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Credit Acceptance Corp. (CACC)
NASDAQ:CACC
US Market

Credit Acceptance (CACC) Ratios

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345 Followers

Credit Acceptance Ratios

CACC's free cash flow for Q4 2025 was $0.99. For the 2025 fiscal year, CACC's free cash flow was decreased by $ and operating cash flow was $0.47. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
0.26 0.26 0.00 0.00 0.00
Quick Ratio
0.26 0.26 0.00 0.00 0.00
Cash Ratio
0.23 0.23 0.00 0.00 0.00
Solvency Ratio
0.06 0.06 0.03 0.05 0.09
Operating Cash Flow Ratio
0.48 0.48 0.00 0.00 0.00
Short-Term Operating Cash Flow Coverage
0.48 0.48 13.03 16.25 0.82
Net Current Asset Value
$ -7.50B$ -7.50B$ -7.99B$ -6.64B$ -6.01B
Leverage Ratios
Debt-to-Assets Ratio
0.66 0.66 0.65 0.60 0.60
Debt-to-Equity Ratio
4.17 4.17 3.63 2.89 2.83
Debt-to-Capital Ratio
0.81 0.81 0.78 0.74 0.74
Long-Term Debt-to-Capital Ratio
0.73 0.73 0.78 0.74 0.65
Financial Leverage Ratio
6.30 6.30 5.57 4.79 4.70
Debt Service Coverage Ratio
0.24 0.35 3.11 3.95 0.37
Interest Coverage Ratio
6.09 2.38 0.00 0.00 0.00
Debt to Market Cap
1.30 1.29 1.10 0.73 0.71
Interest Debt Per Share
592.92 615.33 515.53 391.21 338.45
Net Debt to EBITDA
8.55 5.54 15.61 12.29 5.73
Profitability Margins
Gross Profit Margin
70.88%98.75%62.41%67.16%73.94%
EBIT Margin
28.65%44.38%15.23%18.48%38.52%
EBITDA Margin
29.84%45.63%16.53%19.89%39.93%
Operating Profit Margin
30.22%47.63%15.23%18.48%38.52%
Pretax Profit Margin
24.64%24.40%15.44%19.56%39.04%
Net Profit Margin
18.48%18.29%11.62%15.22%29.39%
Continuous Operations Profit Margin
18.48%18.29%11.62%15.22%29.39%
Net Income Per EBT
74.97%74.97%75.24%77.83%75.28%
EBT Per EBIT
81.56%51.23%101.35%105.85%101.34%
Return on Assets (ROA)
4.42%4.42%2.54%3.41%7.02%
Return on Equity (ROE)
26.63%27.82%14.17%16.31%32.99%
Return on Capital Employed (ROCE)
9.35%14.88%3.34%4.14%9.20%
Return on Invested Capital (ROIC)
5.41%8.62%280.17%364.78%35.06%
Return on Tangible Assets
4.42%4.42%2.54%3.41%7.02%
Earnings Yield
8.74%8.63%4.29%4.15%8.33%
Efficiency Ratios
Receivables Turnover
34.14 34.48 508.17 437.16 209.54
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
182.08 183.90 145.19 40.43 35.47
Asset Turnover
0.24 0.24 0.22 0.22 0.24
Working Capital Turnover Ratio
0.71 -2.89 0.00 0.00 0.54
Cash Conversion Cycle
10.69 10.59 0.72 0.83 1.74
Days of Sales Outstanding
10.69 10.59 0.72 0.83 1.74
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
10.69 10.59 0.72 0.83 1.74
Cash Flow Ratios
Operating Cash Flow Per Share
96.68 95.20 92.34 92.93 91.32
Free Cash Flow Per Share
96.53 95.05 92.19 92.62 91.09
CapEx Per Share
0.15 0.14 0.15 0.31 0.23
Free Cash Flow to Operating Cash Flow
1.00 1.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
659.13 659.12 632.17 300.95 399.58
Capital Expenditure Coverage Ratio
659.13 659.12 632.17 300.95 399.58
Operating Cash Flow Coverage Ratio
0.17 0.17 0.18 0.24 0.27
Operating Cash Flow to Sales Ratio
0.46 0.46 0.53 0.64 0.68
Free Cash Flow Yield
21.47%21.43%19.64%17.39%19.20%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
11.44 11.59 23.34 24.12 12.01
Price-to-Sales (P/S) Ratio
2.14 2.12 2.71 3.67 3.53
Price-to-Book (P/B) Ratio
3.18 3.22 3.31 3.93 3.96
Price-to-Free Cash Flow (P/FCF) Ratio
4.66 4.67 5.09 5.75 5.21
Price-to-Operating Cash Flow Ratio
4.60 4.66 5.08 5.73 5.19
Price-to-Earnings Growth (PEG) Ratio
-3.81 0.13 -2.62 -0.55 -0.36
Price-to-Fair Value
3.18 3.22 3.31 3.93 3.96
Enterprise Value Multiple
15.71 10.18 32.00 30.75 14.57
Enterprise Value
10.76B 10.77B 11.29B 11.50B 10.61B
EV to EBITDA
15.71 10.18 32.00 30.75 14.57
EV to Sales
4.69 4.65 5.29 6.12 5.82
EV to Free Cash Flow
10.22 10.22 9.94 9.58 8.59
EV to Operating Cash Flow
10.20 10.21 9.92 9.55 8.56
Tangible Book Value Per Share
139.67 137.53 141.98 135.39 119.73
Shareholders’ Equity Per Share
139.67 137.53 141.98 135.39 119.73
Tax and Other Ratios
Effective Tax Rate
0.25 0.25 0.25 0.22 0.25
Revenue Per Share
210.32 209.17 173.20 145.12 134.40
Net Income Per Share
38.86 38.26 20.12 22.09 39.50
Tax Burden
0.75 0.75 0.75 0.78 0.75
Interest Burden
0.86 0.55 1.01 1.06 1.01
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.05 0.00 0.05 0.05 0.05
Stock-Based Compensation to Revenue
0.02 0.02 0.02 0.02 0.02
Income Quality
2.49 2.49 4.59 4.21 2.31
Currency in USD