Compare $CACC vs $ENVA | Chartloom

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$CACC vs $ENVA

Credit Acceptance Corp · Enova International Inc

CACC

Credit Acceptance Corp

ENVA

Enova International Inc

Compare $CACC vs $ENVA

Comparing Credit Acceptance Corp and Enova International Inc

CACCCredit Acceptance Corp

ENVAEnova International Inc

CACCCredit Acceptance Corp

Market cap

$5.73B

P/E (TTM)

11.71x

Forward P/E (NTM)

10.43x

Forward P/S (NTM)

2.31x

Rev growth (TTM)

2.6%

YTD performance

20.6%

52W performance

6.7%

FCF yield

21.3%

ENVAEnova International Inc

Market cap

$4.43B

P/E (TTM)

13.16x

Forward P/E (NTM)

9.08x

Forward P/S (NTM)

1.02x

Rev growth (TTM)

22.5%

YTD performance

9.9%

52W performance

64.6%

FCF yield

44.0%

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Relative performance

Each ticker starts at 100. 110 means +10% from the start of this window — not a $110 share price.

CACC

ENVA

Detailed metrics comparison

CACC

Credit Acceptance Corp

ENVA

Enova International Inc

Market Cap

CACC$5.73B

ENVA$4.43B

Enterprise Value

CACC$12.01B

ENVA$9.33B

Price

CACC$547.60

ENVA$178.07

P/E Ratio

CACC11.71x

ENVA13.16x

P/S Ratio

CACC2.46x

ENVA2.15x

EV/Sales

CACC5.16x

ENVA4.53x

EV/EBITDA

CACC10.26x

ENVA10.76x

P/B Ratio

CACC3.45x

ENVA2.88x

P/FCF Ratio

CACC4.69x

ENVA2.27x

EV/FCF

CACC9.84x

ENVA4.78x

PEG Ratio

CACC0.36x

ENVA0.29x

Forward P/E (NTM)

CACC10.43x

ENVA9.08x

Forward P/S (NTM)

CACC2.31x

ENVA1.02x

Revenue (TTM)

CACC$2.33B

ENVA$2.06B

Revenue Growth (YoY)

CACC2.6%

ENVA22.5%

Forward Rev Growth

CACC6.7%

ENVA18.4%

Gross Margin (TTM)

CACC0.0%

ENVA100.0%

Operating Margin (TTM)

CACC47.0%

ENVA40.2%

EBITDA Margin (TTM)

CACC50.2%

ENVA42.1%

Net Margin (TTM)

CACC21.5%

ENVA17.3%

FCF Margin (TTM)

CACC52.4%

ENVA94.8%

Net Income (TTM)

CACC$502M

ENVA$355M

FCF (TTM)

CACC$1.22B

ENVA$1.95B

EPS (TTM)

CACC$46.75

ENVA$13.53

ROE (TTM)

CACC32.4%

ENVA25.8%

ROA (TTM)

CACC5.8%

ENVA5.4%

ROIC (TTM)

CACC6.3%

ENVA5.9%

Cash

CACC$1M

ENVA$122M

Debt

CACC$6.29B

ENVA$5.01B

Net Cash/Debt

CACC$-6.28B

ENVA$-4.89B

Current Ratio (TTM)

CACC0.01x

ENVA20.16x

Quick Ratio (TTM)

CACC0.01x

ENVA20.16x

Debt/Equity (TTM)

CACC3.96x

ENVA3.35x

Debt/Assets (TTM)

CACC0.0%

ENVA0.0%

Interest Coverage (TTM)

CACCN/A

ENVAN/A

Net Debt/EBITDA (TTM)

CACC0.00x

ENVA0.00x

Beta

CACC1.45

ENVA1.40

52W Performance

CACC6.7%

ENVA64.6%

YTD Performance

CACC20.6%

ENVA9.9%

% from 52W High

CACC-18.1%

ENVA-33.4%

% from 52W Low

CACC36.3%

ENVA72.8%

Asset Turnover (TTM)

CACC0.27x

ENVA0.31x

FCF Yield (TTM)

CACC21.3%

ENVA44.0%

Earnings Yield (TTM)

CACC8.8%

ENVA8.0%

Dividend Yield (TTM)

CACCN/A

ENVAN/A

Rule of 40

CACC55.0

ENVA117.3

EV/GP/RG

CACCN/A

ENVA0.04

Ticker research

View CACC research View ENVA research

Metric	CACC Credit Acceptance Corp	ENVA Enova International Inc
Market & Valuation
Market Cap	$5.73B	$4.43B
Enterprise Value	$12.01B	$9.33B
Price	$547.60	$178.07
P/E Ratio	11.71x	13.16x
P/S Ratio	2.46x	2.15x
EV/Sales	5.16x	4.53x
EV/EBITDA	10.26x	10.76x
P/B Ratio	3.45x	2.88x
P/FCF Ratio	4.69x	2.27x
EV/FCF	9.84x	4.78x
PEG Ratio	0.36x	0.29x
Forward P/E (NTM)	10.43x	9.08x
Forward P/S (NTM)	2.31x	1.02x
Revenue & Growth
Revenue (TTM)	$2.33B	$2.06B
Revenue Growth (YoY)	2.6%	22.5%
Forward Rev Growth	6.7%	18.4%
Profitability
Gross Margin (TTM)	0.0%	100.0%
Operating Margin (TTM)	47.0%	40.2%
EBITDA Margin (TTM)	50.2%	42.1%
Net Margin (TTM)	21.5%	17.3%
FCF Margin (TTM)	52.4%	94.8%
Net Income (TTM)	$502M	$355M
FCF (TTM)	$1.22B	$1.95B
EPS (TTM)	$46.75	$13.53
ROE (TTM)	32.4%	25.8%
ROA (TTM)	5.8%	5.4%
ROIC (TTM)	6.3%	5.9%
Financial Health
Cash	$1M	$122M
Debt	$6.29B	$5.01B
Net Cash/Debt	$-6.28B	$-4.89B
Current Ratio (TTM)	0.01x	20.16x
Quick Ratio (TTM)	0.01x	20.16x
Debt/Equity (TTM)	3.96x	3.35x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.45	1.40
52W Performance	6.7%	64.6%
YTD Performance	20.6%	9.9%
% from 52W High	-18.1%	-33.4%
% from 52W Low	36.3%	72.8%
Efficiency & Yields
Asset Turnover (TTM)	0.27x	0.31x
FCF Yield (TTM)	21.3%	44.0%
Earnings Yield (TTM)	8.8%	8.0%
Dividend Yield (TTM)	N/A	N/A
Other
Rule of 40	55.0	117.3
EV/GP/RG	N/A	0.04
Ticker research	View CACC research	View ENVA research

Valuation

P/E Ratio

CACC

11.71x

ENVA

13.16x

P/S Ratio

ENVA

2.15x

CACC

2.46x

EV/FCF

ENVA

4.78x

CACC

9.84x

Growth & revenue

Revenue Growth TTM

ENVA

22.5%

CACC

2.6%

Forward Revenue Growth

ENVA

18.4%

CACC

6.7%

Profitability & performance

Gross Margin

ENVA

100.0%

CACC

0.0%

ROE

CACC

32.4%

ENVA

25.8%

FCF Yield %

ENVA

44.0%

CACC

21.3%

52-Week Performance

ENVA

64.6%

CACC

6.7%

Detailed metrics comparison

CACC

Credit Acceptance Corp

ENVA

Enova International Inc

Market Cap

CACC$5.73B

ENVA$4.43B

Enterprise Value

CACC$12.01B

ENVA$9.33B

Price

CACC$547.60

ENVA$178.07

P/E Ratio

CACC11.71x

ENVA13.16x

P/S Ratio

CACC2.46x

ENVA2.15x

EV/Sales

CACC5.16x

ENVA4.53x

EV/EBITDA

CACC10.26x

ENVA10.76x

P/B Ratio

CACC3.45x

ENVA2.88x

P/FCF Ratio

CACC4.69x

ENVA2.27x

EV/FCF

CACC9.84x

ENVA4.78x

PEG Ratio

CACC0.36x

ENVA0.29x

Forward P/E (NTM)

CACC10.43x

ENVA9.08x

Forward P/S (NTM)

CACC2.31x

ENVA1.02x

Revenue (TTM)

CACC$2.33B

ENVA$2.06B

Revenue Growth (YoY)

CACC2.6%

ENVA22.5%

Forward Rev Growth

CACC6.7%

ENVA18.4%

Gross Margin (TTM)

CACC0.0%

ENVA100.0%

Operating Margin (TTM)

CACC47.0%

ENVA40.2%

EBITDA Margin (TTM)

CACC50.2%

ENVA42.1%

Net Margin (TTM)

CACC21.5%

ENVA17.3%

FCF Margin (TTM)

CACC52.4%

ENVA94.8%

Net Income (TTM)

CACC$502M

ENVA$355M

FCF (TTM)

CACC$1.22B

ENVA$1.95B

EPS (TTM)

CACC$46.75

ENVA$13.53

ROE (TTM)

CACC32.4%

ENVA25.8%

ROA (TTM)

CACC5.8%

ENVA5.4%

ROIC (TTM)

CACC6.3%

ENVA5.9%

Cash

CACC$1M

ENVA$122M

Debt

CACC$6.29B

ENVA$5.01B

Net Cash/Debt

CACC$-6.28B

ENVA$-4.89B

Current Ratio (TTM)

CACC0.01x

ENVA20.16x

Quick Ratio (TTM)

CACC0.01x

ENVA20.16x

Debt/Equity (TTM)

CACC3.96x

ENVA3.35x

Debt/Assets (TTM)

CACC0.0%

ENVA0.0%

Interest Coverage (TTM)

CACCN/A

ENVAN/A

Net Debt/EBITDA (TTM)

CACC0.00x

ENVA0.00x

Beta

CACC1.45

ENVA1.40

52W Performance

CACC6.7%

ENVA64.6%

YTD Performance

CACC20.6%

ENVA9.9%

% from 52W High

CACC-18.1%

ENVA-33.4%

% from 52W Low

CACC36.3%

ENVA72.8%

Asset Turnover (TTM)

CACC0.27x

ENVA0.31x

FCF Yield (TTM)

CACC21.3%

ENVA44.0%

Earnings Yield (TTM)

CACC8.8%

ENVA8.0%

Dividend Yield (TTM)

CACCN/A

ENVAN/A

Rule of 40

CACC55.0

ENVA117.3

EV/GP/RG

CACCN/A

ENVA0.04

Ticker research

View CACC research View ENVA research

Metric	CACC Credit Acceptance Corp	ENVA Enova International Inc
Market & Valuation
Market Cap	$5.73B	$4.43B
Enterprise Value	$12.01B	$9.33B
Price	$547.60	$178.07
P/E Ratio	11.71x	13.16x
P/S Ratio	2.46x	2.15x
EV/Sales	5.16x	4.53x
EV/EBITDA	10.26x	10.76x
P/B Ratio	3.45x	2.88x
P/FCF Ratio	4.69x	2.27x
EV/FCF	9.84x	4.78x
PEG Ratio	0.36x	0.29x
Forward P/E (NTM)	10.43x	9.08x
Forward P/S (NTM)	2.31x	1.02x
Revenue & Growth
Revenue (TTM)	$2.33B	$2.06B
Revenue Growth (YoY)	2.6%	22.5%
Forward Rev Growth	6.7%	18.4%
Profitability
Gross Margin (TTM)	0.0%	100.0%
Operating Margin (TTM)	47.0%	40.2%
EBITDA Margin (TTM)	50.2%	42.1%
Net Margin (TTM)	21.5%	17.3%
FCF Margin (TTM)	52.4%	94.8%
Net Income (TTM)	$502M	$355M
FCF (TTM)	$1.22B	$1.95B
EPS (TTM)	$46.75	$13.53
ROE (TTM)	32.4%	25.8%
ROA (TTM)	5.8%	5.4%
ROIC (TTM)	6.3%	5.9%
Financial Health
Cash	$1M	$122M
Debt	$6.29B	$5.01B
Net Cash/Debt	$-6.28B	$-4.89B
Current Ratio (TTM)	0.01x	20.16x
Quick Ratio (TTM)	0.01x	20.16x
Debt/Equity (TTM)	3.96x	3.35x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.45	1.40
52W Performance	6.7%	64.6%
YTD Performance	20.6%	9.9%
% from 52W High	-18.1%	-33.4%
% from 52W Low	36.3%	72.8%
Efficiency & Yields
Asset Turnover (TTM)	0.27x	0.31x
FCF Yield (TTM)	21.3%	44.0%
Earnings Yield (TTM)	8.8%	8.0%
Dividend Yield (TTM)	N/A	N/A
Other
Rule of 40	55.0	117.3
EV/GP/RG	N/A	0.04
Ticker research	View CACC research	View ENVA research