CACC Credit Acceptance Corp

  1. Stocks
  2. Financial Services
  3. NASDAQ: CACC

Price (delayed)

$529.8

Market cap

$6.37B

P/E Ratio

26.33

Dividend/share

N/A

EPS

$20.12

Enterprise value

$11.88B

Since 1972, Credit Acceptance has offered financing programs that enable automobile dealers to sell vehicles to consumers, regardless of their credit history. Its financing programs are offered through a nationwide ...

Highlights
The gross profit rose by 16% YoY and by 10% QoQ
The revenue has grown by 14% YoY and by 3.6% from the previous quarter
CACC's price to earnings (P/E) is 51% higher than its 5-year quarterly average of 17.2 but 11% lower than its last 4 quarters average of 29.4
CACC's EPS is up by 34% since the previous quarter but it is down by 9% year-on-year
The debt has grown by 25% YoY
Sector: Financial Services
Industry: Credit Services
Website: http://www.creditacceptance.com
Peers: ALLY FNMA ASPS RM

Key stats

What are the main financial stats of CACC
Market
Shares outstanding
12.03M
Market cap
$6.37B
Enterprise value
$11.88B
Valuations
Price to earnings (P/E)
26.33
Price to book (P/B)
3.67
Price to sales (P/S)
3.02
EV/EBIT
15.86
EV/EBITDA
15.3
EV/Sales
5.49
Earnings
Revenue
$2.16B
Gross profit
$1.27B
Operating income
$749M
Net income
$247.9M
EBIT
$749M
EBITDA
$776.8M
Free cash flow
$1.14B
Per share
EPS
$20.12
EPS diluted
$19.88
Free cash flow per share
$92.45
Book value per share
$144.45
Revenue per share
$175.47
TBVPS
$718.53
Balance sheet
Total assets
$8.85B
Total liabilities
$7.11B
Debt
$6.35B
Equity
$1.75B
Working capital
N/A
Liquidity
Debt to equity
3.63
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
7.09
Margins
EBITDA margin
35.9%
Gross margin
58.9%
Net margin
11.5%
Operating margin
34.6%
Efficiency
Return on assets
2.9%
Return on equity
15%
Return on invested capital
5.4%
Return on capital employed
N/A
Return on sales
34.6%
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
1.2%
1 week
3.8%
1 month
7.6%
1 year
-1.11%
YTD
12.85%
QTD
2.6%

Financial performance

How have Credit Acceptance's revenue and profit performed over time
Revenue
$2.16B
Gross profit
$1.27B
Operating income
$749M
Net income
$247.9M
Gross margin
58.9%
Net margin
11.5%
The net income has increased by 31% from the previous quarter but it has decreased by 13% YoY
The net margin has grown by 26% from the previous quarter but it has contracted by 23% YoY
CACC's operating income is up by 18% year-on-year and by 17% since the previous quarter
The gross profit rose by 16% YoY and by 10% QoQ

Growth

What is Credit Acceptance's growth rate over time

Valuation

What is Credit Acceptance stock price valuation
CACC P/E details
P/E
26.33
P/B
3.67
P/S
3.02
EV/EBIT
15.86
EV/EBITDA
15.3
EV/Sales
5.49
CACC's price to earnings (P/E) is 51% higher than its 5-year quarterly average of 17.2 but 11% lower than its last 4 quarters average of 29.4
CACC's EPS is up by 34% since the previous quarter but it is down by 9% year-on-year
The equity has grown by 6% from the previous quarter
The stock's price to book (P/B) is 2.2% less than its 5-year quarterly average of 3.7 and 2.2% less than its last 4 quarters average of 3.7
The stock's price to sales (P/S) is 19% less than its 5-year quarterly average of 3.7
The revenue has grown by 14% YoY and by 3.6% from the previous quarter

Efficiency

How efficient is Credit Acceptance business performance
Credit Acceptance's ROE has increased by 30% from the previous quarter but it has decreased by 9% YoY
The return on assets is up by 26% since the previous quarter but it has declined by 26% year-on-year
Credit Acceptance's return on invested capital has increased by 13% QoQ
CACC's return on sales is up by 13% since the previous quarter and by 3.9% year-on-year

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 25% greater than its total liabilities
Credit Acceptance's total liabilities has increased by 21% YoY
CACC's total assets is up by 16% year-on-year
CACC's debt to equity is up by 26% year-on-year but it is down by 4.5% since the previous quarter
The debt has grown by 25% YoY

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