BLK
BlackRock, Inc.
BLK has lower modeled downside risk, despite its lower overall score.
CACC
Credit Acceptance Corporation
CACC has a slight edge over BLK overall, supported by stronger valuation and stronger modeled upside.
BLK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BLK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BLK.
CACC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
CACC's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CACC.
BLK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 19x | $848 | -30% |
| Fair | 22x | $973 | -20% |
| Expensive | 26x | $1,149 | -5.5% |
| Current | 28x | $1,217 | — |
Historical ranges are pointers, not guarantees.
BLK has the edge over CACC in the historical PE scenario, which offers more potential upside but is not a forecast.
CACC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 9.3x | $504 | — |
| Cheap | 10x | $318 | -37% |
| Fair | 14x | $417 | -17% |
| Current | 17x | $504 | — |
| Expensive | 25x | $752 | +49% |
Historical ranges are pointers, not guarantees.
CACC's PE is 17x, but its earnings don't support one, so it isn't a reliable read right now.
BLK Forward outlook
There aren't enough analyst estimates for BLK to show an outlook.
CACC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for CACC, with profitability improving.
BLK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $43.87 | +11% |
| Q2 2026 | $41.73 | -0.4% |
| Q1 2026 | $39.73 | -4.7% |
| Q4 2025 | $35.31 | -17% |
| Q3 2025 | $39.42 | -2.7% |
| Q2 2025 | $41.89 | +4% |
| Q1 2025 | $41.69 | +5.9% |
| Q4 2024 | $42.53 | +16% |
BLK earned $43.87 per share over the past year, up 11% from the year before.
CACC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $53.86 | +77% |
| Q3 2026 | $30.50 | -19% |
| Q2 2026 | $45.36 | +31% |
| Q1 2026 | $40.12 | +71% |
| Q4 2025 | $36.38 | +83% |
| Q3 2025 | $37.79 | +154% |
| Q2 2025 | $34.71 | +149% |
| Q1 2025 | $23.46 | +21% |
| Q4 2024 | $19.88 | -9.6% |
CACC has the edge over BLK on earnings, with more consistent year-over-year improvement.
BLK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.8B | +19% |
| Q2 2026 | $7.1B | +31% |
| Q1 2026 | $6.7B | +27% |
| Q4 2025 | $7B | +23% |
| Q3 2025 | $6.5B | +25% |
| Q2 2025 | $5.4B | +13% |
| Q1 2025 | $5.3B | +12% |
| Q4 2024 | $5.7B | +23% |
BLK has the edge over CACC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | 0 points |
| Q2 2026 | 35% | +2.8 points |
| Q1 2026 | 42% | +9.8 points |
| Q4 2025 | 24% | -13 points |
| Q3 2025 | 30% | -8.6 points |
| Q2 2025 | 32% | -5.5 points |
| Q1 2025 | 32% | -3.6 points |
| Q4 2024 | 37% | +2.3 points |
BLK has the edge over CACC on profitability, with a higher operating margin.
CACC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $594.6M | +2.1% |
| Q2 2026 | $587.4M | +0.6% |
| Q1 2026 | $580M | +1.6% |
| Q4 2025 | $579.9M | +2.5% |
| Q3 2025 | $582.4M | +5.8% |
| Q2 2025 | $583.8M | +8.5% |
| Q1 2025 | $571.1M | +12% |
| Q4 2024 | $565.9M | +15% |
CACC's revenue has grown year over year for 14 quarters in a row: $595M last quarter, up 2.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -12% | -38 points |
| Q2 2026 | 29% | +8.5 points |
| Q1 2026 | 30% | +5.4 points |
| Q4 2025 | 27% | -6.8 points |
| Q3 2025 | 26% | +6.2 points |
| Q2 2025 | 20% | +30 points |
| Q1 2025 | 25% | +7.8 points |
| Q4 2024 | 34% | +10 points |
CACC's operating margin was −12% last quarter, down 38 points from the same quarter a year ago, near the bottom of its range since 2019.
BLK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.6B | +95% |
| Q2 2026 | $1.1B | -12% |
| Q1 2026 | -$1.1B | +$120M |
| Q4 2025 | $2.1B | -15% |
| Q2 2025 | $1.3B | -6.1% |
| Q1 2025 | -$1.2B | -$734M |
| Q4 2024 | $2.5B | +35% |
| Q2 2024 | $1.4B | +47% |
BLK has the edge over CACC on cash flow, with more consistent year-over-year improvement.
CACC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $334.1M | +12% |
| Q2 2026 | $307.9M | +121% |
| Q1 2026 | $345.5M | -0.1% |
| Q4 2025 | $268.9M | -12% |
| Q3 2025 | $298.8M | -5.8% |
| Q2 2025 | $139.4M | -32% |
| Q1 2025 | $345.9M | +12% |
| Q4 2024 | $305.5M | -1.3% |
CACC's free cash flow was $1.3B over the past year, up 15% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CACC.
BLK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -148K shares |
| 1 year | -0.4% | -677K shares |
| 3 years | +9.3% | +14M shares |
| 5 years | +6.2% | +9.6M shares |
| Available history | +4.4% | +7M shares |
BLK has 165M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2025 | $396M |
| Q1 2025 | $657M |
| Q4 2024 | $386M |
| Q2 2024 | $519M |
| Q1 2024 | $634M |
| Q4 2023 | $384M |
| Q3 2023 | $396M |
| Q2 2023 | $383M |
CACC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -3% | -318K shares |
| 1 year | -9.2% | -1.1M shares |
| 3 years | -20% | -2.6M shares |
| 5 years | -34% | -5.4M shares |
| Available history | -45% | -8.6M shares |
CACC has the edge over BLK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $161.6M |
| Q2 2026 | $141.4M |
| Q1 2026 | $178.9M |
| Q4 2025 | $191.4M |
| Q3 2025 | $107.4M |
| Q2 2025 | $262.2M |
| Q1 2025 | $164.4M |
| Q4 2024 | $61.4M |
CACC spent $673M buying back its own shares over the past year, up 13% from the year before.
BLK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Net Cash |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.3x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.3x | Very low |
| Q2 2024 | 0.2x | Very low |
| Q1 2024 | 0.3x | Very low |
| Q4 2023 | 0.1x | Very low |
BLK has the edge over CACC on leverage, with a lower net debt burden relative to earnings.
CACC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 13.1x | High |
| Q2 2026 | 8.0x | High |
| Q1 2026 | 8.8x | High |
| Q4 2025 | 9.2x | High |
| Q3 2025 | 8.7x | High |
| Q2 2025 | 9.5x | High |
| Q1 2025 | 13.0x | High |
| Q4 2024 | 14.9x | High |
CACC's net debt is about 13 years of its operating earnings (EBITDA), up from 8.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CACC.
BLK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.5 | Neutral |
| Stochastic | 79.0 | Neutral |
BLK's weekly RSI is 64 (neutral) and its Stochastic is 79 (neutral).
CACC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.5 | Neutral |
| Stochastic | 26.5 | Neutral |
CACC's weekly RSI is 44 (neutral) and its Stochastic is 26 (neutral).
BLK PE vs Financial Services Sector
| Metric | BLK | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 113% above |
| PE % | 97 | 63 | 34 pts above |
BLK is trading at 28x earnings, a 113% premium to the Financial Services sector's median of 13x.
CACC PE vs Financial Services Sector
| Metric | CACC | Sector median | Relative |
|---|---|---|---|
| PE | 17x | 13x | 27% above |
| PE % | 65 | 63 | 2 pts above |
CACC has the edge over BLK on valuation relative to its sector.
BLK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1,128.0 | 7.9% above |
| 20 week MA | $1,108.9 | 9.7% above |
| 50 week MA | $1,071.6 | 14% above |
| 100 week MA | $1,051.1 | 16% above |
| 200 week MA | $914.1 | 33% above |
BLK has the edge over CACC on trend strength, trading above more of its moving averages.
CACC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $526.9 | 4.4% below |
| 20 week MA | $571.9 | 12% below |
| 50 week MA | $526.5 | 4.4% below |
| 100 week MA | $506.2 | 0.5% below |
| 200 week MA | $496.6 | 1.4% above |
CACC has fallen below most of its moving averages, though it's still 1.4% above its 200-week average.
BLK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $503.0 | $707.2 | +41% |
| 2021 | $707.2 | $913.9 | +29% |
| 2022 | $913.9 | $703.9 | -23% |
| 2023 | $703.9 | $811.8 | +15% |
| 2024 | $811.8 | $1,044.2 | +29% |
| 2025 | $1,044.2 | $1,088.1 | +4.2% |
| 2026 YTD | $1,088.1 | $1,216.6 | +12% |
BLK has the edge over CACC on returns for 2026, with the stronger performance.
CACC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $437.2 | $329.0 | -25% |
| 2021 | $329.0 | $680.0 | +107% |
| 2022 | $680.0 | $465.2 | -32% |
| 2023 | $465.2 | $532.7 | +15% |
| 2024 | $532.7 | $469.2 | -12% |
| 2025 | $469.2 | $457.2 | -2.6% |
| 2026 YTD | $457.2 | $503.5 | +10% |
CACC has finished lower in four of the last six years. It's up 10% so far in 2026.