CREDIT ACCEPTANCE CORP vs ORIX CORPORATION, two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
What is priced in: Credit Acceptance at 15.7 times earnings is priced for its deep-subprime auto-lending machine to keep compounding at 30% returns; Orix, with no usable P/E, as a diversified Japanese financial value holding. Credit Acceptance earns 30% on equity against Orix's 9.8%, nets 19.5% of revenue against 13.4%, and runs debt-free where Orix carries 1.43 turns. Orix pays a 2.64% dividend and shows a 21.3% free-cash figure; Credit Acceptance pays none but yields 15.3% in free cash. The pair prices a focused, high-return US subprime lender against a sprawling Japanese conglomerate; Credit Acceptance earns three times Orix's return on equity, and its multiple prices continuation of a model that has compounded for decades.
Comparison updated 2026-07-11.
| Metric | CACC | IX |
|---|---|---|
| Price | $629.29 | $38.30 |
| Market cap | $6.9B | $42.9B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| P/E | 15.7 | — |
| P/B | 4.55 | 1.41 |
| P/S | 2.96 | 1.93 |
| EV/EBITDA | 9810.9 | 13.5 |
| Revenue growth | +4.6% | +7.5% |
| Operating margin | — | 13.7% |
| Net margin | 19.5% | 13.4% |
| Return on equity | 29.9% | 9.8% |
| Return on assets | 5.2% | 2.5% |
| Dividend yield | — | 2.6% |
| Debt / equity | 0.00 | 1.43 |
| Altman Z (solvency) | 1.02 | 0.83 |
| Piotroski F (quality) | 7 / 9 | 9 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.