Credit Acceptance vs Prog Holdings
Credit Acceptance and Prog Holdings are similar in size: $2.32bn and $2.41bn of revenue in their latest fiscal years. Credit Acceptance grew faster (7.2% against 0.4%). Credit Acceptance kept more of each dollar of sales as profit: a net margin of 18.3% against 6.1%.
| Latest fiscal year | Credit AcceptanceCACC, 2025 | Prog HoldingsPRG, 2025 |
|---|---|---|
| Revenue | $2.32bn | $2.41bn |
| Revenue growth | 7.2% | 0.4% |
| Net income | $424m | $147m |
| Operating margin | — | — |
| Net margin | 18.3% | 6.1% |
| Return on equity | 25.9% | 21.0% |
| Free cash flow | $1.05bn | $325m |
| Cash | $22.8m | $309m |
| Total debt | $6.39bn | $600m |
| Debt to equity | 419.3% | — |
| Dividend per share | — | $0.52 |
| Dividend yield | — | 1.4% |
| Share buybacks | $725m | $51.8m |
| Employees | 2,314 | — |
| Market value | $4.93bn | $1.49bn |
| Price vs our value range | — | Below our value range |
| Moat score | 75 (Strong) | 66 (Moderate) |
| Insider trades, 12 months | 0 buys, 235 sales | 0 buys, 3 sales |