CACC Credit Acceptance Corp

Price (delayed)

$345.87

Market cap

$6.1B

P/E Ratio

15.04

Dividend/share

N/A

EPS

$22.99

Enterprise value

$10.32B

Sector: Financial Services
Industry: Credit Services

Highlights

The gross profit rose by 11% YoY and by 3.1% QoQ
The revenue has grown by 11% YoY and by 3.1% from the previous quarter
The net income has decreased by 36% YoY but it has increased by 23% from the previous quarter
CACC's EPS is down by 32% year-on-year but it is up by 27% since the previous quarter

Key stats

What are the main financial stats of CACC
Market
Shares outstanding
17.65M
Market cap
$6.1B
Enterprise value
$10.32B
Valuations
Price to earnings (P/E)
15.04
Price to book (P/B)
2.64
Price to sales (P/S)
3.84
EV/EBIT
13.83
EV/EBITDA
13.41
EV/Sales
6.42
Earnings
Revenue
$1.61B
EBIT
$746.5M
EBITDA
$769.8M
Free cash flow
$976.4M
Per share
EPS
$22.99
Free cash flow per share
$54.72
Book value per share
$130.8
Revenue per share
$90.1
TBVPS
$415.89
Balance sheet
Total assets
$7.42B
Total liabilities
$5.11B
Debt
$4.62B
Equity
$2.31B
Working capital
N/A
Liquidity
Debt to equity
2
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
5.48
Margins
EBITDA margin
47.9%
Gross margin
100%
Net margin
25.9%
Operating margin
47%
Efficiency
Return on assets
5.7%
Return on equity
19.2%
Return on invested capital
6.4%
Return on capital employed
N/A
Return on sales
46.4%
Dividend
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A

CACC stock price

How has the Credit Acceptance stock price performed over time
Intraday
0%
1 week
-2.66%
1 month
3%
1 year
-23.61%
YTD
-0.08%
QTD
-0.08%

Financial performance

How have Credit Acceptance's revenue and profit performed over time
Revenue
$1.61B
Gross profit
$1.61B
Operating income
$755.7M
Net income
$416.6M
Gross margin
100%
Net margin
25.9%
The net margin has contracted by 42% YoY but it has grown by 19% from the previous quarter
The net income has decreased by 36% YoY but it has increased by 23% from the previous quarter
Credit Acceptance's operating margin has decreased by 34% YoY but it has increased by 11% from the previous quarter
CACC's operating income is down by 27% year-on-year but it is up by 15% since the previous quarter

Growth

What is Credit Acceptance's growth rate over time

Valuation

What is Credit Acceptance stock price valuation
P/E
15.04
P/B
2.64
P/S
3.84
EV/EBIT
13.83
EV/EBITDA
13.41
EV/Sales
6.42
CACC's EPS is down by 32% year-on-year but it is up by 27% since the previous quarter
CACC's price to earnings (P/E) is 9% higher than its 5-year quarterly average of 13.8 but 3.6% lower than its last 4 quarters average of 15.6
The stock's price to book (P/B) is 29% less than its 5-year quarterly average of 3.7 and 12% less than its last 4 quarters average of 3.0
The equity has grown by 12% from the previous quarter but it has contracted by 3.1% YoY
The stock's price to sales (P/S) is 25% less than its 5-year quarterly average of 5.1 and 11% less than its last 4 quarters average of 4.3
The revenue has grown by 11% YoY and by 3.1% from the previous quarter

Efficiency

How efficient is Credit Acceptance business performance
The return on assets has declined by 41% year-on-year but it is up by 21% since the previous quarter
Credit Acceptance's ROE has decreased by 36% YoY but it has increased by 24% from the previous quarter
CACC's return on sales is down by 35% year-on-year but it is up by 11% since the previous quarter
Credit Acceptance's return on invested capital has decreased by 35% YoY but it has increased by 12% QoQ

Dividends

What is CACC's dividend
DPS
N/A
Dividend yield
N/A
Payout ratio
N/A

There are no recent dividends present for CACC.

Financial health

How did Credit Acceptance financials performed over time
CACC's total assets is 45% greater than its total liabilities
Credit Acceptance's total liabilities has increased by 9% YoY but it has decreased by 3% from the previous quarter
The debt is 100% more than the equity
CACC's debt to equity is down by 14% since the previous quarter but it is up by 12% year-on-year
The equity has grown by 12% from the previous quarter but it has contracted by 3.1% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.