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STOCKS

Credit Acceptance Corp. (CACC)

NASDAQ:CACC

CACC

Credit Acceptance

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Credit Acceptance (CACC) Ratios

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Credit Acceptance Ratios

CACC's free cash flow for Q1 2025 was $0.59. For the 2025 fiscal year, CACC's free cash flow was decreased by $ and operating cash flow was $0.00. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	20.11	0.03	25.81	39.62	39.58
Quick Ratio	20.11	0.03	25.81	33.80	34.28
Cash Ratio	1.95	0.03	0.03	0.13	0.09
Solvency Ratio	0.04	0.05	0.28	0.26	0.26
Operating Cash Flow Ratio	2.63	3.01	4.70	6.10	5.27
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	411.31	10.27
Net Current Asset Value	$ 1.60B	$ -5.84B	$ 1.52B	$ 1.72B	$ 2.21B
Leverage Ratios
Debt-to-Assets Ratio	0.72	0.67	0.66	0.65	0.62
Debt-to-Equity Ratio	3.63	2.89	2.83	2.53	2.00
Debt-to-Capital Ratio	0.78	0.74	0.74	0.72	0.67
Long-Term Debt-to-Capital Ratio	0.00	0.74	0.74	0.72	0.67
Financial Leverage Ratio	5.06	4.34	4.25	3.87	3.25
Debt Service Coverage Ratio	0.00	0.00	0.00	5.74	1.51
Interest Coverage Ratio	0.00	0.00	0.00	7.51	2.82
Debt to Market Cap	0.00	0.72	0.71	0.42	0.76
Interest Debt Per Share	515.52	391.21	338.45	297.19	268.81
Net Debt to EBITDA	15.61	13.52	6.44	3.64	8.14
Profitability Margins
Gross Profit Margin	62.41%	67.54%	59.90%	76.64%	74.29%
EBIT Margin	15.23%	18.26%	59.30%	69.65%	34.13%
EBITDA Margin	16.53%	19.66%	60.09%	69.94%	34.84%
Operating Profit Margin	15.23%	23.14%	57.93%	68.48%	33.37%
Pretax Profit Margin	15.44%	19.33%	60.09%	69.94%	33.93%
Net Profit Margin	11.62%	15.04%	45.24%	53.15%	25.99%
Continuous Operations Profit Margin	11.62%	15.04%	45.24%	53.15%	25.99%
Net Income Per EBT	75.24%	77.83%	75.28%	76.00%	76.62%
EBT Per EBIT	101.35%	83.53%	103.73%	102.13%	101.67%
Return on Assets (ROA)	2.80%	3.76%	7.76%	13.59%	5.62%
Return on Equity (ROE)	14.17%	16.31%	32.99%	52.53%	18.28%
Return on Capital Employed (ROCE)	3.86%	6.10%	10.33%	17.96%	7.40%
Return on Invested Capital (ROIC)	2.90%	4.75%	7.78%	13.64%	5.60%
Return on Tangible Assets	2.80%	3.76%	7.68%	13.48%	5.57%
Earnings Yield	4.29%	4.15%	8.33%	8.66%	6.81%
Efficiency Ratios
Receivables Turnover	0.27	442.30	0.19	0.28	0.23
Payables Turnover	2.54	1.94	1.82	2.41	2.23
Inventory Turnover	0.00	0.00	0.00	0.41	0.42
Fixed Asset Turnover	145.19	40.90	23.04	31.46	27.27
Asset Turnover	0.24	0.25	0.17	0.26	0.22
Working Capital Turnover Ratio	0.54	0.62	0.18	0.26	0.23
Cash Conversion Cycle	1.20K	-187.65	1.74K	2.04K	2.27K
Days of Sales Outstanding	1.34K	0.83	1.94K	1.30K	1.56K
Days of Inventory Outstanding	0.00	0.00	0.00	883.51	868.32
Days of Payables Outstanding	143.69	188.47	200.40	151.69	163.65
Operating Cycle	1.34K	0.83	1.94K	2.19K	2.43K
Cash Flow Ratios
Operating Cash Flow Per Share	92.34	92.93	91.32	66.48	55.17
Free Cash Flow Per Share	92.19	92.62	91.09	66.01	54.69
CapEx Per Share	0.15	0.31	0.23	0.47	0.48
Free Cash Flow to Operating Cash Flow	1.00	1.00	1.00	0.99	0.99
Dividend Paid and CapEx Coverage Ratio	632.17	300.95	399.58	140.71	115.91
Capital Expenditure Coverage Ratio	632.17	300.95	399.58	140.71	115.91
Operating Cash Flow Coverage Ratio	0.18	0.24	0.27	0.23	0.21
Operating Cash Flow to Sales Ratio	0.53	0.63	1.05	0.59	0.61
Free Cash Flow Yield	19.64%	17.39%	19.20%	9.60%	15.80%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	23.34	24.12	12.01	11.54	14.68
Price-to-Sales (P/S) Ratio	2.71	3.63	5.43	6.14	3.82
Price-to-Book (P/B) Ratio	3.31	3.93	3.96	6.06	2.68
Price-to-Free Cash Flow (P/FCF) Ratio	5.09	5.75	5.21	10.42	6.33
Price-to-Operating Cash Flow Ratio	5.08	5.73	5.19	10.34	6.27
Price-to-Earnings Growth (PEG) Ratio	-2.62	-0.55	-0.36	0.08	-0.46
Price-to-Fair Value	3.31	3.93	3.96	6.06	2.68
Enterprise Value Multiple	32.00	31.97	15.48	12.42	19.09
Enterprise Value	―	―	―	―	―
EV to EBITDA	32.00	31.97	15.48	12.42	19.09
EV to Sales	5.29	6.29	9.30	8.68	6.65
EV to Free Cash Flow	9.94	9.96	8.92	14.74	11.03
EV to Operating Cash Flow	9.92	9.93	8.89	14.64	10.94
Tangible Book Value Per Share	141.98	135.39	119.73	113.40	128.93
Shareholders’ Equity Per Share	141.98	135.39	119.73	113.40	128.93
Tax and Other Ratios
Effective Tax Rate	0.25	0.22	0.25	0.24	0.23
Revenue Per Share	173.19	146.83	87.32	112.08	90.69
Net Income Per Share	20.12	22.09	39.50	59.57	23.57
Tax Burden	0.75	0.78	0.75	0.76	0.77
Interest Burden	1.01	1.06	1.01	1.00	0.99
Research & Development to Revenue	0.00	0.00	<0.01	<0.01	<0.01
SG&A to Revenue	0.05	0.05	0.07	0.06	0.04
Stock-Based Compensation to Revenue	0.02	0.02	0.03	0.01	<0.01
Income Quality	4.59	4.21	2.31	1.12	2.34

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