Credit Acceptance vs Qfin Holdings
Qfin Holdings is the larger business, with $2.67bn of revenue in fiscal 2025 against $2.32bn for Credit Acceptance (1.2 times as much). Qfin Holdings grew faster (12.0% against 7.2%). Qfin Holdings kept more of each dollar of sales as profit: a net margin of 31.2% against 18.3%.
| Latest fiscal year | Credit AcceptanceCACC, 2025 | Qfin HoldingsQFIN, 2025 |
|---|---|---|
| Revenue | $2.32bn | $2.67bn |
| Revenue growth | 7.2% | 12.0% |
| Net income | $424m | $833m |
| Operating margin | — | — |
| Net margin | 18.3% | 31.2% |
| Return on equity | 25.9% | 24.6% |
| Free cash flow | $1.05bn | $1.51bn |
| Cash | $22.8m | $672m |
| Total debt | $6.39bn | $372m |
| Debt to equity | 419.3% | — |
| Dividend per share | — | — |
| Dividend yield | — | 29.4% |
| Share buybacks | $725m | $675m |
| Employees | 2,314 | — |
| Market value | $4.93bn | $639m |
| Price vs our value range | — | — |
| Moat score | 75 (Strong) | — |
| Insider trades, 12 months | 0 buys, 235 sales | 2 buys, 3 sales |