COMP <GO>
CACC vs NNI // FORWARD P/E MULTIPLE
Credit Acceptance Corporation (NASDAQ) VS. Nelnet Inc. (NYSE) • 15-METRIC TALLY: CACC 3
— NNI 3
■ METRIC PARITY
LAST: $484.76 (+4.27%) • MKT CAP: $4.71B
forward-pe
—
LAST: $124.27 (+1.47%) • MKT CAP: $4.38B
forward-pe
9.6x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CACC VS. NNI)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CACC | NNI | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 0.00% | 11.60% | -11.60 | NNI | /roic <GO> |
| EV/EBITDA & P/E Valuation | 95.0x | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 17.62% | 8.98% | +8.64 | CACC | /fcf-yield <GO> |
| Operating Margin | 0.00% | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 0.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 7.20% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.97% | -0.97 | NNI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 4/9 | +4.00 | CACC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 39.3 | 42.2 | -2.90 | NNI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.02 | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple ACTIVE | — | 9.6x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.71B | $4.38B | $330.9M | CACC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CACC REV | NNI REV | CACC GROSS % | NNI GROSS % | CACC FCF | NNI FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.32B | $5.91B | — | — | $1.05B | $396.7M |
| FY 2024 | $2.16B | $5.79B | — | — | $1.14B | $642.0M |
| FY 2023 | $1.90B | $1.64B | — | — | $1.12B | $432.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CACC // BETA 1.02
NNI // BETA —