Education
About Us
Working with TipRanks
Follow Us
Credit Acceptance (CACC)
:CACC
Total Valuation
Credit Acceptance has a market cap or net worth of $5.07B. The enterprise value is $11.90B.
Market Cap$5.07B
Enterprise Value$11.90B
Share Statistics
Credit Acceptance has 11,237,661 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding11,237,661
Owned by Insiders26.33%
Owned by Institutions1.81%
Financial Efficiency
Credit Acceptance’s return on equity (ROE) is 0.14 and return on invested capital (ROIC) is 2.90%.
Return on Equity (ROE)0.14
Return on Assets (ROA)0.03
Return on Invested Capital (ROIC)2.90%
Return on Capital Employed (ROCE)0.04
Revenue Per Employee877.95K
Profits Per Employee101.97K
Employee Count2,431
Asset Turnover0.24
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Credit Acceptance is 13.0. Credit Acceptance’s PEG ratio is -2.62.
PE Ratio13.0
PS Ratio2.71
PB Ratio3.31
Price to Fair Value3.31
Price to FCF5.09
Price to Operating Cash Flow4.70
PEG Ratio-2.62
Income Statement
In the last 12 months, Credit Acceptance had revenue of 2.13B and earned 247.90M in profits. Earnings per share was 20.12.
Revenue2.13B
Gross Profit1.33B
Operating Income325.10M
Pretax Income329.50M
Net Income247.90M
EBITDA352.90M
Earnings Per Share (EPS)20.12
Cash Flow
In the last 12 months, operating cash flow was 1.11B and capital expenditures -1.70M, giving a free cash flow of 1.11B billion.
Operating Cash Flow1.11B
Free Cash Flow1.11B
Free Cash Flow per Share98.61
Dividends & Yields
Credit Acceptance pays an annual dividend of ―, resulting in a dividend yield of ―
Dividend Per Share―
Dividend Yield―
Payout RatioN/A
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.26
52-Week Price Change-1.65%
50-Day Moving Average502.47
200-Day Moving Average488.00
Relative Strength Index (RSI)31.39
Average Volume (3m)146.78K
Important Dates
Credit Acceptance upcoming earnings date is Nov 3, 2025, After Close (Confirmed).
Last Earnings DateJul 31, 2025
Next Earnings DateNov 3, 2025
Ex-Dividend Date―
Financial Position
Credit Acceptance as a current ratio of 20.11, with Debt / Equity ratio of 0.00%
Current Ratio20.11
Quick Ratio20.11
Debt to Market Cap1.10
Net Debt to EBITDA17.03
Interest Coverage Ratio0.00
Taxes
In the past 12 months, Credit Acceptance has paid 81.60M in taxes.
Income Tax81.60M
Effective Tax Rate0.25
Enterprise Valuation
Credit Acceptance EV to EBITDA ratio is 33.42, with an EV/FCF ratio of 10.38.
EV to Sales5.53
EV to EBITDA33.42
EV to Free Cash Flow10.38
EV to Operating Cash Flow10.37
Balance Sheet
Credit Acceptance has $572.30M in cash and marketable securities with $6.47B in debt, giving a net cash position of $5.90B billion.
Cash & Marketable Securities$572.30M
Total Debt$6.47B
Net Cash$5.90B
Net Cash Per Share$524.92
Tangible Book Value Per Share$141.98
Margins
Gross margin is 45.47%, with operating margin of 15.23%, and net profit margin of 11.62%.
Gross Margin45.47%
Operating Margin15.23%
Pretax Margin15.44%
Net Profit Margin11.62%
EBITDA Margin16.53%
EBIT Margin15.23%
Analyst Forecast
The average price target for Credit Acceptance is $504.50, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$504.50
Price Target Upside11.88% Upside
Analyst ConsensusHold
Analyst Count2
Revenue Growth Forecast12.63%
EPS Growth Forecast149.03%