Credit Acceptance vs Ellington Financial
Credit Acceptance reported revenue of $2.3 billion in fiscal 2025, 6.9 times Ellington Financial's $336 million in fiscal 2025. Credit Acceptance's revenue grew 7.2% in its latest year, and Ellington Financial's grew 10.1%. Free cash flow was $1.1 billion at Credit Acceptance and −$925 million at Ellington Financial.
Side by side
| Credit Acceptance | Ellington Financial | |
|---|---|---|
| Latest fiscal year | FY2025, Dec 31, 2025 | FY2025, Dec 31, 2025 |
| Revenue | $2.3B | $336M |
| Revenue growth | 7.2% | 10.1% |
| Revenue growth a year, last 5 years | 6.8% | 48.4% |
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 18.3% | 35.3% |
| Free cash flow | $1.1B | −$925M |
| Free cash flow margin | 45.4% | −275.1% |
| Return on capital | 30.9% | — |
| Net debt to EBITDA | 1.0x | −0.5x |
| Dividends and buybacks | $725M | $184M |
| Change in diluted share count | −6.6% | 14.6% |
| Last close | $529.56 | $11.26 |
| P/E at the last close | 17.4× | 6.9× |
| Insider trades, last 12 months | bought $1.5 million, sold $86.7 million | — |
| Piotroski F-score | — | — |
Amounts in each company's own currency, US$ unless marked (a foreign company may report in another), each company's latest fiscal year from its 10-K, or 20-F or 40-F for a foreign company. Growth rates compare with the year before; the five-year rate is the average a year. Free cash flow is cash from operations minus capital spending; return on capital is after-tax operating income over the money invested in the business; P/E is the last close over the latest earnings per share. Banks are measured differently (return on equity, efficiency ratio), so some rows apply to one company only.
Ten years
Revenue
US$ billions, fiscal years
Credit AcceptanceEllington Financial
Operating margin
Percent of revenue
Credit AcceptanceEllington Financial
Free cash flow
US$ billions. Cash from operations minus capital expenditure.
Credit AcceptanceEllington Financial
Source: the companies' Form 10-K filings, from SEC EDGAR, and the last close. For information only, not investment advice: the figures describe results, not which company is the better investment. The Filing Desk is not affiliated with either company. Full figures on the Credit Acceptance and Ellington Financial pages.