Credit Acceptance Corporation CACC
555.68
8.28
1.51%
as of 25 Sep
- Market cap
- $5.7B
- P/E
- 12.0×
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Growth Flags
show if company had growth for consecutive years
| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
13.21 | 13.61 | 12.93 | 12.74 | 14.53 | 11.53 | 11.67 | 24.42 | 23.32 | 11.94 |
P/S ratio |
4.54 | 5.77 | 5.77 | 5.61 | 3.70 | 5.96 | 0.00 | 3.68 | 2.68 | 2.19 |
P/FCF ratio |
8.77 | 11.49 | 10.94 | 10.64 | 6.33 | 10.42 | 0.00 | 5.83 | 5.08 | 4.82 |
P/Operating CF |
30.61 | 42.32 | 36.59 | 40.92 | 30.57 | 84.38 | (1.00) | 22.48 | 18.89 | 18.86 |
P/B ratio |
3.75 | 4.17 | 3.73 | 3.55 | 2.68 | 6.06 | 0.00 | 3.99 | 3.31 | 3.33 |
Price to Tangible BV |
3.75 | 4.17 | 3.73 | 3.55 | 2.68 | 6.06 | 0.00 | 3.99 | 3.31 | 3.33 |
EV/Sales |
7.02 | 8.26 | 8.44 | 9.30 | 6.19 | 8.18 | 14.64 | 6.05 | 5.17 | 4.67 |
EV/EBITDA |
10.15 | 12.34 | 11.34 | 12.52 | 12.74 | 10.19 | 23.08 | 15.68 | 12.80 | 9.60 |
EV/Operating CF |
13.41 | 16.20 | 15.42 | 17.05 | 10.48 | 14.20 | 3.08 | 9.55 | 9.83 | 10.26 |
EV/FCF |
13.56 | 16.44 | 15.99 | 17.63 | 10.57 | 14.30 | 3.09 | 9.58 | 9.82 | 10.28 |
Quick Ratio |
1.71 | 1.52 | 1.10 | 3.11 | 2.15 | 3.41 | 1.70 | 1.19 | 2.21 | 1.33 |
Current Ratio |
24.92 | 24.00 | 17.07 | 35.47 | 26.16 | 39.04 | 23.10 | 15.71 | 20.33 | 16.91 |
Net Debt/EBITDA |
4.58 | 3.72 | 3.59 | 4.96 | 5.12 | 2.76 | 24.82 | 6.14 | 6.18 | 5.10 |
Debt/Assets |
79.51% | 61.59% | 61.26% | 81.75% | 61.54% | 65.47% | 66.49% | 66.59% | 71.75% | 73.61% |
Debt/Equity |
2.86 | 2.00 | 1.92 | 2.58 | 2.00 | 2.53 | 2.83 | 2.89 | 3.63 | 4.17 |
Asset Turnover |
0.26 | 0.24 | 0.23 | 0.22 | 0.22 | 0.26 | 0.04 | 0.26 | 0.26 | 0.27 |
Operating CF/Net income |
1.52 | 1.20 | 1.23 | 1.24 | 2.34 | 1.12 | (32.43) | 4.21 | 4.59 | 2.49 |
Capex/Depreciation |
(0.36) | (0.51) | (1.29) | (1.20) | (0.36) | (0.29) | (0.12) | (0.15) | 0.05 | (0.06) |
Interest Coverage |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 31.67% | 34.71% | 32.55% | 30.19% | 18.08% | 46.44% | (2.22%) | 16.94% | 14.15% | 25.90% | |
| 8.77% | 10.22% | 10.23% | 9.61% | 5.65% | 13.18% | (0.55%) | 3.94% | 3.01% | 4.85% | |
ROIC |
9.65% | 10.57% | 10.81% | 8.63% | 7.63% | 15.39% | 1.52% | 7.06% | 7.40% | 9.47% |
Return on Tangible Assets |
8.27% | 9.91% | 9.83% | 9.14% | 5.87% | 14.05% | (0.58%) | 4.03% | 2.96% | 5.24% |
Average Days of Receivables |
0.87 | 0.72 | 2.24 | 16.23 | 32.14 | 21.48 | 12.19 | 0.83 | 0.71 | 10.59 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
23.12% | 22.88% | 22.65% | 22.07% | 19.51% | 20.67% | 16.28% | 24.14% | 23.19% | 25.89% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.76% | 1.39% | 0.80% | 0.51% | 0.37% | 1.34% | 14.01% | 2.06% | 2.08% | 2.19% |
Graham Net Nets |
0.26 | 0.23 | 0.26 | 0.27 | 0.36 | 0.16 | (5.27) | 0.24 | 0.29 | 0.29 |
Graham Number |
145.86 | 206.84 | 260.77 | 311.97 | 262.92 | 390.10 | 0.00 | 259.58 | 253.58 | 333.44 |
Earnings Yield |
7.57% | 7.35% | 7.73% | 7.85% | 6.88% | 8.67% | 8.57% | 4.10% | 4.29% | 8.38% |
Free Cash Flow Yield |
11.41% | 8.70% | 9.14% | 9.40% | 15.80% | 9.60% | (429.51%) | 17.15% | 19.69% | 20.74% |
Revenue per Share |
47.67 | 56.93 | 66.12 | 78.78 | 93.47 | 115.38 | (413.36) | 146.83 | 175.47 | 202.35 |
Operating CF per Share |
24.95 | 29.03 | 36.20 | 42.98 | 55.17 | 66.48 | (1,965.57) | 92.93 | 92.34 | 92.09 |
Capex per Share |
(0.27) | (0.43) | (1.29) | (1.42) | (0.48) | (0.47) | 4.92 | (0.31) | 0.11 | (0.14) |
Free Cash Flow per Share |
24.68 | 28.60 | 34.91 | 41.56 | 54.69 | 66.01 | (1,960.65) | 92.62 | 92.45 | 91.95 |
Cash per Share |
14.00 | 15.89 | 19.95 | 30.53 | 25.89 | 30.85 | (777.53) | 43.55 | 77.20 | 53.00 |
Shareholders Equity per Share |
57.73 | 78.77 | 102.38 | 124.62 | 128.93 | 113.40 | (2,576.96) | 135.39 | 141.98 | 133.05 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | (0.01) | 0.00 | 0.00 | 0.00 |
Book value per Share |
57.73 | 78.77 | 102.38 | 124.62 | 128.93 | 113.40 | (2,576.96) | 135.39 | 141.98 | 133.05 |
Free Cash Flow |
501.70 | 557.60 | 678.80 | 785.50 | 976.70 | 1,061.80 | 1,235.60 | 1,199.80 | 1,139.30 | 1,053.00 |
Working Capital |
4,006.00 | 4,726.20 | 5,798.30 | 7,121.80 | 7,114.40 | 6,764.00 | 6,502.20 | 7,044.70 | 8,372.80 | 8,075.80 |
Capital Expenditures |
(5.50) | (8.40) | (25.10) | (26.80) | (8.50) | (7.60) | (3.10) | (4.00) | 1.40 | (1.60) |
Net Current Asset Value |
1,129.20 | 1,481.90 | 1,912.60 | 2,260.50 | 2,210.70 | 1,715.10 | 1,515.70 | 1,667.20 | 1,700.90 | 1,475.20 |
EV/EBIT |
10.39 | 12.62 | 11.58 | 12.78 | 13.13 | 10.37 | 27.31 | 16.27 | 13.22 | 9.83 |
Capex to Sales |
0.01 | 0.01 | 0.02 | 0.02 | 0.01 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 |
Net Profit Margin |
34.34% | 42.36% | 44.64% | 44.06% | 25.22% | 51.63% | (14.66%) | 15.04% | 11.46% | 18.29% |
Price to Operating Income |
6.72 | 8.82 | 7.92 | 7.71 | 7.86 | 7.56 | 0.00 | 9.90 | 6.84 | 4.61 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.84 | 0.80 | 0.49 | 0.38 | 0.40 | 0.46 | 0.50 | 0.57 | 1.89 | 2.11 |
Cash ROIC |
10.16% | 11.10% | 10.71% | 8.36% | 12.56% | 14.59% | 17.71% | 15.67% | 12.41% | 12.28% |
Accounts Receivable Turnover |
157.59 | 493.33 | 254.61 | 40.19 | 15.66 | 14.49 | 4.42 | 292.60 | 508.80 | 64.91 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
6.15 | 2.25 | 5.05 | 37.05 | 106.60 | 128.10 | 58.95 | 6.50 | 4.25 | 35.70 |
Average Payables |
135.85 | 147.80 | 169.05 | 196.40 | 196.55 | 180.85 | 217.90 | 289.80 | 317.30 | 358.00 |
Average Assets |
3,795.30 | 4,601.80 | 5,611.50 | 6,830.30 | 7,456.10 | 7,269.95 | 6,977.80 | 7,257.45 | 8,232.40 | 8,743.15 |
Average Common Equity |
1,050.90 | 1,354.75 | 1,763.35 | 2,173.10 | 2,328.90 | 2,063.35 | 1,724.10 | 1,688.85 | 1,751.65 | 1,636.60 |
Columns are period end dates