Credit Acceptance Corp is a consumer finance company that specializes in automobile loans. These loans are offered through a U.S. nationwide network of automobile dealers that benefit from sales of vehicles to consumers who could otherwise not obtain financing. The company also benefits from repeat and referral sales, and from sales to customers responding to advertisements for financing, but qualify for traditional financing. The company derives its revenue from finance charges, premiums earned on the reinsurance of vehicle service contracts, and other fees. Of these, financing charges, including servicing fees, are by far a source of revenue.

Financial Strength

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.03
Equity-to-Asset	0.19
Debt-to-Equity	3.8
Debt-to-EBITDA	22.24
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	2.15	Distress Grey Safe
Beneish M-Score	-2.87	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	15.9
	3-Year EBITDA Growth Rate	-3.7
	3-Year EPS without NRI Growth Rate	20.1
	3-Year FCF Growth Rate	19.2
	3-Year Book Growth Rate	1.3
	Future 3-5Y Total Revenue Growth Rate	10.33

Momentum Rank

7/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	42.25
	9-Day RSI	44.05
	14-Day RSI	47.31
	6-1 Month Momentum %	-3.53
	12-1 Month Momentum %	-10.42

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	23.4
	Quick Ratio	23.4
	Cash Ratio	0.44
	Days Payable	159.5

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	9.9
	Shareholder Yield %	-11.87

Profitability Rank

8/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	63.28
	Operating Margin %	12.29
	Net Margin %	9.2
	FCF Margin %	55.29
	ROE %	11.41
	ROA %	2.37
	ROIC %	2.49
	ROC (Joel Greenblatt) %	139.23
	ROCE %	3.31
	Years of Profitability over Past 10-Year	10

GF Value Rank

8/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	30.98
	Forward PE Ratio	12.81
	PE Ratio without NRI	23.9
	Shiller PE Ratio	14.18
	Price-to-Owner-Earnings	26.65
	PS Ratio	2.8
	PB Ratio	3.39
	Price-to-Tangible-Book	3.39
	Price-to-Free-Cash-Flow	5.08
	Price-to-Operating-Cash-Flow	5.07
	EV-to-EBIT	46.04
	EV-to-EBITDA	41.52
	EV-to-Revenue	5.66
	EV-to-Forward-Revenue	4.89
	EV-to-FCF	10.23
	Price-to-Projected-FCF	0.36
	Price-to-Median-PS-Value	0.6
	Price-to-Graham-Number	1.93
	Price-to-Net-Current-Asset-Value	3.79
	Earnings Yield (Greenblatt) %	2.17
	FCF Yield %	20.4
	Forward Rate of Return (Yacktman) %	8.11

Financials (Next Earnings Date:2025-01-31 Est.)

Annual Quarterly TTM

CACC's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

See Details

Gurus Latest Trades with NAS:CACC

No Available Data

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Credit Acceptance Corp Executives

Details

GF Value: $633.55

CACC

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 1 Severe warning sign with CACC. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil $)	2,062
	EPS (TTM) ($)	14.89
	Beta	1.52
	Volatility %	35.91
	14-Day RSI	47.31
	14-Day ATR ($)	14.142134
	20-Day SMA ($)	482.49425
	12-1 Month Momentum %	-10.42
	52-Week Range ($)	409.22 - 616.66
	Shares Outstanding (Mil)	12.11

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	5
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Credit Acceptance Corp Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Credit Acceptance Corp Stock Events

Financials Calendars

	Event	Date	Price($)
No Event Data

Credit Acceptance Corp Frequently Asked Questions

What is Credit Acceptance Corp(CACC)'s stock price today?

The current price of CACC is $468.79. The 52 week high of CACC is $616.66 and 52 week low is $409.22.

When is next earnings date of Credit Acceptance Corp(CACC)?

The next earnings date of Credit Acceptance Corp(CACC) is 2025-01-31 Est..

Does Credit Acceptance Corp(CACC) pay dividends? If so, how much?

Credit Acceptance Corp(CACC) does not pay dividend.

Press Release

	Subject	Date
No Press Release

Headlines

No news.

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