Credit Acceptance Corporation (CACC) vs RLI Corp. (RLI)
A side-by-side comparison of Credit Acceptance Corporation and RLI Corp. 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.
Total return — CACC vs RLI
growth of $100 · dividends reinvested · last 10yCACC vs RLI: by the numbers
- •CACC is the larger company ($5.61B vs $5.14B market cap).
- •RLI converts more revenue to profit (22.22% vs 21.60% net margin).
- •RLI grew revenue faster over the past five years (11.29% vs 5.31% CAGR).
- •RLI pays a dividend (4.46% yield), while CACC has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | CACC | RLI |
|---|---|---|
| P/E ratio | 11.80 | 11.77 |
| Forward P/E | 11.06 | 19.55 |
| PEG ratio | 1.20 | 0.58 |
| P/S ratio | 2.42 | 2.60 |
| P/B ratio | 3.53 | 2.94 |
Profitability
| Metric | CACC | RLI |
|---|---|---|
| Operating margin | 43.42% | 28.42% |
| Net margin | 21.60% | 22.22% |
| ROE | 31.59% | 25.04% |
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.
RLI Corp.: 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 | CACC | RLI |
|---|---|---|
| Dividend yield | N/A | 4.46% |
| Payout ratio | N/A | 52.52% |
Growth (annualized)
| Metric | CACC | RLI |
|---|---|---|
| Revenue CAGR (5Y) | 5.31% | 11.29% |
| EPS CAGR (5Y) | 10.17% | 20.14% |
| Total return CAGR (5Y) | -2.87% | 4.71% |
Frequently asked
- Which has the lower trailing P/E, CACC or RLI?
- RLI has the lower trailing P/E: CACC trades at 11.80 and RLI at 11.77. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CACC or RLI?
- Over the past five years, RLI grew revenue faster — CACC at a 5.31% CAGR versus RLI at 11.29%.
- Does CACC or RLI pay a bigger dividend?
- RLI pays a dividend (4.46% yield), while CACC has no payments in the available dividend history.
- Is CACC or RLI more profitable?
- RLI runs the higher net margin — CACC at 21.60% versus RLI at 22.22%.
- How have CACC and RLI total returns compared?
- Over the past 10 years, CACC delivered 10.68% and RLI delivered 8.06% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Credit Acceptance & RLI appear in these rankings
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.