COMP <GO>
CACC vs BAC // FREE CASH FLOW YIELD
Credit Acceptance Corporation (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: CACC 6
— BAC 7
▲ FREE CASH FLOW YIELD LEADER: CACC
LAST: $464.89 (-19.26%) • MKT CAP: $5.98B
fcf-yield
17.62%
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
fcf-yield
2.10%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CACC VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CACC | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 0.00% | 2.50% | -2.50 | BAC | /roic <GO> |
| EV/EBITDA & P/E Valuation | 95.0x | 30.2x | +64.80 | BAC | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 17.62% | 2.10% | +15.52 | CACC | /fcf-yield <GO> |
| Operating Margin | 0.00% | 32.90% | -32.90 | BAC | /operating-margins <GO> |
| Net Profit Margin | 0.00% | 27.00% | -27.00 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 7.20% | 6.80% | +0.40 | CACC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 1.09 | 0.45 | +0.64 | CACC | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | CACC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.00% | 6.60% | +0.40 | BAC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 31.7 | 27.7 | +3.99 | CACC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.02 | 0.90 | +0.12 | CACC | /macro-sensitivity <GO> |
| Forward P/E Multiple | 140.0x | 10.9x | +129.10 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $5.98B | $357.61B | -$351.63B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CACC REV | BAC REV | CACC GROSS % | BAC GROSS % | CACC FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.32B | $113.10B | 44.0% | 44.0% | $1.05B | $7.52B |
| FY 2024 | $2.16B | $105.86B | 44.0% | 44.0% | $1.14B | -$13.57B |
| FY 2023 | $1.90B | $102.77B | 44.0% | 44.0% | $1.12B | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CACC // BETA 1.02
BAC // BETA 0.90