Analyzing Credit Acceptance (NASDAQ:CACC) & Navient Co. SR NT 6% 121543 (NASDAQ:JSM)

Navient Co. SR NT 6% 121543 (NASDAQ:JSM) and Credit Acceptance (NASDAQ:CACC) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, institutional ownership, risk, analyst recommendations, valuation, dividends and profitability.

Institutional and Insider Ownership

81.7% of Credit Acceptance shares are held by institutional investors. 6.1% of Credit Acceptance shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Analyst Ratings

This is a summary of current ratings and price targets for Navient Co. SR NT 6% 121543 and Credit Acceptance, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Navient Co. SR NT 6% 121543	0	0	0	0	0.00
Credit Acceptance	0	3	1	0	2.25

Credit Acceptance has a consensus target price of $570.00, suggesting a potential downside of 5.17%. Given Credit Acceptance’s stronger consensus rating and higher possible upside, analysts clearly believe Credit Acceptance is more favorable than Navient Co. SR NT 6% 121543.

Profitability

This table compares Navient Co. SR NT 6% 121543 and Credit Acceptance’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Navient Co. SR NT 6% 121543	N/A	N/A	N/A
Credit Acceptance	21.54%	31.67%	5.68%

Valuation & Earnings

This table compares Navient Co. SR NT 6% 121543 and Credit Acceptance”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Navient Co. SR NT 6% 121543	N/A	N/A	N/A	N/A	N/A
Credit Acceptance	$2.32 billion	2.71	$423.90 million	$45.48	13.22

Credit Acceptance has higher revenue and earnings than Navient Co. SR NT 6% 121543.

Summary

Credit Acceptance beats Navient Co. SR NT 6% 121543 on 9 of the 9 factors compared between the two stocks.

About Navient Co. SR NT 6% 121543

as the nation’s leading loan management, servicing and asset recovery company, navient (nasdaq:navi) helps customers navigate the path to financial success. servicing more than $300 billion in student loans, the company supports the educational and economic achievements of more than 12 million americans. a growing number of government and higher education clients rely on navient for proven solutions to meet their financial goals. learn more at navient.com.

About Credit Acceptance

Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. The company advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. It is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. The company serves independent and franchised automobile dealers. Credit Acceptance Corporation was incorporated in 1972 and is headquartered in Southfield, Michigan.