CREDIT ACCEPTANCE CORP vs S&P Global Inc., two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
The margin gap is wide but the businesses are wider apart: S&P Global nets 30.4% of revenue selling ratings, indices, and data with no balance sheet at risk; Credit Acceptance nets 19.5% taking deep-subprime auto credit risk. Credit Acceptance earns the higher return on equity, 30% against 15.3%, the lender's leverage-and-underwriting engine beating the toll booth's on capital return. S&P trades at 25.8 times earnings against 15.7, its premium buying monopoly-adjacent recurring revenue. S&P carries 0.51 turns of debt; Credit Acceptance funds off-sheet. The pair sets a risk-free information business against a risk-taking lender; the lender earns more on equity, the data business earns it more safely, and the market pays up for the safety.
Comparison updated 2026-07-11.
| Metric | CACC | SPGI |
|---|---|---|
| Price | $629.29 | $408.17 |
| Market cap | $6.9B | $121.5B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| Implied growth (priced in) | — | +14.6% |
| P/E | 15.7 | 25.8 |
| P/B | 4.55 | 3.88 |
| P/S | 2.96 | 7.72 |
| EV/EBITDA | 9810.9 | 16.8 |
| Revenue growth | +4.6% | +8.5% |
| Operating margin | — | 48.0% |
| Net margin | 19.5% | 30.4% |
| Return on equity | 29.9% | 15.3% |
| Return on assets | 5.2% | 7.9% |
| Dividend yield | — | 0.9% |
| Debt / equity | 0.00 | 0.51 |
| Current ratio | — | 0.68 |
| Altman Z (solvency) | 1.02 | 3.84 |
| Piotroski F (quality) | 7 / 9 | 6 / 9 |
Each week boothcheck ranks the stocks whose prices are betting on the most. Read the most stretched bets archive →
boothcheck is also on Android. Get the app on Google Play →
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.