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Side-by-side financial comparison of CREDIT ACCEPTANCE CORP (CACC) and レンディングクラブ (LC), based on the latest 10-Q / 10-K filings. Click either name above to swap in a different company.
CREDIT ACCEPTANCE CORP is the larger business by last-quarter revenue ($579.9M vs $266.5M, roughly 2.2× レンディングクラブ). On growth, レンディングクラブ posted the faster year-over-year revenue change (22.7% vs 2.5%). CREDIT ACCEPTANCE CORP produced more free cash flow last quarter ($268.9M vs $-919.3M). Over the past eight quarters, レンディングクラブ's revenue compounded faster (21.4% CAGR vs 6.8%).
クレジット・アクセプタンス・コーポレーションは自動車金融会社で、自動車ローンをはじめとする関連金融商品を提供しています。全国の提携自動車販売店ネットワークを通じて事業を展開し、「ポートフォリオプログラム」と「購入プログラム」の2つのプログラムを運用しています。これらのプログラムを通じて自動車販売店に資金を提供し、対応する消費者ローンのサービス権利を取得しています。
LendingClub Corporationは米国カリフォルニア州サンフランシスコに本社を置く金融サービス企業で、世界で初めて自社商品を証券として登録したP2P融資プラットフォームであり、ローンの二次市場取引にも対応している。全盛期は世界最大のP2P融資プラットフォームで、2015年12月31日時点でプラットフォームを通じた融資実行額は計159億8000万ドルに達した。
CACC vs LC — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $579.9M | $266.5M |
| Net Profit | $122.0M | — |
| Gross Margin | — | — |
| Operating Margin | 27.1% | 18.8% |
| Net Margin | 21.0% | — |
| Revenue YoY | 2.5% | 22.7% |
| Net Profit YoY | -19.7% | — |
| EPS (diluted) | $10.87 | $0.36 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align — see 8-quarter trend below.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history — bar widths are scaled to the larger of the two companies so you can eyeball the size gap and growth trajectory without doing math. Quarters aligned by calendar period (report date) so offset fiscal years line up.
| Q4 25 | $579.9M | $266.5M | ||
| Q3 25 | $582.4M | $266.2M | ||
| Q2 25 | $583.8M | $248.4M | ||
| Q1 25 | $571.1M | $217.7M | ||
| Q4 24 | $565.9M | $217.2M | ||
| Q3 24 | $550.3M | $201.9M | ||
| Q2 24 | $538.2M | $187.2M | ||
| Q1 24 | $508.0M | $180.7M |
| Q4 25 | $122.0M | — | ||
| Q3 25 | $108.2M | $44.3M | ||
| Q2 25 | $87.4M | $38.2M | ||
| Q1 25 | $106.3M | $11.7M | ||
| Q4 24 | $151.9M | — | ||
| Q3 24 | $78.8M | $14.5M | ||
| Q2 24 | $-47.1M | $14.9M | ||
| Q1 24 | $64.3M | $12.3M |
| Q4 25 | 27.1% | 18.8% | ||
| Q3 25 | 25.6% | 21.5% | ||
| Q2 25 | 20.2% | 21.7% | ||
| Q1 25 | 24.8% | 7.2% | ||
| Q4 24 | 33.9% | 5.1% | ||
| Q3 24 | 19.4% | 8.9% | ||
| Q2 24 | -10.3% | 10.4% | ||
| Q1 24 | 17.0% | 9.1% |
| Q4 25 | 21.0% | — | ||
| Q3 25 | 18.6% | 16.6% | ||
| Q2 25 | 15.0% | 15.4% | ||
| Q1 25 | 18.6% | 5.4% | ||
| Q4 24 | 26.8% | — | ||
| Q3 24 | 14.3% | 7.2% | ||
| Q2 24 | -8.8% | 8.0% | ||
| Q1 24 | 12.7% | 6.8% |
| Q4 25 | $10.87 | $0.36 | ||
| Q3 25 | $9.43 | $0.37 | ||
| Q2 25 | $7.42 | $0.33 | ||
| Q1 25 | $8.66 | $0.10 | ||
| Q4 24 | $12.28 | $0.08 | ||
| Q3 24 | $6.35 | $0.13 | ||
| Q2 24 | $-3.83 | $0.13 | ||
| Q1 24 | $5.08 | $0.11 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest filing — the kind of financial-strength check premium terminals charge for.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $22.8M | — |
| Total DebtLower is stronger | — | $0 |
| Stockholders' EquityBook value | $1.5B | $1.5B |
| Total Assets | $8.6B | $11.6B |
| Debt / EquityLower = less leverage | — | 0.00× |
8-quarter trend — quarters aligned by calendar period so offset fiscal years match up.
| 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 | — | $0 | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | — | $0 | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.5B | $1.5B | ||
| Q3 25 | $1.6B | $1.5B | ||
| Q2 25 | $1.6B | $1.4B | ||
| Q1 25 | $1.7B | $1.4B | ||
| Q4 24 | $1.7B | $1.3B | ||
| Q3 24 | $1.6B | $1.3B | ||
| Q2 24 | $1.6B | $1.3B | ||
| Q1 24 | $1.7B | $1.3B |
| Q4 25 | $8.6B | $11.6B | ||
| Q3 25 | $8.6B | $11.1B | ||
| Q2 25 | $8.7B | $10.8B | ||
| Q1 25 | $9.3B | $10.5B | ||
| Q4 24 | $8.9B | $10.6B | ||
| Q3 24 | $8.7B | $11.0B | ||
| Q2 24 | $8.3B | $9.6B | ||
| Q1 24 | $8.1B | $9.2B |
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | — | 0.00× | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Net income can be massaged; cash flow is harder to fake.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $269.3M | $-903.8M |
| Free Cash FlowOCF − Capex | $268.9M | $-919.3M |
| FCF MarginFCF / Revenue | 46.4% | -345.0% |
| Capex IntensityCapex / Revenue; lower = less reinvestment burden | 0.1% | 5.8% |
| Cash ConversionOCF / Net Profit; >1× = earnings back up with cash | 2.21× | — |
| TTM Free Cash FlowTrailing 4 quarters | $1.1B | $-2.9B |
8-quarter trend — quarters aligned by calendar period so offset fiscal years match up.
| Q4 25 | $269.3M | $-903.8M | ||
| Q3 25 | $299.4M | $-770.8M | ||
| Q2 25 | $139.7M | $-713.1M | ||
| Q1 25 | $346.2M | $-339.3M | ||
| Q4 24 | $306.2M | $-185.4M | ||
| Q3 24 | $317.7M | $-669.8M | ||
| Q2 24 | $204.0M | $-932.5M | ||
| Q1 24 | $310.0M | $-846.5M |
| Q4 25 | $268.9M | $-919.3M | ||
| Q3 25 | $298.8M | $-791.8M | ||
| Q2 25 | $139.4M | $-803.8M | ||
| Q1 25 | $345.9M | $-352.3M | ||
| Q4 24 | $305.5M | $-202.6M | ||
| Q3 24 | $317.3M | $-682.3M | ||
| Q2 24 | $203.6M | $-945.3M | ||
| Q1 24 | $309.7M | $-858.3M |
| Q4 25 | 46.4% | -345.0% | ||
| Q3 25 | 51.3% | -297.4% | ||
| Q2 25 | 23.9% | -323.5% | ||
| Q1 25 | 60.6% | -161.8% | ||
| Q4 24 | 54.0% | -93.3% | ||
| Q3 24 | 57.7% | -338.0% | ||
| Q2 24 | 37.8% | -504.9% | ||
| Q1 24 | 61.0% | -475.0% |
| Q4 25 | 0.1% | 5.8% | ||
| Q3 25 | 0.1% | 7.9% | ||
| Q2 25 | 0.1% | 36.5% | ||
| Q1 25 | 0.1% | 6.0% | ||
| Q4 24 | 0.1% | 7.9% | ||
| Q3 24 | 0.1% | 6.2% | ||
| Q2 24 | 0.1% | 6.9% | ||
| Q1 24 | 0.1% | 6.5% |
| Q4 25 | 2.21× | — | ||
| Q3 25 | 2.77× | -17.41× | ||
| Q2 25 | 1.60× | -18.68× | ||
| Q1 25 | 3.26× | -29.07× | ||
| Q4 24 | 2.02× | — | ||
| Q3 24 | 4.03× | -46.33× | ||
| Q2 24 | — | -62.57× | ||
| Q1 24 | 4.82× | -69.10× |
Financial Flow Comparison
Sankey diagram of revenue → gross profit → operating profit → net profit for each company. Charts shown full-width and stacked so both segment hierarchies are readable side-by-side on desktop and mobile.
Revenue Breakdown by Segment
CACC
Segment breakdown not available.
LC
| Lending Club Bank | $162.8M | 61% |
| Other | $82.3M | 31% |
| Servicing Fees | $12.8M | 5% |
| Lending Club Corporation | $8.5M | 3% |
