Atlanticus Holdings vs Credit Acceptance
Credit Acceptance is the larger business, with $2.32bn of revenue in fiscal 2025 against $1.97bn for Atlanticus Holdings (1.2 times as much). Atlanticus Holdings grew faster (50.1% against 7.2%). Credit Acceptance kept more of each dollar of sales as profit: a net margin of 18.3% against 6.2%.
| Latest fiscal year | Atlanticus HoldingsATLC, 2025 | Credit AcceptanceCACC, 2025 |
|---|---|---|
| Revenue | $1.97bn | $2.32bn |
| Revenue growth | 50.1% | 7.2% |
| Net income | $122m | $424m |
| Operating margin | — | — |
| Net margin | 6.2% | 18.3% |
| Return on equity | 22.2% | 25.9% |
| Free cash flow | $638m | $1.05bn |
| Cash | $621m | $22.8m |
| Total debt | $5.3m | $6.39bn |
| Debt to equity | — | 419.3% |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | $69.6m | $725m |
| Employees | 576 | 2,314 |
| Market value | $1.40bn | $4.93bn |
| Price vs our value range | — | — |
| Moat score | 52 (Moderate) | 75 (Strong) |
| Insider trades, 12 months | 0 buys, 12 sales | 0 buys, 235 sales |