CACC vs. TQQQ

Last updated Jun 26, 2026

CACC (Credit Acceptance Corporation) is a stock, while TQQQ (ProShares UltraPro QQQ) is Leveraged Equities fund tracking the NASDAQ-100 Index (300%). Over the past 10 years, CACC returned 13.88%/yr vs 46.45%/yr for TQQQ. At a 0.42 correlation, their price movements are largely independent.

Performance

CACC vs. TQQQ - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Credit Acceptance Corporation (CACC) and ProShares UltraPro QQQ (TQQQ). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

The year-to-date returns for both investments are quite close, with CACC having a 40.64% return and TQQQ slightly higher at 42.40%. Over the past 10 years, CACC has underperformed TQQQ with an annualized return of 13.88%, while TQQQ has yielded a comparatively higher 46.45% annualized return.

CACC

• 1D: 3.58%
• 1M: 12.99%
• YTD: 40.64%
• 6M: 36.38%
• 1Y: 22.48%
• 3Y*: 8.52%
• 5Y*: 6.75%
• 10Y*: 13.88%

TQQQ

• 1D: 2.25%
• 1M: -8.54%
• YTD: 42.40%
• 6M: 35.61%
• 1Y: 91.80%
• 3Y*: 60.52%
• 5Y*: 21.71%
• 10Y*: 46.45%

*Multi-year figures are annualized to reflect compound growth (CAGR)

CACC vs. TQQQ - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
CACC Credit Acceptance Corporation	40.64%	-5.54%	-11.88%	12.30%	-31.01%	98.67%	-21.75%	15.87%	18.02%	48.72%
TQQQ ProShares UltraPro QQQ	42.40%	34.35%	58.27%	198.04%	-79.09%	82.98%	110.05%	133.84%	-19.79%	118.06%

Correlation

The correlation between CACC and TQQQ is 0.37, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.37
Correlation (3Y) Calculated over the trailing 3-year period	0.41
Correlation (5Y) Calculated over the trailing 5-year period	0.46
Correlation (10Y) Calculated over the trailing 10-year period	0.40
Correlation (All Time) Calculated using the full available price history since Feb 11, 2010	0.42

Return for Risk

CACC vs. TQQQ — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

CACC

CACC Risk / Return Rank: 60
CACC Sharpe Ratio Rank: 62
CACC Sortino Ratio Rank: 56
CACC Omega Ratio Rank: 56
CACC Calmar Ratio Rank: 63
CACC Martin Ratio Rank: 62

TQQQ

TQQQ Risk / Return Rank: 55
TQQQ Sharpe Ratio Rank: 60
TQQQ Sortino Ratio Rank: 50
TQQQ Omega Ratio Rank: 52
TQQQ Calmar Ratio Rank: 59
TQQQ Martin Ratio Rank: 53

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

CACC vs. TQQQ - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Credit Acceptance Corporation (CACC) and ProShares UltraPro QQQ (TQQQ). 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	TQQQ	Difference
Sharpe ratio: Return per unit of total volatility	0.55	1.73	-1.18
Sortino ratio: Return per unit of downside risk	0.98	2.15	-1.17
Omega ratio: Gain probability vs. loss probability	1.13	1.29	-0.16
Calmar ratio: Return relative to maximum drawdown	0.93	2.50	-1.57
Martin ratio: Return relative to average drawdown	1.88	7.89	-6.02

CACC vs. TQQQ - Sharpe Ratio Comparison

The current CACC Sharpe Ratio is 0.55, which is lower than the TQQQ Sharpe Ratio of 1.73. The chart below compares the historical Sharpe Ratios of CACC and TQQQ, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

CACC vs. TQQQ - Drawdown Comparison

The maximum CACC drawdown since its inception was -90.00%, which is greater than TQQQ's maximum drawdown of -81.66%. Use the drawdown chart below to compare losses from any high point for CACC and TQQQ.

Drawdown Indicators

	CACC	TQQQ	Difference
Max Drawdown Largest peak-to-trough decline	-90.00%	-81.66%	-8.34%
Max Drawdown (1Y) Largest decline over 1 year	-24.41%	-36.97%	+12.56%
Max Drawdown (3Y) Largest decline over 3 years	-32.74%	-58.04%	+25.30%
Max Drawdown (5Y) Largest decline over 5 years	-45.68%	-81.66%	+35.98%
Max Drawdown (10Y) Largest decline over 10 years	-56.93%	-81.66%	+24.73%
Current Drawdown Current decline from peak	-10.42%	-14.07%	+3.65%
Average Drawdown Average peak-to-trough decline	-30.69%	-18.49%	-12.20%
Ulcer Index Depth and duration of drawdowns from previous peaks	12.01%	11.67%	+0.34%

Volatility

CACC vs. TQQQ - Volatility Comparison

The current volatility for Credit Acceptance Corporation (CACC) is 9.76%, while ProShares UltraPro QQQ (TQQQ) has a volatility of 26.81%. This indicates that CACC experiences smaller price fluctuations and is considered to be less risky than TQQQ based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	CACC	TQQQ	Difference
Volatility (1M) Calculated over the trailing 1-month period	9.76%	26.81%	-17.05%
Volatility (6M) Calculated over the trailing 6-month period	28.97%	43.27%	-14.30%
Volatility (1Y) Calculated over the trailing 1-year period	40.79%	53.22%	-12.43%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	41.49%	67.42%	-25.93%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	41.24%	66.30%	-25.06%

Dividends

CACC vs. TQQQ - Dividend Comparison

CACC has not paid dividends to shareholders, while TQQQ's dividend yield for the trailing twelve months is around 0.27%.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
CACC Credit Acceptance Corporation	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
TQQQ ProShares UltraPro QQQ	0.27%	0.65%	1.27%	1.26%	0.57%	0.00%	0.00%	0.06%	0.11%	0.00%	0.00%	0.01%

Frequently Asked Questions

Can I hold both CACC and TQQQ in my portfolio?

CACC and TQQQ have a correlation of 0.37, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, CACC or TQQQ?

TQQQ has higher volatility (26.81%) compared to CACC (9.76%). In terms of maximum drawdown, CACC dropped -90.00% vs TQQQ's -81.66%.

Which has better risk-adjusted returns?

TQQQ currently has the higher Sharpe Ratio (1.73 vs 0.55), 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.