Sifting through countless of stocks in the Consumer Finance industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Upstart Holdings, Inc. or Credit Acceptance Corporation because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Upstart Holdings, Inc. and Credit Acceptance Corporation compare based on key financial metrics to determine which better meets your investment needs.

About Upstart Holdings, Inc. and Credit Acceptance Corporation

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.

Latest Consumer Finance and Upstart Holdings, Inc., Credit Acceptance Corporation Stock News

As of September 4, 2026, Upstart Holdings, Inc. had a $2.7 billion market capitalization, compared to the Consumer Finance median of $1.0 million. Upstart Holdings, Inc.’s stock is down 35.9% in 2026, down 3.5% in the previous five trading days and down 57.42% in the past year.

Currently, Upstart Holdings, Inc.’s price-earnings ratio is 53.6. Upstart Holdings, Inc.’s trailing 12-month revenue is $1.3 billion with a 4.7% net profit margin. Year-over-year quarterly sales growth most recently was 42.3%. Analysts expect adjusted earnings to reach $2.303 per share for the current fiscal year. Upstart Holdings, Inc. does not currently pay a dividend.

As of September 4, 2026, Credit Acceptance Corporation had a $6.3 billion market cap, putting it in the 70th percentile of all stocks. Credit Acceptance Corporation’s stock is up 36.4% in 2026, up 1.7% in the previous five trading days and up 16.13% in the past year.

Currently, Credit Acceptance Corporation’s price-earnings ratio is 13.3. Credit Acceptance Corporation’s trailing 12-month revenue is $1.3 billion with a 38.5% net profit margin. Year-over-year quarterly sales growth most recently was 9.5%. Analysts expect adjusted earnings to reach $47.725 per share for the current fiscal year. Credit Acceptance Corporation does not currently pay a dividend.

How We Compare Upstart Holdings, Inc. and Credit Acceptance Corporation Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Upstart Holdings, Inc. and Credit Acceptance Corporation’s stock grades to see how they measure up against one another.

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Upstart Holdings, Inc. and Credit Acceptance Corporation Stock Value Grades

Company	Ticker	Value
Upstart Holdings, Inc.	UPST	F
Credit Acceptance Corporation	CACC	B

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Upstart Holdings, Inc. has a Value Score of 16, which is Ultra Expensive. Credit Acceptance Corporation has a Value Score of 66, which is Value.

The Value Stock Winner: Credit Acceptance Corporation

As you can clearly see from the Value Grade breakdown above, Credit Acceptance Corporation is considered to have better value than Upstart Holdings, Inc.. For investors who focus solely on a company’s valuation, Credit Acceptance Corporation could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Upstart Holdings, Inc. and Credit Acceptance Corporation’s Momentum Grades

Company	Ticker	Momentum
Upstart Holdings, Inc.	UPST	F
Credit Acceptance Corporation	CACC	C

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Upstart Holdings, Inc. has a Momentum Score of 11, which is Very Weak. Credit Acceptance Corporation has a Momentum Score of 55, which is Average.

The Momentum Stock Winner: No Clear Winner

Neither Upstart Holdings, Inc. or Credit Acceptance Corporation has a strong enough Momentum Grade to be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Upstart Holdings, Inc. or Credit Acceptance Corporation is the better investment when it comes to momentum.

Upstart Holdings, Inc. and Credit Acceptance Corporation’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Upstart Holdings, Inc.	UPST	D
Credit Acceptance Corporation	CACC	C

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Upstart Holdings, Inc. has a Earnings Estimate Score of 24, which is Negative. Credit Acceptance Corporation has a Earnings Estimate Score of 46, which is Neutral.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither Upstart Holdings, Inc. or Credit Acceptance Corporation has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Upstart Holdings, Inc. or Credit Acceptance Corporation is the better investment when it comes to estimate revisions.

Other Upstart Holdings, Inc. and Credit Acceptance Corporation Grades

In addition to Momentum, Estimate Revisions and Value, A+ Investor also provides grades for Growth and Quality.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Upstart Holdings, Inc. and Credit Acceptance Corporation pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Upstart Holdings, Inc. or Credit Acceptance Corporation Stock?

Overall, Upstart Holdings, Inc. stock has a Value Score of 16, Momentum Score of 11 and Estimate Revisions Score of 24.

Credit Acceptance Corporation stock has a Value Score of 66, Momentum Score of 55 and Estimate Revisions Score of 46.

Comparing Upstart Holdings, Inc. and Credit Acceptance Corporation’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.