CACC vs PEGA

Comparison between Credit Acceptance Corp (CACC, Company) and Pegasystems Inc (PEGA, Company).

CACC is from the Financial Services sector, while PEGA is from the Technology sector.

5-Year PerformanceCACC has outperformed PEGA, delivering a return of +5.3% compared to -10.5%

CACC vs PEGA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CACC(COMPANY)	PEGA(COMPANY)
Market Cap	$5.82B	$5.80B
Max Drawdown	66.85%	92.16%
Sharpe Ratio	0.37	-0.57
5Y Beta	1.17	1.23
Industry	Credit Services	Software - Application
P/E Ratio	13.28	17.17
Forward P/E	10.75	12.32
PEG Ratio	0.18	0.23
Dividend Yield	N/A	0.31%
5Y Dividends CAGR	N/A	17.61%
5Y EPS CAGR	0.50%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	18.10%	8.53%

Market Cap

Winner

CACC

$5.82B

PEGA

$5.80B

Max Drawdown

Winner

CACC

66.85%

PEGA

92.16%

Sharpe Ratio

Winner

CACC

0.37

PEGA

-0.57

5Y Beta

Winner

CACC

1.17

PEGA

1.23

Industry

CACC

Credit Services

PEGA

Software - Application

P/E Ratio

Winner

CACC

13.28

PEGA

17.17

Forward P/E

Winner

CACC

10.75

PEGA

12.32

PEG Ratio

Winner

CACC

0.18

PEGA

0.23

Dividend Yield

CACC

N/A

PEGA

0.31%

5Y Dividends CAGR

CACC

N/A

PEGA

17.61%

5Y EPS CAGR

CACC

0.50%

PEGA

N/A

Debt to Equity

CACC

0.00%

PEGA

0.00%

Free Cash Flow Yield

Winner

CACC

18.10%

PEGA

8.53%

CACC vs PEGA - Historical Returns

Returns include dividend reinvestment.

Period	CACC	PEGA
1 month	+2.81%	-21.53%
3 months	+12.64%	-24.17%
6 months	+35.74%	-34.30%
1 year	+12.48%	-33.29%
5 years(CAGR)	+5.28%	-10.47%
10 years(CAGR)	+12.18%	+10.61%
Max(CAGR)	+19.43%	+12.00%

Winner

CACC

+2.81%

PEGA

-21.53%

Winner

CACC

+12.64%

PEGA

-24.17%

Winner

CACC

+35.74%

PEGA

-34.30%

Winner

CACC

+12.48%

PEGA

-33.29%

5Y(CAGR)

Winner

CACC

+5.28%

PEGA

-10.47%

10Y(CAGR)

Winner

CACC

+12.18%

PEGA

+10.61%

Max(CAGR)

Winner

CACC

+19.43%

PEGA

+12.00%

CACC vs PEGA - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CACC	PEGA
2026	+22.92%	-38.65%
2025	-4.67%	+28.65%
2024	-13.08%	+99.13%
2023	+16.70%	+41.53%
2022	-26.88%	-68.86%
2021	+104.67%	-14.99%
2020	-21.82%	+63.54%
2019	+13.64%	+67.44%
2018	+16.17%	-0.14%
2017	+49.52%	+31.28%
2016	+1.97%	+33.59%
2015	+56.33%	+35.81%
2014	+5.13%	-14.75%
2013	+25.78%	+110.24%
2012	+24.82%	-22.85%
2011	+29.07%	-19.90%
2010	+43.18%	+5.18%
2009	+190.75%	+167.66%
2008	-25.95%	+12.31%
2007	-37.42%	+20.89%
2006	+108.31%	+32.67%
2005	-37.40%	-14.30%
2004	+65.05%	-1.39%
2003	+132.17%	+69.41%
2002	-30.19%	+19.39%
2001	+50.69%	+58.18%
2000	+60.00%	-78.86%
1999	-26.24%	+52.54%

CACC vs PEGA Drawdown Comparison

The maximum drawdown for CACC was -66.85%, occurring on Mar 26, 2003. Recovery took 386 trading sessions.

The maximum drawdown for PEGA was -92.16%, occurring on Dec 26, 2000. Recovery took 2311 trading sessions.

The current CACC drawdown is -19.86%. The current PEGA drawdown is -52.64%.

Rank	CACC	PEGA
#1	-66.85% May 17, 2002 - Nov 26, 2003	-92.16% Mar 2, 2000 - May 12, 2009
#2	-66.00% Oct 16, 2006 - Oct 7, 2009	-79.20% Feb 12, 2021 - Oct 11, 2022
#3	-56.93% Apr 26, 2019 - Aug 6, 2020	-58.68% Jul 8, 2011 - Nov 13, 2013
#4	-52.09% Dec 29, 2004 - May 3, 2006	-46.83% Apr 22, 2010 - Feb 25, 2011
#5	-45.68% Nov 4, 2021 - Jan 5, 2023	-40.08% Feb 20, 2020 - Jul 1, 2020
#6	-45.03% Aug 10, 2020 - Aug 2, 2021	-37.30% Nov 27, 2013 - Jul 30, 2015
#7	-40.57% Jul 8, 2015 - Aug 2, 2017	-33.81% Sep 18, 2018 - Apr 1, 2019
#8	-38.10% Nov 2, 1999 - Jan 24, 2000	-31.03% Nov 4, 2015 - Oct 18, 2016
#9	-35.68% Aug 21, 2001 - Mar 18, 2002	-26.82% Jun 8, 2017 - Apr 19, 2018
#10	-34.58% Sep 20, 2000 - Jan 5, 2001	-24.91% Jan 27, 2000 - Feb 15, 2000
#11	-33.04% Jul 1, 2011 - Dec 5, 2011	-21.94% Dec 9, 1999 - Jan 19, 2000
#12	-32.73% Jan 11, 2001 - Apr 30, 2001	-20.56% Oct 9, 2009 - Dec 28, 2009
#13	-32.52% Mar 29, 2004 - Sep 13, 2004	-20.52% Feb 25, 2011 - Jun 21, 2011
#14	-27.27% Jan 24, 2000 - Apr 7, 2000	-17.97% Jun 2, 2009 - Jul 29, 2009
#15	-26.72% Jan 29, 2010 - Jul 26, 2010	-17.97% Jun 6, 2018 - Sep 14, 2018