Which has the lower trailing P/E, ACT or CACC?

ACT has the lower trailing P/E: ACT trades at 9.66 and CACC at 11.68. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, ACT or CACC?

Over the past five years, CACC grew revenue faster — ACT at a 1.96% CAGR versus CACC at 5.31%.

Does ACT or CACC pay a bigger dividend?

ACT pays a dividend (1.96% yield), while CACC has no payments in the available dividend history.

Is ACT or CACC more profitable?

ACT runs the higher net margin — ACT at 54.56% versus CACC at 21.60%.

How have ACT and CACC total returns compared?

Over the past 5 years, ACT delivered 22.54% and CACC delivered -2.87% annualized total return. Past performance doesn't predict future results.

Enact Holdings Inc. (ACT) vs Credit Acceptance Corporation (CACC)

A side-by-side comparison of Enact Holdings Inc. and Credit Acceptance Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

ACT

Enact Holdings Inc.

$6.40B

$45.87Financial ServicesDelayed quote: Oct 5, 2026, 4:00 PM EDT

CACC

Credit Acceptance Corporation

$5.56B

$531.35Financial ServicesDelayed quote: Oct 5, 2026, 4:00 PM EDT

Total return — ACT vs CACC

growth of $100 · dividends reinvested · last 5y

ACT +180.9% (+22.9%/yr)CACC -18.3% (-4.0%/yr)ACT compounded faster over this window

ACT CACC

ACT vs CACC: by the numbers

•ACT is the larger company ($6.40B vs $5.56B market cap).
•ACT trades at the lower trailing earnings multiple (9.66 vs 11.68 P/E), one valuation lens rather than an overall verdict.
•ACT converts more revenue to profit (54.56% vs 21.60% net margin).
•CACC grew revenue faster over the past five years (5.31% vs 1.96% CAGR).
•ACT pays a dividend (1.96% yield), while CACC has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	ACT	CACC
P/E ratio	9.66	11.68
Forward P/E	9.55	10.95
PEG ratio	0.65	1.18
P/S ratio	5.11	2.39
P/B ratio	1.19	3.50
EV / EBITDA	7.70	N/A
FCF yield	11.26%	N/A

Profitability

Metric	ACT	CACC
Gross margin	85.87%	N/A
Operating margin	69.17%	43.42%
Net margin	54.56%	21.60%
ROE	12.66%	31.59%
ROIC	9.94%	N/A

Credit Acceptance Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	ACT	CACC
Dividend yield	1.96%	N/A
Payout ratio	18.95%	N/A

Growth (annualized)

Metric	ACT	CACC
Revenue CAGR (5Y)	1.96%	5.31%
EPS CAGR (5Y)	14.87%	10.17%
FCF CAGR (5Y)	2.98%	N/A
Total return CAGR (5Y)	22.54%	-2.87%

Frequently asked

Which has the lower trailing P/E, ACT or CACC?: ACT has the lower trailing P/E: ACT trades at 9.66 and CACC at 11.68. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, ACT or CACC?: Over the past five years, CACC grew revenue faster — ACT at a 1.96% CAGR versus CACC at 5.31%.
Does ACT or CACC pay a bigger dividend?: ACT pays a dividend (1.96% yield), while CACC has no payments in the available dividend history.
Is ACT or CACC more profitable?: ACT runs the higher net margin — ACT at 54.56% versus CACC at 21.60%.
How have ACT and CACC total returns compared?: Over the past 5 years, ACT delivered 22.54% and CACC delivered -2.87% annualized total return. Past performance doesn't predict future results.

Go deeper

Full ACT analysis Full CACC analysis Interactive comparison tool

Dig into the metrics

Enact P/E ratio Credit Acceptance P/E ratio Enact dividend yield Enact ROE Credit Acceptance ROE Enact operating margin Credit Acceptance operating margin Enact revenue growth Credit Acceptance revenue growth Enact free cash flow

Enact & Credit Acceptance appear in these rankings

Highest ROE Stocks Highest Operating Margin Stocks Highest FCF Yield Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.