CACC vs. WRLD
CACC (Credit Acceptance Corporation) and WRLD (World Acceptance Corporation) are both stocks. Both operate in the Credit Services industry within the Financial Services sector. Over the past 10 years, CACC returned 11.56%/yr vs 15.51%/yr for WRLD. Their 0.29 correlation means their historical movements had little consistent relationship.
Performance
CACC vs. WRLD - Performance Comparison
Loading charts...
Returns By Period
The year-to-date returns for both stocks are quite close, with CACC having a 28.29% return and WRLD slightly lower at 28.08%. Over the past 10 years, CACC has underperformed WRLD with an annualized return of 11.56%, while WRLD has yielded a comparatively higher 15.51% annualized return.
CACC
- 1D
- 2.38%
- 1M
- -13.42%
- 6M
- 14.18%
- YTD
- 28.29%
- 1Y
- 27.13%
- 3Y*
- 0.94%
- 5Y*
- 3.25%
- 10Y*
- 11.56%
- ALL TIME*
- 17.46%
WRLD
- 1D
- -0.71%
- 1M
- -13.54%
- 6M
- 48.30%
- YTD
- 28.08%
- 1Y
- 16.49%
- 3Y*
- 5.04%
- 5Y*
- -1.05%
- 10Y*
- 15.51%
- ALL TIME*
- 13.41%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $81.32M | $84.95M | $97.60M | |
| $34.36M | $28.26M | $25.42M |
CACC vs. WRLD - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CACC Credit Acceptance Corporation | 28.29% | -5.54% | -11.88% | 12.30% | -31.01% | 98.67% | -21.75% | 15.87% | 18.02% | 48.72% |
WRLD World Acceptance Corporation | 28.08% | 24.86% | -13.86% | 97.95% | -73.13% | 140.10% | 18.31% | -15.51% | 26.68% | 25.58% |
Correlation
The correlation between CACC and WRLD is 0.43, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.43 |
Correlation (3Y) Balances recent behavior with more history. | 0.51 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.52 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.48 |
Correlation (All Time) Calculated using the full available price history since Jun 5, 1992 | 0.29 |
The correlation between CACC and WRLD shifts across timeframes, from 0.29 (all time) to 0.52 (5 years), reflecting how their relationship changes across market environments.
Fundamentals
CACC:
$5.95B
WRLD:
$834.38M
CACC:
$40.57
WRLD:
$8.07
CACC:
14.02
WRLD:
22.29
CACC:
16.15
WRLD:
0.52
CACC:
2.75
WRLD:
1.48
CACC:
4.12
WRLD:
2.27
CACC:
$2.31B
WRLD:
$591.92M
CACC:
$1.28B
WRLD:
$426.04M
CACC:
$543.60M
WRLD:
$110.11M
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
CACC vs. WRLD — Risk / Return Rank
CACC
WRLD
CACC vs. WRLD - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Credit Acceptance Corporation (CACC) and World Acceptance Corporation (WRLD). 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 | WRLD | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.11 | ||
| Sortino ratioReturn per unit of downside risk | +0.08 | ||
| Omega ratioGain probability vs. loss probability | 1.11 | 1.10 | +0.01 |
| Calmar ratioReturn relative to maximum drawdown | 0.74 | 0.39 | +0.35 |
| Martin ratioReturn relative to average drawdown | 1.68 | 0.75 | +0.93 |
Loading charts...
Drawdowns
CACC vs. WRLD - Drawdown Comparison
The maximum CACC drawdown since its inception was -90.00%, which is greater than WRLD's maximum drawdown of -77.65%. Use the drawdown chart below to compare losses from any high point for CACC and WRLD.
Loading charts...
Drawdown Indicators
| CACC | WRLD | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -90.00% | -77.65% | -12.35% |
Max Drawdown (1Y)Largest decline over 1 year | -21.71% | -37.34% | +15.63% |
Max Drawdown (3Y)Largest decline over 3 years | -32.74% | -37.89% | +5.15% |
Max Drawdown (5Y)Largest decline over 5 years | -45.68% | -77.00% | +31.32% |
Max Drawdown (10Y)Largest decline over 10 years | -56.93% | -77.00% | +20.07% |
Current DrawdownCurrent decline from peak | -18.29% | -30.58% | +12.29% |
Average DrawdownAverage peak-to-trough decline | -30.64% | -33.19% | +2.55% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 9.64% | 19.21% | -9.57% |
Volatility
CACC vs. WRLD - Volatility Comparison
The current volatility for Credit Acceptance Corporation (CACC) is 8.57%, while World Acceptance Corporation (WRLD) has a volatility of 16.64%. This indicates that CACC experiences smaller price fluctuations and is considered to be less risky than WRLD based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| CACC | WRLD | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.57% | 16.64% | -8.07% |
Volatility (6M)Calculated over the trailing 6-month period | 28.69% | 33.00% | -4.31% |
Volatility (1Y)Calculated over the trailing 1-year period | 40.78% | 50.72% | -9.94% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 41.58% | 55.52% | -13.94% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 41.13% | 54.99% | -13.86% |
Dividends
CACC vs. WRLD - Dividend Comparison
Neither CACC nor WRLD has paid dividends to shareholders.
Financials
CACC vs. WRLD - Financials Comparison
This section allows you to compare key financial metrics between Credit Acceptance Corporation and World Acceptance Corporation. 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. WRLD - Profitability Comparison
CACC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 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%.
WRLD - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, World Acceptance Corporation reported a gross profit of 138.44M and revenue of 139.21M. Therefore, the gross margin over that period was 99.4%.
CACC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Credit Acceptance Corporation reported an operating income of 0.00 and revenue of 580.00M, resulting in an operating margin of 0.0%.
WRLD - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, World Acceptance Corporation reported an operating income of 60.18M and revenue of 139.21M, resulting in an operating margin of 43.2%.
CACC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Credit Acceptance Corporation reported a net income of 135.80M and revenue of 580.00M, resulting in a net margin of 23.4%.
WRLD - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, World Acceptance Corporation reported a net income of 6.11M and revenue of 139.21M, resulting in a net margin of 4.4%.
Frequently Asked Questions
CACC and WRLD have a correlation of 0.43, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
WRLD has higher volatility (16.64%) compared to CACC (8.57%). In terms of maximum drawdown, CACC dropped -90.00% vs WRLD's -77.65%.
CACC currently has the higher Sharpe Ratio (0.40 vs 0.29), 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.
Find the right allocation for CACC and WRLD
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer