Comprehensive Stock Comparison
Compare Credit Acceptance Corporation (CACC) vs ORIX Corporation (IX) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | CACC | 13.5% revenue growth vs IX's 2.1% |
| Value | IX | Lower P/E (0.1x vs 10.2x) |
| Quality / Margins | IX | 12.2% net margin vs CACC's 11.6% |
| Stability / Safety | IX | Beta 0.68 vs CACC's 1.13, lower leverage |
| Dividends | IX | 2.1% yield; 1-year raise streak; CACC pays no meaningful dividend |
| Momentum (1Y) | IX | +77.9% vs CACC's -3.9% |
| Efficiency (ROA) | CACC | 5.3% ROA vs IX's 2.5%, ROIC 3.3% vs 2.4% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Credit Acceptance Corporation is a specialty finance company that provides auto loan financing programs to independent and franchised car dealers across the United States. It makes money primarily through interest income from consumer auto loans — which it either purchases from dealers or services for them — and secondarily through reinsurance premiums from vehicle service contracts. The company's key advantage is its proprietary credit scoring technology and extensive dealer network, which allow it to profitably serve subprime borrowers that traditional lenders often avoid.
ORIX Corporation is a diversified financial services conglomerate operating across leasing, lending, real estate, and private equity. It generates revenue primarily through interest income from corporate finance and leasing operations (around 40%), fee income from asset management and real estate services (roughly 30%), and investment returns from private equity and infrastructure holdings. The company's competitive advantage lies in its integrated financial ecosystem—spanning traditional lending to alternative investments—and its extensive network across Asia, particularly Japan, which creates cross-selling opportunities and economies of scale.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
IX leads in 3 of 6 categories (Valuation Metrics, Total Returns). CACC leads in 2 (Financial Metrics, Profitability & Efficiency).
Financial Metrics (TTM)
IX is the larger business by revenue, generating $2.87T annually — 1347.0x CACC's $2.1B. Profitability is closely matched — net margins range from 12.2% (IX) to 11.6% (CACC).
| Metric | CACCCredit Acceptance… | IXORIX Corporation |
|---|---|---|
| RevenueTrailing 12 months | $2.1B | $2.87T |
| EBITDAEarnings before interest/tax | $598M | $717.3B |
| Net IncomeAfter-tax profit | $454M | $439.8B |
| Free Cash FlowCash after capex | $1.1B | $0 |
| Gross MarginGross profit ÷ Revenue | +62.4% | +41.8% |
| Operating MarginEBIT ÷ Revenue | +15.2% | +11.5% |
| Net MarginNet income ÷ Revenue | +11.6% | +12.2% |
| FCF MarginFCF ÷ Revenue | +53.2% | +41.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +48.5% | +74.6% |
Valuation Metrics
At 18.1x trailing earnings, IX trades at a 24% valuation discount to CACC's 23.8x P/E. On an enterprise value basis, IX's 15.3x EV/EBITDA is more attractive than CACC's 30.4x.
| Metric | CACCCredit Acceptance… | IXORIX Corporation |
|---|---|---|
| Market CapShares × price | $5.2B | $39.3B |
| Enterprise ValueMkt cap + debt − cash | $10.7B | $71.8B |
| Trailing P/EPrice ÷ TTM EPS | 23.80x | 18.07x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.24x | 0.09x |
| PEG RatioP/E ÷ EPS growth rate | — | 3.40x |
| EV / EBITDAEnterprise value multiple | 30.41x | 15.33x |
| Price / SalesMarket cap ÷ Revenue | 2.45x | 2.13x |
| Price / BookPrice ÷ Book value/share | 3.37x | 1.52x |
| Price / FCFMarket cap ÷ FCF | 4.60x | 5.20x |
Profitability & Efficiency
CACC delivers a 28.7% return on equity — every $100 of shareholder capital generates $29 in annual profit, vs $10 for IX. IX carries lower financial leverage with a 1.51x debt-to-equity ratio, signaling a more conservative balance sheet compared to CACC's 3.63x. On the Piotroski fundamental quality scale (0–9), IX scores 6/9 vs CACC's 4/9, reflecting solid financial health.
| Metric | CACCCredit Acceptance… | IXORIX Corporation |
|---|---|---|
| ROE (TTM)Return on equity | +28.7% | +9.7% |
| ROA (TTM)Return on assets | +5.3% | +2.5% |
| ROICReturn on invested capital | +3.3% | +2.4% |
| ROCEReturn on capital employed | +3.6% | +2.5% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 6 |
| Debt / EquityFinancial leverage | 3.63x | 1.51x |
| Net DebtTotal debt minus cash | $5.5B | $5.08T |
| Cash & Equiv.Liquid assets | $845M | $1.21T |
| Total DebtShort + long-term debt | $6.4B | $6.28T |
| Interest CoverageEBIT ÷ Interest expense | — | 3.88x |
Total Returns (with DRIP)
A $10,000 investment in IX five years ago would be worth $22,877 today (with dividends reinvested), compared to $12,502 for CACC. Over the past 12 months, IX leads with a +77.9% total return vs CACC's -3.9%. The 3-year compound annual growth rate (CAGR) favors IX at 28.3% vs CACC's 2.1% — a key indicator of consistent wealth creation.
| Metric | CACCCredit Acceptance… | IXORIX Corporation |
|---|---|---|
| YTD ReturnYear-to-date | +4.2% | +20.5% |
| 1-Year ReturnPast 12 months | -3.9% | +77.9% |
| 3-Year ReturnCumulative with dividends | +6.5% | +111.0% |
| 5-Year ReturnCumulative with dividends | +25.0% | +128.8% |
| 10-Year ReturnCumulative with dividends | +140.1% | +218.8% |
| CAGR (3Y)Annualised 3-year return | +2.1% | +28.3% |
Risk & Volatility
IX is the less volatile stock with a 0.68 beta — it tends to amplify market swings less than CACC's 1.13 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. IX currently trades 96.0% from its 52-week high vs CACC's 86.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CACCCredit Acceptance… | IXORIX Corporation |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.13x | 0.68x |
| 52-Week HighHighest price in past year | $549.75 | $37.04 |
| 52-Week LowLowest price in past year | $401.90 | $17.75 |
| % of 52W HighCurrent price vs 52-week peak | +86.1% | +96.0% |
| RSI (14)Momentum oscillator 0–100 | 50.7 | 68.2 |
| Avg Volume (50D)Average daily shares traded | 151K | 175K |
Analyst Outlook
IX is the only dividend payer here at 2.09% yield — a key consideration for income-focused portfolios.
| Metric | CACCCredit Acceptance… | IXORIX Corporation |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | — |
| Price TargetConsensus 12-month target | $480.00 | — |
| # AnalystsCovering analysts | 18 | — |
| Dividend YieldAnnual dividend ÷ price | — | +2.1% |
| Dividend StreakConsecutive years of raises | — | 1 |
| Dividend / ShareAnnual DPS | — | $116.24 |
| Buyback YieldShare repurchases ÷ mkt cap | +6.0% | +0.9% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Credit Acceptance C… (CACC) | 100 | 128.57 | +28.6% |
| ORIX Corporation (IX) | 100 | 187.71 | +87.7% |
ORIX Corporation (IX) returned +129% over 5 years vs Credit Acceptance C… (CACC)'s +25%. A $10,000 investment in IX 5 years ago would be worth $22,877 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Credit Acceptance C… (CACC) | $965M | $2.1B | +121.1% |
| ORIX Corporation (IX) | $1.2T | $2.9T | +145.5% |
ORIX Corporation's revenue grew from $1.2T (2016) to $2.9T (2025) — a 10.5% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Credit Acceptance C… (CACC) | 34.5% | 11.6% | -66.3% |
| ORIX Corporation (IX) | 22.2% | 12.2% | -44.9% |
ORIX Corporation's net margin went from 22% (2016) to 12% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Credit Acceptance C… (CACC) | 13.5 | 23.6 | +74.8% |
| ORIX Corporation (IX) | 0.1 | 0.1 | +0.0% |
Credit Acceptance Corporation has traded in a 12x–24x P/E range over 8 years; current trailing P/E is ~24x. ORIX Corporation has traded in a 0x–0x P/E range over 9 years; current trailing P/E is ~18x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Credit Acceptance C… (CACC) | 16.31 | 19.88 | +21.9% |
| ORIX Corporation (IX) | 198.52 | 307.16 | +54.7% |
ORIX Corporation's EPS grew from $198.52 (2016) to $307.16 (2025) — a 5% CAGR.
Chart 6Free Cash Flow — 5 Years
Credit Acceptance Corporation generated $1B FCF in 2024 (+7% vs 2021). ORIX Corporation generated $1.2T FCF in 2025 (+245% vs 2021).
CACC vs IX: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is CACC or IX a better buy right now?
ORIX Corporation (IX) offers the better valuation at 18.1x trailing P/E (0.1x forward), making it the more compelling value choice. Analysts rate Credit Acceptance Corporation (CACC) a "Hold" — based on 18 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.
02Which has the better valuation — CACC or IX?
On trailing P/E, ORIX Corporation (IX) is the cheapest at 18.1x versus Credit Acceptance Corporation at 23.8x. On forward P/E, ORIX Corporation is actually cheaper at 0.1x.
03Which is the better long-term investment — CACC or IX?
Over the past 5 years, ORIX Corporation (IX) delivered a total return of +128.8%, compared to +25.0% for Credit Acceptance Corporation (CACC). A $10,000 investment in IX five years ago would be worth approximately $23K today (assuming dividends reinvested). Over 10 years, the gap is even starker: IX returned +218.8% versus CACC's +140.1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CACC or IX?
By beta (market sensitivity over 5 years), ORIX Corporation (IX) is the lower-risk stock at 0.68β versus Credit Acceptance Corporation's 1.13β — meaning CACC is approximately 68% more volatile than IX relative to the S&P 500. On balance sheet safety, ORIX Corporation (IX) carries a lower debt/equity ratio of 151% versus 4% for Credit Acceptance Corporation — giving it more financial flexibility in a downturn.
05Which has better profit margins — CACC or IX?
ORIX Corporation (IX) is the more profitable company, earning 12.2% net margin versus 11.6% for Credit Acceptance Corporation — meaning it keeps 12.2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CACC leads at 15.2% versus 11.5% for IX. At the gross margin level — before operating expenses — CACC leads at 62.4%, 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.
06Is CACC or IX more undervalued right now?
On forward earnings alone, ORIX Corporation (IX) trades at 0.1x forward P/E versus 10.2x for Credit Acceptance Corporation — 10.2x cheaper on a one-year earnings basis.
07Which pays a better dividend — CACC or IX?
In this comparison, IX (2.1% yield) pays a dividend. CACC does not pay a meaningful dividend and should not be held primarily for income.
08Is CACC or IX better for a retirement portfolio?
For long-horizon retirement investors, ORIX Corporation (IX) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.68), 2.1% yield, +218.8% 10Y return). Both have compounded well over 10 years (IX: +218.8%, CACC: +140.1%), 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.
09What are the main differences between CACC and IX?
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. IX pays 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.
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