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Credit Acceptance Corp. (CACC)
NASDAQ:CACC

Credit Acceptance (CACC) Stock Statistics & Valuation Metrics

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Total Valuation

Credit Acceptance has a market cap or net worth of $5.34B. The enterprise value is $11.19B.
Market Cap$5.34B
Enterprise Value$11.19B

Share Statistics

Credit Acceptance has 11,031,544 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding11,031,544
Owned by Insiders22.06%
Owned by Institutions14.10%

Financial Efficiency

Credit Acceptance’s return on equity (ROE) is 0.28 and return on invested capital (ROIC) is 7.48%.
Return on Equity (ROE)0.28
Return on Assets (ROA)0.05
Return on Invested Capital (ROIC)7.48%
Return on Capital Employed (ROCE)0.13
Revenue Per Employee953.19K
Profits Per Employee174.37K
Employee Count2,431
Asset Turnover0.27
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Credit Acceptance is 13.3. Credit Acceptance’s PEG ratio is 0.13.
PE Ratio13.3
PS Ratio2.12
PB Ratio3.22
Price to Fair Value3.22
Price to FCF4.67
Price to Operating Cash Flow4.84
PEG Ratio0.13

Income Statement

In the last 12 months, Credit Acceptance had revenue of 2.32B and earned 423.90M in profits. Earnings per share was 38.26.
Revenue2.32B
Gross Profit2.32B
Operating Income1.03B
Pretax Income565.40M
Net Income423.90M
EBITDA1.03B
Earnings Per Share (EPS)38.26

Cash Flow

In the last 12 months, operating cash flow was 1.09B and capital expenditures -1.90M, giving a free cash flow of 1.09B billion.
Operating Cash Flow1.09B
Free Cash Flow1.09B
Free Cash Flow per Share98.77

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

Beta1.22
52-Week Price Change-7.76%
50-Day Moving Average468.36
200-Day Moving Average482.84
Relative Strength Index (RSI)51.61
Average Volume (3m)132.55K

Important Dates

Credit Acceptance upcoming earnings date is May 4, 2026, After Close (Confirmed).
Last Earnings DateJan 29, 2026
Next Earnings DateMay 4, 2026
Ex-Dividend Date

Financial Position

Credit Acceptance as a current ratio of 21.28, with Debt / Equity ratio of 417.03%
Current Ratio21.28
Quick Ratio21.28
Debt to Market Cap1.74
Net Debt to EBITDA5.69
Interest Coverage Ratio2.22

Taxes

In the past 12 months, Credit Acceptance has paid 141.50M in taxes.
Income Tax141.50M
Effective Tax Rate0.25

Enterprise Valuation

Credit Acceptance EV to EBITDA ratio is 10.47, with an EV/FCF ratio of 10.22.
EV to Sales4.65
EV to EBITDA10.47
EV to Free Cash Flow10.22
EV to Operating Cash Flow10.21

Balance Sheet

Credit Acceptance has $15.90M in cash and marketable securities with $6.37B in debt, giving a net cash position of -$6.35B billion.
Cash & Marketable Securities$15.90M
Total Debt$6.37B
Net Cash-$6.35B
Net Cash Per Share-$575.90
Tangible Book Value Per Share$137.53

Margins

Gross margin is 71.17%, with operating margin of 44.43%, and net profit margin of 18.29%.
Gross Margin71.17%
Operating Margin44.43%
Pretax Margin24.40%
Net Profit Margin18.29%
EBITDA Margin44.38%
EBIT Margin44.38%

Analyst Forecast

The average price target for Credit Acceptance is $470.00, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$470.00
Price Target Upside-2.89% Downside
Analyst ConsensusHold
Analyst Count1
Revenue Growth Forecast10.30%
EPS Growth Forecast154.64%

Scores

Smart Score2
AI Score