CACC vs. PRAA
CACC (Credit Acceptance Corporation) and PRAA (PRA Group, Inc.) are both stocks. Both operate in the Credit Services industry within the Financial Services sector. Over the past 10 years, CACC returned 12.49%/yr vs -4.02%/yr for PRAA. At a 0.34 correlation, their price movements are largely independent.
Performance
CACC vs. PRAA - Performance Comparison
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Returns By Period
In the year-to-date period, CACC achieves a 43.77% return, which is significantly higher than PRAA's 4.07% return. Over the past 10 years, CACC has outperformed PRAA with an annualized return of 12.49%, while PRAA has yielded a comparatively lower -4.02% annualized return.
CACC
- 1D
- 3.45%
- 1M
- 11.05%
- 6M
- 34.65%
- YTD
- 43.77%
- 1Y
- 27.03%
- 3Y*
- 4.82%
- 5Y*
- 6.95%
- 10Y*
- 12.49%
PRAA
- 1D
- 2.11%
- 1M
- 17.64%
- 6M
- 11.24%
- YTD
- 4.07%
- 1Y
- 18.54%
- 3Y*
- -7.51%
- 5Y*
- -13.34%
- 10Y*
- -4.02%
CACC vs. PRAA - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CACC Credit Acceptance Corporation | 43.77% | -5.54% | -11.88% | 12.30% | -31.01% | 98.67% | -21.75% | 15.87% | 18.02% | 48.72% |
PRAA PRA Group, Inc. | 4.07% | -15.32% | -20.27% | -22.44% | -32.72% | 26.60% | 9.26% | 48.95% | -26.60% | -15.09% |
Correlation
The correlation between CACC and PRAA is 0.41, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.41 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.46 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.41 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.41 |
Correlation (All Time) Calculated using the full available price history since Nov 8, 2002 | 0.34 |
The correlation between CACC and PRAA shifts across timeframes, from 0.34 (all time) to 0.46 (3 years), reflecting how their relationship changes across market environments.
Fundamentals
CACC:
$6.67B
PRAA:
$702.17M
CACC:
$40.57
PRAA:
-$7.21
CACC:
3.08
PRAA:
0.56
CACC:
4.61
PRAA:
0.71
CACC:
$2.31B
PRAA:
$1.28B
CACC:
$1.28B
PRAA:
$1.31B
CACC:
$543.60M
PRAA:
-$47.90M
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Return for Risk
CACC vs. PRAA — Risk / Return Rank
CACC
PRAA
CACC vs. PRAA - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Credit Acceptance Corporation (CACC) and PRA Group, Inc. (PRAA). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| CACC | PRAA | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.35 | ||
| Sortino ratioReturn per unit of downside risk | +0.23 | ||
| Omega ratioGain probability vs. loss probability | 1.15 | 1.12 | +0.03 |
| Calmar ratioReturn relative to maximum drawdown | 1.18 | 0.44 | +0.74 |
| Martin ratioReturn relative to average drawdown | 2.54 | 1.06 | +1.47 |
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Drawdowns
CACC vs. PRAA - Drawdown Comparison
The maximum CACC drawdown since its inception was -90.00%, which is greater than PRAA's maximum drawdown of -83.83%. Use the drawdown chart below to compare losses from any high point for CACC and PRAA.
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Drawdown Indicators
| CACC | PRAA | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -90.00% | -83.83% | -6.17% |
Max Drawdown (1Y)Largest decline over 1 year | -22.95% | -42.34% | +19.39% |
Max Drawdown (3Y)Largest decline over 3 years | -32.74% | -62.79% | +30.05% |
Max Drawdown (5Y)Largest decline over 5 years | -45.68% | -79.35% | +33.67% |
Max Drawdown (10Y)Largest decline over 10 years | -56.93% | -79.35% | +22.42% |
Current DrawdownCurrent decline from peak | -8.43% | -71.44% | +63.01% |
Average DrawdownAverage peak-to-trough decline | -30.66% | -32.45% | +1.79% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 10.69% | 17.53% | -6.84% |
Volatility
CACC vs. PRAA - Volatility Comparison
The current volatility for Credit Acceptance Corporation (CACC) is 8.14%, while PRA Group, Inc. (PRAA) has a volatility of 15.71%. This indicates that CACC experiences smaller price fluctuations and is considered to be less risky than PRAA based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CACC | PRAA | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.14% | 15.71% | -7.57% |
Volatility (6M)Calculated over the trailing 6-month period | 29.10% | 49.65% | -20.55% |
Volatility (1Y)Calculated over the trailing 1-year period | 40.58% | 58.40% | -17.82% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 41.49% | 50.11% | -8.62% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 41.16% | 46.66% | -5.50% |
Dividends
CACC vs. PRAA - Dividend Comparison
Neither CACC nor PRAA has paid dividends to shareholders.
Financials
CACC vs. PRAA - Financials Comparison
This section allows you to compare key financial metrics between Credit Acceptance Corporation and PRA Group, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
CACC vs. PRAA - Profitability Comparison
CACC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, Credit Acceptance Corporation reported a gross profit of 0.00 and revenue of 580.00M. Therefore, the gross margin over that period was 0.0%.
PRAA - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, PRA Group, Inc. reported a gross profit of 243.80M and revenue of 314.53M. Therefore, the gross margin over that period was 77.5%.
CACC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, Credit Acceptance Corporation reported an operating income of 0.00 and revenue of 580.00M, resulting in an operating margin of 0.0%.
PRAA - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, PRA Group, Inc. reported an operating income of 103.25M and revenue of 314.53M, resulting in an operating margin of 32.8%.
CACC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, Credit Acceptance Corporation reported a net income of 135.80M and revenue of 580.00M, resulting in a net margin of 23.4%.
PRAA - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, PRA Group, Inc. reported a net income of 28.21M and revenue of 314.53M, resulting in a net margin of 9.0%.
Frequently Asked Questions
CACC and PRAA have a correlation of 0.41, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
PRAA has higher volatility (15.71%) compared to CACC (8.14%). In terms of maximum drawdown, CACC dropped -90.00% vs PRAA's -83.83%.
CACC currently has the higher Sharpe Ratio (0.67 vs 0.32), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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