CACC vs SPY

Comparison between Credit Acceptance Corp (CACC, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).

5-Year PerformanceSPY has outperformed CACC, delivering a return of +13.8% compared to +5.0%

CACC vs SPY - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CACC(COMPANY)	SPY(ETF)
Market Cap / Net Assets	$5.47B	$735B
Expense Ratio	N/A	0.09%
Max Drawdown	66.85%	56.47%
Sharpe Ratio	0.33	1.60
5Y Beta	1.17	1.00
Industry	Credit Services	N/A
P/E Ratio	12.49	28.81
Forward P/E	10.75	22.07
PEG Ratio	0.17	N/A
5Y Dividends CAGR	N/A	5.43%
5Y EPS CAGR	0.50%	25.84%
Debt to Equity	0.00%	34.16%
Free Cash Flow Yield	19.24%	N/A
P/S Ratio	4.49	3.69
P/B Ratio	3.68	5.54

Market Cap / Net Assets

CACC

$5.47B

Winner

SPY

$735B

Expense Ratio

CACC

N/A

SPY

0.09%

Max Drawdown

CACC

66.85%

Winner

SPY

56.47%

Sharpe Ratio

CACC

0.33

Winner

SPY

1.60

5Y Beta

CACC

1.17

Winner

SPY

1.00

Industry

CACC

Credit Services

SPY

N/A

P/E Ratio

Winner

CACC

12.49

SPY

28.81

Forward P/E

Winner

CACC

10.75

SPY

22.07

PEG Ratio

CACC

0.17

SPY

N/A

5Y Dividends CAGR

CACC

N/A

SPY

5.43%

5Y EPS CAGR

CACC

0.50%

Winner

SPY

25.84%

Debt to Equity

Winner

CACC

0.00%

SPY

34.16%

Free Cash Flow Yield

CACC

19.24%

SPY

N/A

P/S Ratio

CACC

4.49

Winner

SPY

3.69

P/B Ratio

Winner

CACC

3.68

SPY

5.54

CACC vs SPY - Historical Returns

Returns include dividend reinvestment.

Period	CACC	SPY
1 month	+0.96%	+3.53%
3 months	+12.82%	+7.49%
6 months	+29.33%	+11.36%
1 year	+9.01%	+24.76%
5 years(CAGR)	+4.96%	+13.85%
10 years(CAGR)	+12.19%	+15.52%
Max(CAGR)	+19.35%	+8.46%

CACC

+0.96%

Winner

SPY

+3.53%

Winner

CACC

+12.82%

SPY

+7.49%

Winner

CACC

+29.33%

SPY

+11.36%

CACC

+9.01%

Winner

SPY

+24.76%

5Y(CAGR)

CACC

+4.96%

Winner

SPY

+13.85%

10Y(CAGR)

CACC

+12.19%

Winner

SPY

+15.52%

Max(CAGR)

Winner

CACC

+19.35%

SPY

+8.46%

CACC vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CACC	SPY
2026	+20.71%	+7.70%
2025	-4.67%	+18.00%
2024	-13.08%	+25.59%
2023	+16.70%	+26.72%
2022	-26.88%	-18.64%
2021	+104.67%	+30.52%
2020	-21.82%	+17.28%
2019	+13.64%	+31.09%
2018	+16.17%	-5.24%
2017	+49.52%	+20.78%
2016	+1.97%	+13.59%
2015	+56.33%	+1.31%
2014	+5.13%	+14.56%
2013	+25.78%	+29.00%
2012	+24.82%	+14.17%
2011	+29.07%	+0.85%
2010	+43.18%	+13.14%
2009	+190.75%	+22.67%
2008	-25.95%	-36.25%
2007	-37.42%	+5.32%
2006	+108.31%	+13.85%
2005	-37.40%	+5.32%
2004	+65.05%	+10.75%
2003	+132.17%	+24.18%
2002	-30.19%	-22.42%
2001	+50.69%	-10.13%
2000	+60.00%	-8.84%
1999	-26.24%	+8.61%

CACC vs SPY Drawdown Comparison

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

The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.

The current CACC drawdown is -21.30%. The current SPY drawdown is -1.93%.

Rank	CACC	SPY
#1	-66.85% May 17, 2002 - Nov 26, 2003	-55.20% Oct 9, 2007 - Aug 16, 2012
#2	-66.00% Oct 16, 2006 - Oct 7, 2009	-47.50% Mar 24, 2000 - Oct 26, 2006
#3	-56.93% Apr 26, 2019 - Aug 6, 2020	-33.70% Feb 19, 2020 - Aug 10, 2020
#4	-52.09% Dec 29, 2004 - May 3, 2006	-24.50% Jan 3, 2022 - Dec 13, 2023
#5	-45.68% Nov 4, 2021 - Jan 5, 2023	-19.34% Sep 20, 2018 - Apr 12, 2019
#6	-45.03% Aug 10, 2020 - Aug 2, 2021	-18.76% Feb 19, 2025 - Jun 26, 2025
#7	-40.57% Jul 8, 2015 - Aug 2, 2017	-13.02% Jul 20, 2015 - Apr 18, 2016
#8	-38.10% Nov 2, 1999 - Jan 24, 2000	-10.10% Jan 26, 2018 - Aug 6, 2018
#9	-35.68% Aug 21, 2001 - Mar 18, 2002	-9.44% Sep 2, 2020 - Nov 11, 2020
#10	-34.58% Sep 20, 2000 - Jan 5, 2001	-9.30% Jan 19, 2000 - Mar 17, 2000
#11	-33.04% Jul 1, 2011 - Dec 5, 2011	-9.05% Jul 19, 2007 - Oct 5, 2007
#12	-32.73% Jan 11, 2001 - Apr 30, 2001	-8.88% Jan 27, 2026 - Apr 14, 2026
#13	-32.52% Mar 29, 2004 - Sep 13, 2004	-8.41% Jul 16, 2024 - Sep 19, 2024
#14	-27.27% Jan 24, 2000 - Apr 7, 2000	-7.35% Sep 14, 2012 - Jan 2, 2013
#15	-26.72% Jan 29, 2010 - Jul 26, 2010	-7.27% Sep 18, 2014 - Oct 31, 2014