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Side-by-side financial comparison of CREDIT ACCEPTANCE CORP (CACC) and M/I HOMES, INC. (MHO). Click either name above to swap in a different company.
M/I HOMES, INC. is the larger business by last-quarter revenue ($1.1B vs $579.9M, roughly 2.0× CREDIT ACCEPTANCE CORP). CREDIT ACCEPTANCE CORP runs the higher net margin — 21.0% vs 5.6%, a 15.5% gap on every dollar of revenue. On growth, CREDIT ACCEPTANCE CORP posted the faster year-over-year revenue change (2.5% vs -4.8%). CREDIT ACCEPTANCE CORP produced more free cash flow last quarter ($268.9M vs $-13.0M). Over the past eight quarters, CREDIT ACCEPTANCE CORP's revenue compounded faster (6.8% CAGR vs 4.7%).
Credit Acceptance Corporation is an auto finance company providing automobile loans and other related financial products. The company operates its financial program through a national network of dealer-partners, the automobile dealers participating in the programs. The company operates two programs: the "Portfolio Program" and the "Purchase Program". Through these programs, the company can advance money to automobile dealers in exchange for the right to service the underlying consumer loans a...
M/I Homes, Inc. is a leading U.S. residential construction company that designs, builds and sells single-family homes, townhomes and duplexes across multiple U.S. states. It caters to entry-level, move-up and luxury homebuyers, offering energy-efficient designs, flexible floor plans and personalized customization options.
CACC vs MHO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $579.9M | $1.1B |
| Net Profit | $122.0M | $64.0M |
| Gross Margin | — | 17.4% |
| Operating Margin | 27.1% | 6.5% |
| Net Margin | 21.0% | 5.6% |
| Revenue YoY | 2.5% | -4.8% |
| Net Profit YoY | -19.7% | -52.1% |
| EPS (diluted) | $10.87 | $2.42 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $579.9M | $1.1B | ||
| Q3 25 | $582.4M | $1.1B | ||
| Q2 25 | $583.8M | $1.2B | ||
| Q1 25 | $571.1M | $976.1M | ||
| Q4 24 | $565.9M | $1.2B | ||
| Q3 24 | $550.3M | $1.1B | ||
| Q2 24 | $538.2M | $1.1B | ||
| Q1 24 | $508.0M | $1.0B |
| Q4 25 | $122.0M | $64.0M | ||
| Q3 25 | $108.2M | $106.5M | ||
| Q2 25 | $87.4M | $121.2M | ||
| Q1 25 | $106.3M | $111.2M | ||
| Q4 24 | $151.9M | $133.5M | ||
| Q3 24 | $78.8M | $145.4M | ||
| Q2 24 | $-47.1M | $146.7M | ||
| Q1 24 | $64.3M | $138.1M |
| Q4 25 | — | 17.4% | ||
| Q3 25 | — | 24.5% | ||
| Q2 25 | — | 24.7% | ||
| Q1 25 | — | 25.9% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 27.1% | ||
| Q2 24 | — | 27.9% | ||
| Q1 24 | — | 27.1% |
| Q4 25 | 27.1% | 6.5% | ||
| Q3 25 | 25.6% | 12.0% | ||
| Q2 25 | 20.2% | 13.4% | ||
| Q1 25 | 24.8% | 14.4% | ||
| Q4 24 | 33.9% | 13.6% | ||
| Q3 24 | 19.4% | 15.9% | ||
| Q2 24 | -10.3% | 16.8% | ||
| Q1 24 | 17.0% | 16.6% |
| Q4 25 | 21.0% | 5.6% | ||
| Q3 25 | 18.6% | 9.4% | ||
| Q2 25 | 15.0% | 10.4% | ||
| Q1 25 | 18.6% | 11.4% | ||
| Q4 24 | 26.8% | 11.1% | ||
| Q3 24 | 14.3% | 12.7% | ||
| Q2 24 | -8.8% | 13.2% | ||
| Q1 24 | 12.7% | 13.2% |
| Q4 25 | $10.87 | $2.42 | ||
| Q3 25 | $9.43 | $3.92 | ||
| Q2 25 | $7.42 | $4.42 | ||
| Q1 25 | $8.66 | $3.98 | ||
| Q4 24 | $12.28 | $4.71 | ||
| Q3 24 | $6.35 | $5.10 | ||
| Q2 24 | $-3.83 | $5.12 | ||
| Q1 24 | $5.08 | $4.78 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $22.8M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.5B | $3.2B |
| Total Assets | $8.6B | $4.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $22.8M | — | ||
| Q3 25 | $15.9M | — | ||
| Q2 25 | $70.0M | — | ||
| Q1 25 | $528.8M | — | ||
| Q4 24 | $343.7M | — | ||
| Q3 24 | $159.7M | — | ||
| Q2 24 | $8.3M | — | ||
| Q1 24 | $8.4M | — |
| Q4 25 | $1.5B | $3.2B | ||
| Q3 25 | $1.6B | $3.1B | ||
| Q2 25 | $1.6B | $3.1B | ||
| Q1 25 | $1.7B | $3.0B | ||
| Q4 24 | $1.7B | $2.9B | ||
| Q3 24 | $1.6B | $2.8B | ||
| Q2 24 | $1.6B | $2.7B | ||
| Q1 24 | $1.7B | $2.6B |
| Q4 25 | $8.6B | $4.8B | ||
| Q3 25 | $8.6B | $4.8B | ||
| Q2 25 | $8.7B | $4.7B | ||
| Q1 25 | $9.3B | $4.6B | ||
| Q4 24 | $8.9B | $4.5B | ||
| Q3 24 | $8.7B | $4.5B | ||
| Q2 24 | $8.3B | $4.3B | ||
| Q1 24 | $8.1B | $4.2B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $269.3M | $-8.7M |
| Free Cash FlowOCF − Capex | $268.9M | $-13.0M |
| FCF MarginFCF / Revenue | 46.4% | -1.1% |
| Capex IntensityCapex / Revenue | 0.1% | 0.4% |
| Cash ConversionOCF / Net Profit | 2.21× | -0.14× |
| TTM Free Cash FlowTrailing 4 quarters | $1.1B | $127.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $269.3M | $-8.7M | ||
| Q3 25 | $299.4M | $43.4M | ||
| Q2 25 | $139.7M | $37.8M | ||
| Q1 25 | $346.2M | $64.9M | ||
| Q4 24 | $306.2M | $104.4M | ||
| Q3 24 | $317.7M | $-67.9M | ||
| Q2 24 | $204.0M | $27.5M | ||
| Q1 24 | $310.0M | $115.8M |
| Q4 25 | $268.9M | $-13.0M | ||
| Q3 25 | $298.8M | $42.0M | ||
| Q2 25 | $139.4M | $35.1M | ||
| Q1 25 | $345.9M | $63.5M | ||
| Q4 24 | $305.5M | $102.3M | ||
| Q3 24 | $317.3M | $-68.5M | ||
| Q2 24 | $203.6M | $22.0M | ||
| Q1 24 | $309.7M | $115.5M |
| Q4 25 | 46.4% | -1.1% | ||
| Q3 25 | 51.3% | 3.7% | ||
| Q2 25 | 23.9% | 3.0% | ||
| Q1 25 | 60.6% | 6.5% | ||
| Q4 24 | 54.0% | 8.5% | ||
| Q3 24 | 57.7% | -6.0% | ||
| Q2 24 | 37.8% | 2.0% | ||
| Q1 24 | 61.0% | 11.0% |
| Q4 25 | 0.1% | 0.4% | ||
| Q3 25 | 0.1% | 0.1% | ||
| Q2 25 | 0.1% | 0.2% | ||
| Q1 25 | 0.1% | 0.1% | ||
| Q4 24 | 0.1% | 0.2% | ||
| Q3 24 | 0.1% | 0.1% | ||
| Q2 24 | 0.1% | 0.5% | ||
| Q1 24 | 0.1% | 0.0% |
| Q4 25 | 2.21× | -0.14× | ||
| Q3 25 | 2.77× | 0.41× | ||
| Q2 25 | 1.60× | 0.31× | ||
| Q1 25 | 3.26× | 0.58× | ||
| Q4 24 | 2.02× | 0.78× | ||
| Q3 24 | 4.03× | -0.47× | ||
| Q2 24 | — | 0.19× | ||
| Q1 24 | 4.82× | 0.84× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CACC
| Loans Receivable | $553.0M | 95% |
| Other | $26.9M | 5% |
MHO
| Southern Homebuilding | $615.6M | 54% |
| Northern Homebuilding | $503.9M | 44% |
| Financial Service | $27.8M | 2% |
| Land | $4.7M | 0% |
