` CACC (Credit Acceptance Corp) vs COF (Capital One Financial Corp) Comparison - Alpha Spread

CACC
vs
COF

Over the past 12 months, CACC has underperformed COF, delivering a return of +4% compared to the COF's +64% growth.

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CACC
COF
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
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Valuation Comparison

CACC Intrinsic Value
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COF Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Credit Acceptance Corp
NASDAQ:CACC
543.74 USD
Capital One Financial Corp
NYSE:COF
220.985 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CACC vs COF

CACC
COF
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Credit Acceptance Corp
Revenue
Capital One Financial Corp
Revenue

All metrics are calculated based on data from the last 10 years.

Profitability Comparison

Free Cash Flow
CACC vs COF

CACC
COF
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Credit Acceptance Corp
NASDAQ:CACC
Capital One Financial Corp
NYSE:COF
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

CACC
0%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Credit Acceptance Corp
Capital One Financial Corp
Not applicable for financial companies

Operating Margin

CACC
38.2%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Credit Acceptance Corp
Capital One Financial Corp
Not applicable for financial companies

Net Margin

CACC
13%
COF
11.5%

FCF Margin

CACC
52.7%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Credit Acceptance Corp
Capital One Financial Corp
Not applicable for financial companies

ROE

CACC
17.2%
COF
7.5%

ROA

CACC
3.3%
COF
0.9%

ROIC

CACC
8%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Credit Acceptance Corp
Capital One Financial Corp
Not applicable for financial companies

ROCE

CACC
11.1%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Credit Acceptance Corp
Capital One Financial Corp
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
CACC vs COF

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Performance Gap
CACC vs COF

Performance Gap Between CACC and COF
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Performance By Year
CACC vs COF

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CACC
COF
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