Comprehensive Stock Comparison
Compare Open Lending Corporation (LPRO) vs Credit Acceptance Corporation (CACC) 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 LPRO's -79.5% |
| Value | CACC | Lower P/E (10.2x vs 11.4x) |
| Quality / Margins | CACC | 11.6% net margin vs LPRO's -5.6% |
| Stability / Safety | CACC | Beta 1.13 vs LPRO's 1.42 |
| Dividends | Tie | Neither pays a meaningful dividend |
| Momentum (1Y) | CACC | -3.9% vs LPRO's -72.7% |
| Efficiency (ROA) | CACC | 5.3% ROA vs LPRO's -52.3%, ROIC 3.3% vs -17.0% |
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
Open Lending provides a SaaS platform that enables automotive lenders — primarily credit unions and regional banks — to make near-prime auto loans with reduced risk. It generates revenue through a combination of platform fees, loan facilitation fees, and a share of the insurance premiums from the default protection it helps arrange. The company's moat lies in its proprietary risk analytics and automated underwriting technology, which creates a data-driven ecosystem that traditional lenders struggle to replicate.
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.
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
CACC leads in 5 of 6 categories — strongest in Financial Metrics and Valuation Metrics.
Financial Metrics (TTM)
CACC is the larger business by revenue, generating $2.1B annually — 88.8x LPRO's $24M. CACC is the more profitable business, keeping 11.6% of every revenue dollar as net income compared to LPRO's -5.6%.
| Metric | LPROOpen Lending Corp… | CACCCredit Acceptance… |
|---|---|---|
| RevenueTrailing 12 months | $24M | $2.1B |
| EBITDAEarnings before interest/tax | -$82M | $598M |
| Net IncomeAfter-tax profit | -$150M | $454M |
| Free Cash FlowCash after capex | -$13M | $1.1B |
| Gross MarginGross profit ÷ Revenue | +0.7% | +62.4% |
| Operating MarginEBIT ÷ Revenue | -2.7% | +15.2% |
| Net MarginNet income ÷ Revenue | -5.6% | +11.6% |
| FCF MarginFCF ÷ Revenue | +72.6% | +53.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -6.0% | +48.5% |
Valuation Metrics
| Metric | LPROOpen Lending Corp… | CACCCredit Acceptance… |
|---|---|---|
| Market CapShares × price | $157M | $5.2B |
| Enterprise ValueMkt cap + debt − cash | $58M | $10.7B |
| Trailing P/EPrice ÷ TTM EPS | -1.18x | 23.80x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.44x | 10.24x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | 30.41x |
| Price / SalesMarket cap ÷ Revenue | 6.54x | 2.45x |
| Price / BookPrice ÷ Book value/share | 2.03x | 3.37x |
| Price / FCFMarket cap ÷ FCF | 9.02x | 4.60x |
Profitability & Efficiency
CACC delivers a 28.7% return on equity — every $100 of shareholder capital generates $29 in annual profit, vs $-2 for LPRO. LPRO carries lower financial leverage with a 1.84x debt-to-equity ratio, signaling a more conservative balance sheet compared to CACC's 3.63x. On the Piotroski fundamental quality scale (0–9), CACC scores 4/9 vs LPRO's 3/9, reflecting mixed financial health.
| Metric | LPROOpen Lending Corp… | CACCCredit Acceptance… |
|---|---|---|
| ROE (TTM)Return on equity | -2.1% | +28.7% |
| ROA (TTM)Return on assets | -52.3% | +5.3% |
| ROICReturn on invested capital | -17.0% | +3.3% |
| ROCEReturn on capital employed | -21.7% | +3.6% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 4 |
| Debt / EquityFinancial leverage | 1.84x | 3.63x |
| Net DebtTotal debt minus cash | -$99M | $5.5B |
| Cash & Equiv.Liquid assets | $243M | $845M |
| Total DebtShort + long-term debt | $144M | $6.4B |
| Interest CoverageEBIT ÷ Interest expense | -7.43x | — |
Total Returns (with DRIP)
A $10,000 investment in CACC five years ago would be worth $12,502 today (with dividends reinvested), compared to $325 for LPRO. Over the past 12 months, CACC leads with a -3.9% total return vs LPRO's -72.7%. The 3-year compound annual growth rate (CAGR) favors CACC at 2.1% vs LPRO's -42.7% — a key indicator of consistent wealth creation.
| Metric | LPROOpen Lending Corp… | CACCCredit Acceptance… |
|---|---|---|
| YTD ReturnYear-to-date | -14.7% | +4.2% |
| 1-Year ReturnPast 12 months | -72.7% | -3.9% |
| 3-Year ReturnCumulative with dividends | -81.2% | +6.5% |
| 5-Year ReturnCumulative with dividends | -96.8% | +25.0% |
| 10-Year ReturnCumulative with dividends | -86.2% | +140.1% |
| CAGR (3Y)Annualised 3-year return | -42.7% | +2.1% |
Risk & Volatility
CACC is the less volatile stock with a 1.13 beta — it tends to amplify market swings less than LPRO's 1.42 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CACC currently trades 86.1% from its 52-week high vs LPRO's 26.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | LPROOpen Lending Corp… | CACCCredit Acceptance… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.42x | 1.13x |
| 52-Week HighHighest price in past year | $5.00 | $549.75 |
| 52-Week LowLowest price in past year | $0.70 | $401.90 |
| % of 52W HighCurrent price vs 52-week peak | +26.6% | +86.1% |
| RSI (14)Momentum oscillator 0–100 | 38.4 | 50.7 |
| Avg Volume (50D)Average daily shares traded | 527K | 151K |
Analyst Outlook
Wall Street rates LPRO as "Hold" and CACC as "Hold". Consensus price targets imply 1027.8% upside for LPRO (target: $15) vs 1.4% for CACC (target: $480).
| Metric | LPROOpen Lending Corp… | CACCCredit Acceptance… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $15.00 | $480.00 |
| # AnalystsCovering analysts | 12 | 18 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | 2 | — |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | +1.1% | +6.0% |
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 |
|---|---|---|---|
| Open Lending Corpor… (LPRO) | 100 | 17.43 | -82.6% |
| Credit Acceptance C… (CACC) | 100 | 128.57 | +28.6% |
Credit Acceptance C… (CACC) returned +25% over 5 years vs Open Lending Corpor… (LPRO)'s -97%. A $10,000 investment in CACC 5 years ago would be worth $12,502 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Open Lending Corpor… (LPRO) | $32M | $24M | -25.8% |
| Credit Acceptance C… (CACC) | $824M | $2.1B | +159.1% |
Credit Acceptance Corporation's revenue grew from $824M (2015) to $2.1B (2024) — a 11.2% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Open Lending Corpor… (LPRO) | -0.1% | -5.6% | -5828.1% |
| Credit Acceptance C… (CACC) | 36.4% | 11.6% | -68.1% |
Credit Acceptance Corporation's net margin went from 36% (2015) to 12% (2024).
Chart 4P/E Ratio History — 8 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| Open Lending Corpor… (LPRO) | 31.5 | 47.3 | +50.2% |
| Credit Acceptance C… (CACC) | 13.5 | 23.6 | +74.8% |
Open Lending Corporation has traded in a 6x–47x P/E range over 5 years; current trailing P/E is ~-1x. Credit Acceptance Corporation has traded in a 12x–24x P/E range over 8 years; current trailing P/E is ~24x.
Chart 5EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Open Lending Corpor… (LPRO) | -0 | -1.13 | -112900.0% |
| Credit Acceptance C… (CACC) | 14.28 | 19.88 | +39.2% |
Credit Acceptance Corporation's EPS grew from $14.28 (2015) to $19.88 (2024) — a 4% CAGR.
Chart 6Free Cash Flow — 5 Years
Open Lending Corporation generated $17M FCF in 2024 (-81% vs 2021). Credit Acceptance Corporation generated $1B FCF in 2024 (+7% vs 2021).
LPRO vs CACC: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is LPRO or CACC a better buy right now?
Credit Acceptance Corporation (CACC) offers the better valuation at 23.8x trailing P/E (10.2x forward), making it the more compelling value choice. Analysts rate Open Lending Corporation (LPRO) a "Hold" — based on 12 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 — LPRO or CACC?
On forward P/E, Credit Acceptance Corporation is actually cheaper at 10.2x.
03Which is the better long-term investment — LPRO or CACC?
Over the past 5 years, Credit Acceptance Corporation (CACC) delivered a total return of +25.0%, compared to -96.8% for Open Lending Corporation (LPRO). A $10,000 investment in CACC five years ago would be worth approximately $13K today (assuming dividends reinvested). Over 10 years, the gap is even starker: CACC returned +140.1% versus LPRO's -86.2%. 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 — LPRO or CACC?
By beta (market sensitivity over 5 years), Credit Acceptance Corporation (CACC) is the lower-risk stock at 1.13β versus Open Lending Corporation's 1.42β — meaning LPRO is approximately 25% more volatile than CACC relative to the S&P 500. On balance sheet safety, Open Lending Corporation (LPRO) carries a lower debt/equity ratio of 184% versus 4% for Credit Acceptance Corporation — giving it more financial flexibility in a downturn.
05Which has better profit margins — LPRO or CACC?
Credit Acceptance Corporation (CACC) is the more profitable company, earning 11.6% net margin versus -562.0% for Open Lending Corporation — meaning it keeps 11.6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CACC leads at 15.2% versus -272.1% for LPRO. 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 LPRO or CACC more undervalued right now?
On forward earnings alone, Credit Acceptance Corporation (CACC) trades at 10.2x forward P/E versus 11.4x for Open Lending Corporation — 1.2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for LPRO: 1027.8% to $15.00.
07Which pays a better dividend — LPRO or CACC?
None of the stocks in this comparison currently pay a material dividend. All are effectively zero-yield and should be held for capital appreciation rather than income.
08Is LPRO or CACC better for a retirement portfolio?
For long-horizon retirement investors, Credit Acceptance Corporation (CACC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.13), +140.1% 10Y return). Both have compounded well over 10 years (CACC: +140.1%, LPRO: -86.2%), 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 LPRO and CACC?
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. 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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