Credit Acceptance Corp. (CACC)
NASDAQ:CACC
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Total Valuation
Credit Acceptance has a market cap or net worth of $5.70B. The enterprise value is $12.08B.
Market Cap$5.70B
Enterprise Value$12.08B
Share Statistics
Credit Acceptance has 10,460,071 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding10,460,071
Owned by Insiders24.08%
Owned by Institutions32.72%
Financial Efficiency
Credit Acceptance’s return on equity (ROE) is 0.28 and return on invested capital (ROIC) is 8.62%.
Return on Equity (ROE)0.28
Return on Assets (ROA)0.04
Return on Invested Capital (ROIC)8.62%
Return on Capital Employed (ROCE)0.15
Revenue Per Employee953.19K
Profits Per Employee174.37K
Employee Count2,431
Asset Turnover0.24
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Credit Acceptance is 8.4. Credit Acceptance’s PEG ratio is 0.13.
PE Ratio8.4
PS Ratio2.12
PB Ratio3.22
Price to Fair Value3.22
Price to FCF4.67
Price to Operating Cash Flow5.55
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 Profit2.29B
Operating Income1.10B
Pretax Income565.40M
Net Income423.90M
EBITDA1.06B
Earnings Per Share (EPS)38.26
Cash Flow
In the last 12 months, operating cash flow was 1.06B and capital expenditures -2.60M, giving a free cash flow of 1.05B billion.
Operating Cash Flow1.06B
Free Cash Flow1.05B
Free Cash Flow per Share100.63
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
Beta1.41
52-Week Price Change14.26%
50-Day Moving Average490.94
200-Day Moving Average480.17
Relative Strength Index (RSI)58.92
Average Volume (3m)132.55K
Important Dates
Credit Acceptance upcoming earnings date is Aug 5, 2026, After Close (Confirmed).
Last Earnings DateMay 5, 2026
Next Earnings DateAug 5, 2026
Ex-Dividend Date―
Financial Position
Credit Acceptance as a current ratio of 0.26, with Debt / Equity ratio of 423.26%
Current Ratio0.26
Quick Ratio0.26
Debt to Market Cap1.29
Net Debt to EBITDA5.54
Interest Coverage Ratio2.38
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 10.18, with an EV/FCF ratio of 10.22.
EV to Sales4.65
EV to EBITDA10.18
EV to Free Cash Flow10.22
EV to Operating Cash Flow10.21
Balance Sheet
Credit Acceptance has $25.70M in cash and marketable securities with $6.41B in debt, giving a net cash position of -$6.38B billion.
Cash & Marketable Securities$25.70M
Total Debt$6.41B
Net Cash-$6.38B
Net Cash Per Share-$610.22
Tangible Book Value Per Share$137.53
Margins
Gross margin is 80.31%, with operating margin of 47.63%, and net profit margin of 18.29%.
Gross Margin80.31%
Operating Margin47.63%
Pretax Margin24.40%
Net Profit Margin18.29%
EBITDA Margin45.63%
EBIT Margin44.38%
Analyst Forecast
The average price target for Credit Acceptance is $520.00, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$520.00
Price Target Upside-1.43% Downside
Analyst ConsensusHold
Analyst Count2
Revenue Growth Forecast4.52%
EPS Growth Forecast72.48%