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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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341 Followers

Credit Acceptance Ratios

CACC's free cash flow for Q2 2025 was $0.99. For the 2025 fiscal year, CACC's free cash flow was decreased by $ and operating cash flow was $0.40. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	19.00	0.03	25.81	39.62	39.58
Quick Ratio	19.00	0.03	25.81	33.80	34.28
Cash Ratio	1.24	0.03	0.03	0.13	0.09
Solvency Ratio	0.06	0.05	0.28	0.26	0.26
Operating Cash Flow Ratio	2.43	3.01	4.70	6.10	5.27
Short-Term Operating Cash Flow Coverage	17.39	0.00	0.00	411.31	10.27
Net Current Asset Value	$ 1.50B	$ -5.84B	$ 1.52B	$ 1.72B	$ 2.21B
Leverage Ratios
Debt-to-Assets Ratio	0.74	0.67	0.66	0.65	0.62
Debt-to-Equity Ratio	4.16	2.89	2.83	2.53	2.00
Debt-to-Capital Ratio	0.81	0.74	0.74	0.72	0.67
Long-Term Debt-to-Capital Ratio	0.80	0.74	0.74	0.72	0.67
Financial Leverage Ratio	5.61	4.34	4.25	3.87	3.25
Debt Service Coverage Ratio	6.06	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	1.21	0.72	0.71	0.42	0.76
Interest Debt Per Share	559.11	391.21	338.45	297.19	268.81
Net Debt to EBITDA	11.35	13.52	6.44	3.64	8.14
Profitability Margins
Gross Profit Margin	71.14%	67.54%	59.90%	76.64%	74.29%
EBIT Margin	29.08%	18.26%	59.30%	69.65%	34.13%
EBITDA Margin	23.16%	19.66%	60.09%	69.94%	34.84%
Operating Profit Margin	29.08%	23.14%	57.93%	68.48%	33.37%
Pretax Profit Margin	24.82%	19.33%	60.09%	69.94%	33.93%
Net Profit Margin	18.88%	15.04%	45.24%	53.15%	25.99%
Continuous Operations Profit Margin	18.88%	15.04%	45.24%	53.15%	25.99%
Net Income Per EBT	76.07%	77.83%	75.28%	76.00%	76.62%
EBT Per EBIT	85.37%	83.53%	103.73%	102.13%	101.67%
Return on Assets (ROA)	4.86%	3.76%	7.76%	13.59%	5.62%
Return on Equity (ROE)	25.48%	16.31%	32.99%	52.53%	18.28%
Return on Capital Employed (ROCE)	7.90%	6.10%	10.33%	17.96%	7.40%
Return on Invested Capital (ROIC)	5.99%	4.75%	7.78%	13.64%	5.60%
Return on Tangible Assets	4.86%	3.76%	7.68%	13.48%	5.57%
Earnings Yield	7.73%	4.15%	8.33%	8.66%	6.81%
Efficiency Ratios
Receivables Turnover	239.09	442.30	0.19	0.28	0.23
Payables Turnover	0.00	1.94	1.82	2.41	2.23
Inventory Turnover	0.00	0.00	0.00	0.41	0.42
Fixed Asset Turnover	170.26	40.90	23.04	31.46	27.27
Asset Turnover	0.26	0.25	0.17	0.26	0.22
Working Capital Turnover Ratio	0.27	0.62	0.18	0.26	0.23
Cash Conversion Cycle	1.53	-187.65	1.74K	2.04K	2.27K
Days of Sales Outstanding	1.53	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	0.00	188.47	200.40	151.69	163.65
Operating Cycle	1.53	0.83	1.94K	2.19K	2.43K
Cash Flow Ratios
Operating Cash Flow Per Share	95.89	92.93	91.32	66.48	55.17
Free Cash Flow Per Share	95.74	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	652.82	300.95	399.58	140.71	115.91
Capital Expenditure Coverage Ratio	652.82	300.95	399.58	140.71	115.91
Operating Cash Flow Coverage Ratio	0.17	0.24	0.27	0.23	0.21
Operating Cash Flow to Sales Ratio	0.49	0.63	1.05	0.59	0.61
Free Cash Flow Yield	20.78%	17.39%	19.20%	9.60%	15.80%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.94	24.12	12.01	11.54	14.68
Price-to-Sales (P/S) Ratio	2.37	3.63	5.43	6.14	3.82
Price-to-Book (P/B) Ratio	3.53	3.93	3.96	6.06	2.68
Price-to-Free Cash Flow (P/FCF) Ratio	4.81	5.75	5.21	10.42	6.33
Price-to-Operating Cash Flow Ratio	4.95	5.73	5.19	10.34	6.27
Price-to-Earnings Growth (PEG) Ratio	0.27	-0.55	-0.36	0.08	-0.46
Price-to-Fair Value	3.53	3.93	3.96	6.06	2.68
Enterprise Value Multiple	21.60	31.97	15.48	12.42	19.09
Enterprise Value	11.24B	11.95B	11.02B	15.65B	10.77B
EV to EBITDA	21.60	31.97	15.48	12.42	19.09
EV to Sales	5.00	6.29	9.30	8.68	6.65
EV to Free Cash Flow	10.14	9.96	8.92	14.74	11.03
EV to Operating Cash Flow	10.13	9.93	8.89	14.64	10.94
Tangible Book Value Per Share	134.33	135.39	119.73	113.40	128.93
Shareholders’ Equity Per Share	134.33	135.39	119.73	113.40	128.93
Tax and Other Ratios
Effective Tax Rate	0.24	0.22	0.25	0.24	0.23
Revenue Per Share	194.18	146.83	87.32	112.08	90.69
Net Income Per Share	36.67	22.09	39.50	59.57	23.57
Tax Burden	0.76	0.78	0.75	0.76	0.77
Interest Burden	0.85	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	2.61	4.21	2.31	1.12	2.34

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