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Credit Acceptance Corp. (CACC)
NASDAQ:CACC
US Market
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 2026 was $0.99. For the 2026 fiscal year, CACC's free cash flow was decreased by $ and operating cash flow was $0.49. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 20.57 0.26 0.00 0.00 0.00
Quick Ratio
 20.57 0.26 0.00 0.00 0.00
Cash Ratio
 0.06 0.23 0.00 0.00 0.00
Solvency Ratio
 0.07 0.06 0.03 0.05 0.09
Operating Cash Flow Ratio
 2.54 0.48 0.00 0.00 0.00
Short-Term Operating Cash Flow Coverage
 0.00 0.48 13.03 16.25 0.82
Net Current Asset Value
$ 1.36B$ -7.50B$ -7.99B$ -6.64B$ -6.01B
Leverage Ratios
Debt-to-Assets Ratio
 0.74 0.66 0.65 0.60 0.60
Debt-to-Equity Ratio
 4.23 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
 0.81 0.73 0.78 0.74 0.65
Financial Leverage Ratio
 5.74 6.30 5.57 4.79 4.70
Debt Service Coverage Ratio
 3.10 0.35 3.11 3.95 0.37
Interest Coverage Ratio
 3.79 2.38 0.00 0.00 0.00
Debt to Market Cap
 1.12 1.29 1.10 0.73 0.71
Interest Debt Per Share
 617.39 615.33 515.53 391.21 338.45
Net Debt to EBITDA
 7.66 5.54 15.61 12.29 5.73
Profitability Margins
Gross Profit Margin
80.31%98.75%62.41%67.16%73.94%
EBIT Margin
34.89%44.38%15.23%18.48%38.52%
EBITDA Margin
36.05%45.63%16.53%19.89%39.93%
Operating Profit Margin
36.44%47.63%15.23%18.48%38.52%
Pretax Profit Margin
25.90%24.40%15.44%19.56%39.04%
Net Profit Margin
19.61%18.29%11.62%15.22%29.39%
Continuous Operations Profit Margin
19.61%18.29%11.62%15.22%29.39%
Net Income Per EBT
75.73%74.97%75.24%77.83%75.28%
EBT Per EBIT
71.06%51.23%101.35%105.85%101.34%
Return on Assets (ROA)
5.21%4.42%2.54%3.41%7.02%
Return on Equity (ROE)
29.39%27.82%14.17%16.31%32.99%
Return on Capital Employed (ROCE)
10.18%14.88%3.34%4.14%9.20%
Return on Invested Capital (ROIC)
7.71%8.62%280.17%364.78%35.06%
Return on Tangible Assets
5.21%4.42%2.54%3.41%7.02%
Earnings Yield
7.75%8.63%4.29%4.15%8.33%
Efficiency Ratios
Receivables Turnover
 0.29 34.48 508.17 437.16 209.54
Payables Turnover
 1.10 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 175.14 183.90 145.19 40.43 35.47
Asset Turnover
 0.27 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
 927.78 10.59 0.72 0.83 1.74
Days of Sales Outstanding
 1.26K 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
 333.01 0.00 0.00 0.00 0.00
Operating Cycle
 1.26K 10.59 0.72 0.83 1.74
Cash Flow Ratios
Operating Cash Flow Per Share
 98.25 95.20 92.34 92.93 91.32
Free Cash Flow Per Share
 98.01 95.05 92.19 92.62 91.09
CapEx Per Share
 0.24 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
 405.85 659.12 632.17 300.95 399.58
Capital Expenditure Coverage Ratio
 405.85 659.12 632.17 300.95 399.58
Operating Cash Flow Coverage Ratio
 0.16 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
18.47%21.43%19.64%17.39%19.20%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 12.91 11.59 23.34 24.12 12.01
Price-to-Sales (P/S) Ratio
 2.46 2.12 2.71 3.67 3.53
Price-to-Book (P/B) Ratio
 3.86 3.22 3.31 3.93 3.96
Price-to-Free Cash Flow (P/FCF) Ratio
 5.41 4.67 5.09 5.75 5.21
Price-to-Operating Cash Flow Ratio
 5.55 4.66 5.08 5.73 5.19
Price-to-Earnings Growth (PEG) Ratio
 0.18 0.13 -2.62 -0.55 -0.36
Price-to-Fair Value
 3.86 3.22 3.31 3.93 3.96
Enterprise Value Multiple
 14.49 10.18 32.00 30.75 14.57
Enterprise Value
 12.08B 10.77B 11.29B 11.50B 10.61B
EV to EBITDA
 14.49 10.18 32.00 30.75 14.57
EV to Sales
 5.23 4.65 5.29 6.12 5.82
EV to Free Cash Flow
 11.48 10.22 9.94 9.58 8.59
EV to Operating Cash Flow
 11.45 10.21 9.92 9.55 8.56
Tangible Book Value Per Share
 140.98 137.53 141.98 135.39 119.73
Shareholders’ Equity Per Share
 140.98 137.53 141.98 135.39 119.73
Tax and Other Ratios
Effective Tax Rate
 0.24 0.25 0.25 0.22 0.25
Revenue Per Share
 215.26 209.17 173.20 145.12 134.40
Net Income Per Share
 42.22 38.26 20.12 22.09 39.50
Tax Burden
 0.76 0.75 0.75 0.78 0.75
Interest Burden
 0.74 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
 0.08 0.00 0.09 0.05 0.05
Stock-Based Compensation to Revenue
 0.02 0.02 0.02 0.02 0.02
Income Quality
 2.33 2.49 4.59 4.21 2.31
Currency in USD