ATLC vs CACC vs OMF

For growth investors, Atlanticus Holdings Corporation (ATLC) is the stronger pick with 53.

3% revenue growth year-over-year, versus 8. 6% for Credit Acceptance Corporation (CACC). OneMain Holdings, Inc. (OMF) offers the better valuation at 8. 5x trailing P/E (7. 6x forward), making it the more compelling value choice. Analysts rate Atlanticus Holdings Corporation (ATLC) a "Buy" — based on 6 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, OneMain Holdings, Inc.

(OMF) is the cheapest at 8. 5x versus Credit Acceptance Corporation at 14. 4x. On forward P/E, OneMain Holdings, Inc. is actually cheaper at 7. 6x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Atlanticus Holdings Corporation wins at 1. 00x versus OneMain Holdings, Inc. 's 1. 93x — a reasonable growth-adjusted valuation.

Over the past 5 years, Atlanticus Holdings Corporation (ATLC) delivered a total return of +136.

2%, compared to +29. 4% for Credit Acceptance Corporation (CACC). Over 10 years, the gap is even starker: ATLC returned +24. 8% versus CACC's +184. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), OneMain Holdings, Inc.

(OMF) is the lower-risk stock at 1. 30β versus Atlanticus Holdings Corporation's 1. 81β — meaning ATLC is approximately 39% more volatile than OMF relative to the S&P 500. On balance sheet safety, Credit Acceptance Corporation (CACC) carries a lower debt/equity ratio of 4% versus 11% for Atlanticus Holdings Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Atlanticus Holdings Corporation (ATLC) is pulling ahead at 53.

3% versus 8. 6% for Credit Acceptance Corporation (CACC). On earnings-per-share growth, the picture is similar: Credit Acceptance Corporation grew EPS 88. 9% year-over-year, compared to 24. 9% for Atlanticus Holdings Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Credit Acceptance Corporation (CACC) is the more profitable company, earning 18.

3% net margin versus 12. 5% for OneMain Holdings, Inc. — meaning it keeps 18. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CACC leads at 47. 6% versus 16. 0% for OMF. At the gross margin level — before operating expenses — CACC leads at 98. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Atlanticus Holdings Corporation (ATLC) is the more undervalued stock at a PEG of 1. 00x versus OneMain Holdings, Inc. 's 1. 93x. A PEG below 1. 5 suggests fair-to-attractive pricing relative to expected growth. On forward earnings alone, OneMain Holdings, Inc. (OMF) trades at 7. 6x forward P/E versus 11. 3x for Credit Acceptance Corporation — 3. 8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for OMF: 24. 7% to $69. 71.

In this comparison, OMF (4.

6% yield), ATLC (0. 8% yield) pay a dividend. CACC does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, OneMain Holdings, Inc.

(OMF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (4. 6% yield, +191. 1% 10Y return). Credit Acceptance Corporation (CACC) carries a higher beta of 1. 61 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (OMF: +191. 1%, CACC: +184. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: ATLC is a small-cap high-growth stock; CACC is a small-cap deep-value stock; OMF is a small-cap deep-value stock. ATLC, OMF pay a dividend while CACC does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.