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Enova International vs Credit Acceptance: ENVA and CACC compared
Enova International is the larger company: $1.0B of revenue in its latest quarter (Q3 2026) against $595M for Credit Acceptance (Q3 2026). Enova International is growing faster (+26% against +2% a year earlier). Enova International is more profitable, with an operating margin of 24.5% against -12.4%.
Where the money goes: ENVA and CACC
Enova International (ENVA) · Q3 2026
Enova International, Q3 2026: revenue $1.0B (+26% year over year), operating margin 24.5%, net earnings $107M, operating cash flow $536M. The chart follows the revenue to costs, profit and cash.
Credit Acceptance (CACC) · Q3 2026
Credit Acceptance, Q3 2026: revenue $595M (+2% year over year), operating margin -12.4%, net loss $56.6M, operating cash flow $336M. The chart follows the revenue to costs, profit and cash.
| Enova International (ENVA) | Credit Acceptance (CACC) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $1.0B | $595M |
| Revenue growth, Y/Y | +26% | +2% |
| Gross margin | 60.9% | — |
| Operating margin | 24.5% | -12.4% |
| Net earnings | $107M | −$56.6M |
| Net margin | 10.6% | -9.5% |
| Operating cash flow | $536M | $336M |
| Free cash flow | $524M | $334M |
| Market value | $4.6B | $5.5B |
| P/E | 11.9× | 17.4× |
| Analysts’ mean target | $230.83 | $556.67 |
Questions
Which is bigger, Enova International or Credit Acceptance?
Enova International is the larger company: $1.0B of revenue in its latest quarter (Q3 2026) against $595M for Credit Acceptance (Q3 2026).
Is Enova International or Credit Acceptance growing faster?
Enova International is growing faster (+26% against +2% a year earlier).
Which is more profitable, Enova International or Credit Acceptance?
Enova International is more profitable, with an operating margin of 24.5% against -12.4%.
More: Enova International earnings · how Enova International makes money · Credit Acceptance earnings · how Credit Acceptance makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 22, 2026; 10-Q filed Oct 29, 2026). Fiscal quarters can end on different dates. Not investment advice.