottom Line
CACC scores higher overall (75/100 vs 75/100), backed by strong 38.5% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Credit Acceptance Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Credit Acceptance Corporation offers financing programs and related products and services to independent and franchised automobile dealerships in the United States. The company is headquartered in Southfield, Michigan.
Visit Website →Synchrony Financial
FINANCIAL SERVICES · CREDIT SERVICES · USA
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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