CREDIT ACCEPTANCE CORP vs TransUnion, two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Credit Acceptance out-earns TransUnion on capital by more than double, 29.95% on equity against 14.33%, the subprime auto lender's underwriting-plus-leverage against the credit bureau's asset-light recurring revenue. Credit Acceptance nets 19.5% of revenue to TransUnion's 14.9% and trades at 15.7 times earnings against 19.5. TransUnion carries 1.14 turns of debt and pays a 0.65% dividend; Credit Acceptance funds off-sheet and pays none. TransUnion sells the scores that lenders like Credit Acceptance buy to price risk. The market pays the bureau a premium multiple for its risk-free model, but Credit Acceptance earns twice the return on equity taking the risk the bureau merely rates.
Comparison updated 2026-07-11.
| Metric | CACC | TRU |
|---|---|---|
| Price | $629.29 | $70.34 |
| Market cap | $6.9B | $13.7B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| Implied growth (priced in) | — | +23.5% |
| P/E | 15.7 | 19.5 |
| P/B | 4.55 | 2.78 |
| P/S | 2.96 | 2.89 |
| EV/EBITDA | 9810.9 | 12.9 |
| Revenue growth | +4.6% | +11.0% |
| Operating margin | — | 19.6% |
| Net margin | 19.5% | 14.9% |
| Return on equity | 29.9% | 14.3% |
| Return on assets | 5.2% | 5.8% |
| Dividend yield | — | 0.7% |
| Debt / equity | 0.00 | 1.14 |
| Current ratio | — | 1.93 |
| Altman Z (solvency) | 1.02 | 2.07 |
| Piotroski F (quality) | 7 / 9 | 5 / 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.