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Side-by-side financial comparison of CREDIT ACCEPTANCE CORP (CACC) and RAYONIER ADVANCED MATERIALS INC. (RYAM). Click either name above to swap in a different company.
CREDIT ACCEPTANCE CORP is the larger business by last-quarter revenue ($579.9M vs $417.5M, roughly 1.4× RAYONIER ADVANCED MATERIALS INC.). CREDIT ACCEPTANCE CORP runs the higher net margin — 21.0% vs -5.0%, a 26.1% gap on every dollar of revenue. On growth, CREDIT ACCEPTANCE CORP posted the faster year-over-year revenue change (2.5% vs -1.2%). Over the past eight quarters, CREDIT ACCEPTANCE CORP's revenue compounded faster (6.8% CAGR vs 3.8%).
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...
Rayonier Advanced Materials recently rebranded as RYAM. RYAM is an American company recognized globally for its cellulose-based technologies. Specializing in high-purity cellulose specialties, RYAM produces natural polymers extensively used in manufacturing filters, food, pharmaceuticals, and various industrial applications. Additionally, the company produces products for the paper and packaging industries. The company is publicly traded on the New York Stock Exchange under the ticker symbol ...
CACC vs RYAM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $579.9M | $417.5M |
| Net Profit | $122.0M | $-21.1M |
| Gross Margin | — | 8.9% |
| Operating Margin | 27.1% | 2.6% |
| Net Margin | 21.0% | -5.0% |
| Revenue YoY | 2.5% | -1.2% |
| Net Profit YoY | -19.7% | -31.9% |
| EPS (diluted) | $10.87 | $-0.33 |
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 | $417.5M | ||
| Q3 25 | $582.4M | $352.8M | ||
| Q2 25 | $583.8M | $340.0M | ||
| Q1 25 | $571.1M | $356.0M | ||
| Q4 24 | $565.9M | $422.5M | ||
| Q3 24 | $550.3M | $401.1M | ||
| Q2 24 | $538.2M | $419.0M | ||
| Q1 24 | $508.0M | $387.7M |
| Q4 25 | $122.0M | $-21.1M | ||
| Q3 25 | $108.2M | $-4.5M | ||
| Q2 25 | $87.4M | $-363.2M | ||
| Q1 25 | $106.3M | $-32.0M | ||
| Q4 24 | $151.9M | $-16.0M | ||
| Q3 24 | $78.8M | $-32.6M | ||
| Q2 24 | $-47.1M | $11.4M | ||
| Q1 24 | $64.3M | $-1.6M |
| Q4 25 | — | 8.9% | ||
| Q3 25 | — | 9.7% | ||
| Q2 25 | — | 7.0% | ||
| Q1 25 | — | 6.8% | ||
| Q4 24 | — | 8.7% | ||
| Q3 24 | — | 10.9% | ||
| Q2 24 | — | 11.5% | ||
| Q1 24 | — | 9.5% |
| Q4 25 | 27.1% | 2.6% | ||
| Q3 25 | 25.6% | 2.8% | ||
| Q2 25 | 20.2% | -0.4% | ||
| Q1 25 | 24.8% | -4.2% | ||
| Q4 24 | 33.9% | 2.6% | ||
| Q3 24 | 19.4% | -4.2% | ||
| Q2 24 | -10.3% | 6.7% | ||
| Q1 24 | 17.0% | 4.4% |
| Q4 25 | 21.0% | -5.0% | ||
| Q3 25 | 18.6% | -1.3% | ||
| Q2 25 | 15.0% | -106.8% | ||
| Q1 25 | 18.6% | -9.0% | ||
| Q4 24 | 26.8% | -3.8% | ||
| Q3 24 | 14.3% | -8.1% | ||
| Q2 24 | -8.8% | 2.7% | ||
| Q1 24 | 12.7% | -0.4% |
| Q4 25 | $10.87 | $-0.33 | ||
| Q3 25 | $9.43 | $-0.07 | ||
| Q2 25 | $7.42 | $-5.44 | ||
| Q1 25 | $8.66 | $-0.49 | ||
| Q4 24 | $12.28 | $-0.25 | ||
| Q3 24 | $6.35 | $-0.49 | ||
| Q2 24 | $-3.83 | $0.17 | ||
| Q1 24 | $5.08 | $-0.02 |
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 | $75.4M |
| Total DebtLower is stronger | — | $758.1M |
| Stockholders' EquityBook value | $1.5B | $316.6M |
| Total Assets | $8.6B | $1.8B |
| Debt / EquityLower = less leverage | — | 2.39× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $22.8M | $75.4M | ||
| Q3 25 | $15.9M | $77.0M | ||
| Q2 25 | $70.0M | $70.7M | ||
| Q1 25 | $528.8M | $129.9M | ||
| Q4 24 | $343.7M | $125.2M | ||
| Q3 24 | $159.7M | $136.1M | ||
| Q2 24 | $8.3M | $114.1M | ||
| Q1 24 | $8.4M | $54.6M |
| Q4 25 | — | $758.1M | ||
| Q3 25 | — | $763.5M | ||
| Q2 25 | — | $720.4M | ||
| Q1 25 | — | $707.0M | ||
| Q4 24 | — | $706.4M | ||
| Q3 24 | — | $747.7M | ||
| Q2 24 | — | $752.8M | ||
| Q1 24 | — | $755.6M |
| Q4 25 | $1.5B | $316.6M | ||
| Q3 25 | $1.6B | $338.2M | ||
| Q2 25 | $1.6B | $342.3M | ||
| Q1 25 | $1.7B | $688.1M | ||
| Q4 24 | $1.7B | $713.9M | ||
| Q3 24 | $1.6B | $732.7M | ||
| Q2 24 | $1.6B | $755.1M | ||
| Q1 24 | $1.7B | $741.8M |
| Q4 25 | $8.6B | $1.8B | ||
| Q3 25 | $8.6B | $1.8B | ||
| Q2 25 | $8.7B | $1.8B | ||
| Q1 25 | $9.3B | $2.1B | ||
| Q4 24 | $8.9B | $2.1B | ||
| Q3 24 | $8.7B | $2.2B | ||
| Q2 24 | $8.3B | $2.2B | ||
| Q1 24 | $8.1B | $2.1B |
| Q4 25 | — | 2.39× | ||
| Q3 25 | — | 2.26× | ||
| Q2 25 | — | 2.10× | ||
| Q1 25 | — | 1.03× | ||
| Q4 24 | — | 0.99× | ||
| Q3 24 | — | 1.02× | ||
| Q2 24 | — | 1.00× | ||
| Q1 24 | — | 1.02× |
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 | $32.3M |
| Free Cash FlowOCF − Capex | $268.9M | — |
| FCF MarginFCF / Revenue | 46.4% | — |
| Capex IntensityCapex / Revenue | 0.1% | — |
| Cash ConversionOCF / Net Profit | 2.21× | — |
| TTM Free Cash FlowTrailing 4 quarters | $1.1B | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $269.3M | $32.3M | ||
| Q3 25 | $299.4M | $-17.8M | ||
| Q2 25 | $139.7M | $-30.2M | ||
| Q1 25 | $346.2M | $39.6M | ||
| Q4 24 | $306.2M | $54.9M | ||
| Q3 24 | $317.7M | $49.8M | ||
| Q2 24 | $204.0M | $87.6M | ||
| Q1 24 | $310.0M | $11.3M |
| Q4 25 | $268.9M | — | ||
| Q3 25 | $298.8M | — | ||
| Q2 25 | $139.4M | — | ||
| Q1 25 | $345.9M | — | ||
| Q4 24 | $305.5M | — | ||
| Q3 24 | $317.3M | — | ||
| Q2 24 | $203.6M | — | ||
| Q1 24 | $309.7M | — |
| Q4 25 | 46.4% | — | ||
| Q3 25 | 51.3% | — | ||
| Q2 25 | 23.9% | — | ||
| Q1 25 | 60.6% | — | ||
| Q4 24 | 54.0% | — | ||
| Q3 24 | 57.7% | — | ||
| Q2 24 | 37.8% | — | ||
| Q1 24 | 61.0% | — |
| Q4 25 | 0.1% | — | ||
| Q3 25 | 0.1% | — | ||
| Q2 25 | 0.1% | — | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 0.1% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | 0.1% | — | ||
| Q1 24 | 0.1% | — |
| Q4 25 | 2.21× | — | ||
| Q3 25 | 2.77× | — | ||
| Q2 25 | 1.60× | — | ||
| Q1 25 | 3.26× | — | ||
| Q4 24 | 2.02× | — | ||
| Q3 24 | 4.03× | — | ||
| Q2 24 | — | 7.69× | ||
| Q1 24 | 4.82× | — |
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% |
RYAM
| Cellulose Specialties | $249.6M | 60% |
| Other | $86.2M | 21% |
| Paperboard | $44.2M | 11% |
| High Yield Pulp | $28.3M | 7% |
| Biomaterials | $9.2M | 2% |
