Quick verdict: AVAL vs CACC in 2026

In this AVAL vs CACC stock comparison for 2026, the overall edge is a tie based on an equal number of metric wins. AVAL stands out as the growth leader with higher revenue growth, and it also appears to be the value leader based on its lower P/E and P/B ratios. Conversely, CACC demonstrates superior profitability, leading significantly in net and EBITDA margins, and offers the most positive upside according to discounted cash flow models and analyst price targets. While AVAL is favored by a higher percentage of analysts, CACC’s profitability metrics and positive DCF suggest a potentially stronger underlying business despite less analyst enthusiasm. Not investment advice.

AVAL vs CACC: key metrics side by side

Full side-by-side comparison of AVAL and CACC across valuation, profitability, growth and analyst sentiment. Data updated 2026-05-13.

AVAL vs CACC valuation comparison

When examining the AVAL vs CACC valuation, Grupo Aval (AVAL) generally appears cheaper on traditional valuation multiples. AVAL trades at a Price-to-Earnings (P/E) ratio of 11.27x, which is lower than Credit Acceptance Corporation’s (CACC) P/E of 12.38x. This suggests investors are paying less for each dollar of AVAL’s earnings compared to CACC. Furthermore, AVAL’s Price-to-Book (P/B) ratio of 1.05x is significantly lower than CACC’s 3.71x, indicating that AVAL’s stock price is closer to its book value, another sign of a potentially more attractive valuation for value-oriented investors.

However, a deeper dive into discounted cash flow (DCF) models presents a contrasting picture for the AVAL vs CACC valuation. CACC boasts a substantial DCF upside of +19.5%, implying that its current stock price may be undervalued relative to its intrinsic value based on future cash flows. In stark contrast, AVAL shows a DCF downside of -296.0%, suggesting significant overvaluation according to this model. This divergence highlights the importance of considering multiple valuation methodologies, as while AVAL appears cheaper on multiples, CACC shows more theoretical intrinsic value upside from a DCF perspective.

AVAL vs CACC growth comparison

In terms of top-line expansion, Grupo Aval (AVAL) demonstrates stronger growth momentum than Credit Acceptance Corporation (CACC). AVAL reported a year-over-year revenue growth of +14.5%, significantly outperforming CACC’s revenue growth of +8.6%. This indicates that AVAL has been more successful in increasing its sales and expanding its market presence over the past year. For investors prioritizing revenue growth, AVAL currently presents a more dynamic profile, suggesting it could be considered the growth leader in this AVAL vs CACC analysis.

Despite AVAL’s superior revenue growth, CACC exhibits significantly stronger profitability margins, which can also be a quality indicator of growth. CACC’s EBITDA margin stands at an impressive 36.05% and its net margin at 19.61%, dwarfing AVAL’s EBITDA margin of 13.68% and net margin of 4.38%. While AVAL is expanding its revenue base faster, CACC is converting a much larger portion of its revenue into operating and net income. This suggests that while AVAL has a higher growth rate, CACC’s growth might be considered more efficient and profitable on a per-dollar-of-revenue basis.

AVAL vs CACC profitability

When comparing the profitability of AVAL vs CACC, Credit Acceptance Corporation (CACC) clearly stands out as the more efficient and profitable enterprise. CACC boasts a robust net margin of 19.61%, indicating that nearly 20 cents of every dollar in revenue translates directly into profit. This is significantly higher than Grupo Aval’s (AVAL) net margin of 4.38%. Similarly, CACC’s EBITDA margin of 36.05% far exceeds AVAL’s 13.68%, showcasing its superior operational efficiency before considering depreciation, amortization, interest, and taxes.

While both companies report “N/A%” for Return on Equity (ROE), making direct comparison on this specific metric impossible with the provided data, the Free Cash Flow (FCF) yield provides further insight into their ability to generate cash. CACC’s FCF yield of 19.25% is more than double that of AVAL’s 8.22%. This suggests that CACC is much more effective at converting its earnings into free cash flow, which is crucial for funding operations, paying down debt, or returning capital to shareholders. Overall, CACC demonstrably generates more cash and profits from its operations than AVAL.

Analyst ratings: AVAL vs CACC

Analyst sentiment for Grupo Aval (AVAL) versus Credit Acceptance Corporation (CACC) presents a nuanced picture, though neither stock enjoys an overwhelming “Buy” consensus. For AVAL, out of 6 analysts covering the stock, 33.3% have a “Buy” rating, leading to a “Hold” consensus. However, the analyst price target for AVAL is $0, representing a stark -100.0% downside from its current price, which implies significant caution among analysts regarding its near-term price potential, despite some buy ratings.

On the other hand, CACC has a broader analyst coverage with 18 analysts. Interestingly, 0.0% of these analysts currently rate CACC as a “Buy,” also resulting in a “Hold” consensus. Despite the lack of “Buy” ratings, the consensus price target for CACC is $540, which represents a modest +3.3% upside from its current price. This indicates that while analysts aren’t bullish enough to recommend a “Buy,” they foresee some positive movement for CACC. In essence, while AVAL has some “Buy” ratings, CACC is preferred in terms of price target upside, suggesting analysts see more positive potential in CACC’s current valuation, even with zero outright buy recommendations.

Should I buy AVAL or CACC stock in 2026?

Deciding whether to buy AVAL or CACC stock in 2026 depends heavily on an investor’s specific objectives and risk tolerance. For growth-oriented investors, Grupo Aval (AVAL) might present a more compelling argument based on its superior revenue growth rate of 14.5% year-over-year, which outpaces Credit Acceptance Corporation’s (CACC) 8.6%. This stronger top-line expansion suggests AVAL has more momentum in increasing its market share and overall business volume, potentially appealing to those seeking companies with a faster growth trajectory in their core operations.

For value investors, the AVAL vs CACC valuation offers a mixed bag. AVAL appears cheaper on traditional multiples, trading at a P/E ratio of 11.27x and a P/B ratio of 1.05x, both lower than CACC’s 12.38x P/E and 3.71x P/B. However, the discounted cash flow (DCF) models tell a different story, with CACC showing a positive DCF upside of +19.5% compared to AVAL’s significant DCF downside of -296.0%. This divergence indicates that while AVAL might seem more attractive based on historical earnings and book value, CACC’s future cash flow generation is viewed more positively intrinsically.

When considering income, AVAL offers a marginal dividend yield of 0.03%, while CACC currently offers no dividend (0%). Therefore, for investors whose primary goal is generating income through dividends, AVAL, despite its very low yield, is the only option between the two that currently returns capital to shareholders via dividends. This is not investment advice; investors should conduct thorough personal research and consider their financial goals before making any investment decisions.

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FAQ: AVAL vs CACC