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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 $5.64B. The enterprise value is $11.32B.
Market Cap$5.64B
Enterprise Value$11.32B

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 Insiders21.77%
Owned by Institutions0.07%

Financial Efficiency

Credit Acceptance’s return on equity (ROE) is 0.14 and return on invested capital (ROIC) is 280.17%.
Return on Equity (ROE)0.14
Return on Assets (ROA)0.03
Return on Invested Capital (ROIC)280.17%
Return on Capital Employed (ROCE)0.03
Revenue Per Employee877.95K
Profits Per Employee101.97K
Employee Count2,431
Asset Turnover0.22
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Credit Acceptance is 13.6. Credit Acceptance’s PEG ratio is -2.62.
PE Ratio13.6
PS Ratio2.71
PB Ratio3.31
Price to Fair Value3.31
Price to FCF5.09
Price to Operating Cash Flow4.96
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 1.09B 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

Beta1.21
52-Week Price Change-4.50%
50-Day Moving Average459.64
200-Day Moving Average481.71
Relative Strength Index (RSI)61.13
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 0.00, with Debt / Equity ratio of 417.03%
Current Ratio0.00
Quick Ratio0.00
Debt to Market Cap1.10
Net Debt to EBITDA15.61
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 32.00, with an EV/FCF ratio of 9.94.
EV to Sales5.29
EV to EBITDA32.00
EV to Free Cash Flow9.94
EV to Operating Cash Flow9.92

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$141.98

Margins

Gross margin is 71.17%, with operating margin of 15.23%, and net profit margin of 11.62%.
Gross Margin71.17%
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 $470.00, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$470.00
Price Target Upside-5.24% Downside
Analyst ConsensusHold
Analyst Count1
Revenue Growth Forecast10.30%
EPS Growth Forecast154.64%

Scores

Smart Score1
AI Score