Credit Acceptance vs Green DOT
Credit Acceptance and Green DOT are similar in size: $2.32bn and $2.08bn of revenue in their latest fiscal years. Green DOT grew faster (20.7% against 7.2%). Credit Acceptance kept more of each dollar of sales as profit: a net margin of 18.3% against -4.8%.
| Latest fiscal year | Credit AcceptanceCACC, 2025 | Green DOTGDOT, 2025 |
|---|---|---|
| Revenue | $2.32bn | $2.08bn |
| Revenue growth | 7.2% | 20.7% |
| Net income | $424m | −$98.9m |
| Operating margin | — | — |
| Net margin | 18.3% | -4.8% |
| Return on equity | 25.9% | -11.2% |
| Free cash flow | $1.05bn | $66.0m |
| Cash | $22.8m | $1.42bn |
| Total debt | $6.39bn | $63.5m |
| Debt to equity | 419.3% | — |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | $725m | — |
| Employees | 2,314 | 900 |
| Market value | $4.93bn | $710m |
| Price vs our value range | — | — |
| Moat score | 75 (Strong) | 32 (Weak) |
| Insider trades, 12 months | 0 buys, 235 sales | 0 buys, 2 sales |