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Saturday 7 November 2026
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Credit Acceptance Corporation
CACC Financial Credit Services
Credit Acceptance Corporation’s revenue for fiscal 2025 (year ended December 2025) was $2.3 billion, up 7.16% from fiscal 2024.
- Revenue
- +2.09%
- EPS
- −156.5%
- Free cash flow
- +11.8%
- Total debt
- +5.57%
Quarter to September 2026, against a year earlier
529.74
7.16
+1.37%
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| Sep '26 | Jun '26 | Mar '26 | Dec '25 | Older periods | |
|---|---|---|---|---|---|
P/E ratio |
16.93 | 13.72 | 10.33 | 11.94 |
+8 more quarters Free account |
P/S ratio |
2.36 | 2.86 | 1.96 | 2.19 | |
P/FCF ratio |
4.40 | 5.47 | 4.32 | 4.82 | |
P/Operating CF |
16.49 | 21.56 | 13.11 | 18.86 | |
P/B ratio |
3.98 | 4.20 | 3.00 | 3.33 | |
Price to Tangible BV |
3.98 | 4.20 | 3.00 | 3.33 | |
EV/Sales |
— | 5.30 | 4.43 | 4.67 | |
EV/EBITDA |
— | 10.39 | 8.94 | 9.60 | |
EV/Operating CF |
— | 10.08 | 9.76 | 10.26 | |
EV/FCF |
— | 10.11 | 9.78 | 10.28 | |
Quick Ratio |
1.07 | 1.07 | 1.09 | 1.33 | |
Current Ratio |
13.49 | 14.89 | 13.62 | 16.91 | |
Net Debt/EBITDA |
106.79 | 18.96 | 18.84 | 19.54 | |
Debt/Assets |
75.74% | 72.90% | 73.71% | 73.61% | |
Debt/Equity |
4.84 | 3.96 | 4.23 | 4.17 | |
Asset Turnover |
0.27 | 0.27 | 0.26 | 0.27 | |
Operating CF/Net income |
(5.93) | 2.28 | 2.55 | 2.21 | |
Capex/Depreciation |
(0.25) | (0.30) | (0.22) | (0.07) | |
Interest Coverage |
0.48 | 2.74 | 2.76 | 2.53 | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
22.27% | 22.83% | 24.34% | 27.99% | |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | |
Share Based Compensation of Revenue |
1.78% | 1.48% | 1.95% | 2.24% | |
Graham Net Nets |
0.24 | 0.23 | 0.32 | 0.29 | |
Graham Number |
306.75 | 397.87 | 360.58 | 333.44 | |
Earnings Yield |
5.91% | 7.29% | 9.68% | 8.38% | |
Free Cash Flow Yield |
22.71% | 18.30% | 23.14% | 20.74% | |
Revenue per Share |
57.08 | 56.04 | 54.00 | 50.64 | |
Operating CF per Share |
32.21 | 29.53 | 32.29 | 23.52 | |
Capex per Share |
(0.13) | (0.15) | (0.12) | (0.03) | |
Free Cash Flow per Share |
32.07 | 29.38 | 32.17 | 23.48 | |
Cash per Share |
62.14 | 58.08 | 61.53 | 53.00 | |
Shareholders Equity per Share |
133.37 | 151.60 | 140.98 | 133.05 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
133.37 | 151.60 | 140.98 | 133.05 | |
Free Cash Flow |
334.10 | 307.90 | 345.50 | 268.90 | |
Working Capital |
8,173.70 | 8,000.20 | 8,011.70 | 8,075.80 | |
Capital Expenditures |
(1.40) | (1.60) | (1.30) | (0.40) | |
Net Current Asset Value |
1,339.30 | 1,542.60 | 1,466.10 | 1,475.20 | |
EV/EBIT |
— | 10.60 | 9.14 | 9.83 | |
Capex to Sales |
0.00 | 0.00 | 0.00 | 0.00 | |
Price to Operating Income |
5.93 | 5.73 | 4.04 | 4.61 | |
| Other line items | |||||
Average Receivables |
31.55 | 8.90 | 17.90 | 35.70 | |
Average Payables |
404.95 | 386.40 | 396.15 | 358.00 | |
Average Assets |
8,759.25 | 8,673.60 | 8,976.30 | 8,743.15 | |
Average Common Equity |
1,483.95 | 1,571.80 | 1,612.50 | 1,636.60 |
Columns are period end dates · fundamentals updated 6 Nov 2026