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

Credit Acceptance (CACC) Ratios

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344 Followers

Credit Acceptance Ratios

CACC's free cash flow for Q3 2025 was $0.62. For the 2025 fiscal year, CACC's free cash flow was decreased by $ and operating cash flow was $0.25. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.00 0.00 0.00 0.00 39.28
Quick Ratio
0.00 0.00 0.00 0.00 39.28
Cash Ratio
1.25 0.00 0.00 0.00 0.13
Solvency Ratio
0.06 0.03 0.05 0.09 0.19
Operating Cash Flow Ratio
2.73 0.00 0.00 0.00 6.10
Short-Term Operating Cash Flow Coverage
0.00 13.03 16.25 0.82 411.31
Net Current Asset Value
$ -7.11B$ -7.99B$ -6.64B$ -6.01B$ 1.66B
Leverage Ratios
Debt-to-Assets Ratio
0.74 0.65 0.60 0.60 0.66
Debt-to-Equity Ratio
4.17 3.63 2.89 2.83 2.53
Debt-to-Capital Ratio
0.81 0.78 0.74 0.74 0.72
Long-Term Debt-to-Capital Ratio
0.81 0.78 0.74 0.65 0.72
Financial Leverage Ratio
5.67 5.57 4.79 4.70 3.87
Debt Service Coverage Ratio
0.00 3.11 3.95 0.37 376.73
Interest Coverage Ratio
0.00 0.00 0.00 0.00 0.00
Debt to Market Cap
1.14 1.10 0.73 0.71 0.42
Interest Debt Per Share
582.48 515.53 391.21 338.45 287.14
Net Debt to EBITDA
8.63 15.61 12.29 5.73 3.58
Profitability Margins
Gross Profit Margin
71.17%62.41%67.16%73.94%77.25%
EBIT Margin
28.65%15.23%18.48%38.52%67.85%
EBITDA Margin
29.55%16.53%19.89%39.93%69.27%
Operating Profit Margin
28.65%15.23%18.48%38.52%67.85%
Pretax Profit Margin
24.64%15.44%19.56%39.04%68.12%
Net Profit Margin
18.48%11.62%15.22%29.39%51.77%
Continuous Operations Profit Margin
18.48%11.62%15.22%29.39%51.77%
Net Income Per EBT
74.97%75.24%77.83%75.28%76.00%
EBT Per EBIT
86.01%101.35%105.85%101.34%100.41%
Return on Assets (ROA)
4.91%2.54%3.41%7.02%13.59%
Return on Equity (ROE)
26.63%14.17%16.31%32.99%52.53%
Return on Capital Employed (ROCE)
7.99%3.34%4.14%9.20%18.26%
Return on Invested Capital (ROIC)
-123.16%280.17%364.78%35.06%13.88%
Return on Tangible Assets
4.91%2.54%3.41%7.02%13.59%
Earnings Yield
7.66%4.29%4.15%8.33%8.66%
Efficiency Ratios
Receivables Turnover
34.14 508.17 437.16 209.54 0.29
Payables Turnover
0.00 0.00 0.00 0.00 2.41
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
182.08 145.19 40.43 35.47 32.30
Asset Turnover
0.27 0.22 0.22 0.24 0.26
Working Capital Turnover Ratio
0.60 0.00 0.00 0.54 0.27
Cash Conversion Cycle
10.69 0.72 0.83 1.74 1.12K
Days of Sales Outstanding
10.69 0.72 0.83 1.74 1.27K
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 151.69
Operating Cycle
10.69 0.72 0.83 1.74 1.27K
Cash Flow Ratios
Operating Cash Flow Per Share
100.06 92.34 92.93 91.32 66.48
Free Cash Flow Per Share
99.89 92.19 92.62 91.09 66.01
CapEx Per Share
0.17 0.15 0.31 0.23 0.47
Free Cash Flow to Operating Cash Flow
1.00 1.00 1.00 1.00 0.99
Dividend Paid and CapEx Coverage Ratio
574.47 632.17 300.95 399.58 140.71
Capital Expenditure Coverage Ratio
574.47 632.17 300.95 399.58 140.71
Operating Cash Flow Coverage Ratio
0.17 0.18 0.24 0.27 0.23
Operating Cash Flow to Sales Ratio
0.48 0.53 0.64 0.68 0.58
Free Cash Flow Yield
19.47%19.64%17.39%19.20%9.60%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
13.05 23.34 24.12 12.01 11.54
Price-to-Sales (P/S) Ratio
2.44 2.71 3.67 3.53 5.98
Price-to-Book (P/B) Ratio
3.63 3.31 3.93 3.96 6.06
Price-to-Free Cash Flow (P/FCF) Ratio
5.14 5.09 5.75 5.21 10.42
Price-to-Operating Cash Flow Ratio
5.07 5.08 5.73 5.19 10.34
Price-to-Earnings Growth (PEG) Ratio
-4.35 -2.62 -0.55 -0.36 0.08
Price-to-Fair Value
3.63 3.31 3.93 3.96 6.06
Enterprise Value Multiple
16.89 32.00 30.75 14.57 12.21
Enterprise Value
11.45B 11.29B 11.50B 10.61B 15.66B
EV to EBITDA
16.89 32.00 30.75 14.57 12.21
EV to Sales
4.99 5.29 6.12 5.82 8.46
EV to Free Cash Flow
10.51 9.94 9.58 8.59 14.75
EV to Operating Cash Flow
10.49 9.92 9.55 8.56 14.64
Tangible Book Value Per Share
139.67 141.98 135.39 119.73 113.40
Shareholders’ Equity Per Share
139.67 141.98 135.39 119.73 113.40
Tax and Other Ratios
Effective Tax Rate
0.25 0.25 0.22 0.25 0.24
Revenue Per Share
210.32 173.20 145.12 134.40 115.06
Net Income Per Share
38.86 20.12 22.09 39.50 59.57
Tax Burden
0.75 0.75 0.78 0.75 0.76
Interest Burden
0.86 1.01 1.06 1.01 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.07 0.05 0.05 0.05 0.05
Stock-Based Compensation to Revenue
0.02 0.02 0.02 0.02 0.01
Income Quality
2.41 4.59 4.21 2.31 1.12
Currency in USD