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CACC Credit Acceptance Corp
Price (delayed)
$496.47
Market cap
$6.01B
P/E Ratio
33.01
Dividend/share
N/A
EPS
$15.04
Enterprise value
$11.55B
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 revenue has grown by 12% YoY and by 3.6% from the previous quarter
The gross profit rose by 6% QoQ and by 6% YoY
The net income has decreased by 41% YoY but it has increased by 4.4% from the previous quarter
CACC's EPS is down by 38% year-on-year but it is up by 7% since the previous quarter
CACC's price to earnings (P/E) is 99% higher than its 5-year quarterly average of 16.6 and 12% higher than its last 4 quarters average of 29.6
The debt has grown by 26% YoY and by 5% from the previous quarter
Key stats
What are the main financial stats of CACC
Market
Valuations
Earnings
Shares outstanding
12.11M
Market cap
$6.01B
Enterprise value
$11.55B
Price to earnings (P/E)
33.01
Price to book (P/B)
3.65
Price to sales (P/S)
2.92
EV/EBIT
18.01
EV/EBITDA
17.27
EV/Sales
5.53
Revenue
$2.09B
Gross profit
$1.16B
Net income
$189.6M
EBIT
$641M
EBITDA
$668.6M
Free cash flow
$1.14B
Per share
Balance sheet
Liquidity
EPS
$15.04
EPS diluted
$14.86
Free cash flow per share
$93.14
Book value per share
$135.95
Revenue per share
$170.11
TBVPS
$707.41
Total assets
$8.68B
Total liabilities
$7.04B
Debt
$6.25B
Equity
$1.65B
Working capital
N/A
Debt to equity
3.8
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
8.27
Margins
Efficiency
Dividend
EBITDA margin
32%
Gross margin
55.6%
Net margin
9.1%
Operating margin
30.8%
Return on assets
2.3%
Return on equity
11.5%
Return on invested capital
4.8%
Return on capital employed
N/A
Return on sales
30.7%
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
2.4%
1 week
7.47%
1 month
7.65%
1 year
-6.63%
YTD
5.75%
QTD
5.75%
Financial performance
How have Credit Acceptance's revenue and profit performed over time
Revenue
$2.09B
Gross profit
$1.16B
Operating income
$642.8M
Net income
$189.6M
Gross margin
55.6%
Net margin
9.1%
The net margin has contracted by 47% YoY
The net income has decreased by 41% YoY but it has increased by 4.4% from the previous quarter
The revenue has grown by 12% YoY and by 3.6% from the previous quarter
Credit Acceptance's operating margin has decreased by 11% YoY but it has increased by 4.8% from the previous quarter
Growth
What is Credit Acceptance's growth rate over time
Valuation
What is Credit Acceptance stock price valuation
P/E
33.01
P/B
3.65
P/S
2.92
EV/EBIT
18.01
EV/EBITDA
17.27
EV/Sales
5.53
CACC's price to earnings (P/E) is 99% higher than its 5-year quarterly average of 16.6 and 12% higher than its last 4 quarters average of 29.6
CACC's EPS is down by 38% year-on-year but it is up by 7% since the previous quarter
The equity has grown by 6% from the previous quarter but it has contracted by 3.2% YoY
The stock's price to book (P/B) is 3.9% less than its last 4 quarters average of 3.8
The stock's price to sales (P/S) is 21% less than its 5-year quarterly average of 3.7 and 9% less than its last 4 quarters average of 3.2
The revenue has grown by 12% YoY and by 3.6% from the previous quarter
Efficiency
How efficient is Credit Acceptance business performance
The return on assets has declined by 49% year-on-year
Credit Acceptance's ROE has decreased by 39% YoY but it has increased by 6% from the previous quarter
Credit Acceptance's return on invested capital has decreased by 16% YoY but it has increased by 4.3% QoQ
CACC's return on sales is down by 12% year-on-year but it is up by 4.8% since the previous quarter
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 23% greater than its total liabilities
Credit Acceptance's total liabilities has increased by 24% YoY and by 5% from the previous quarter
CACC's total assets is up by 17% year-on-year and by 5% since the previous quarter
CACC's debt to equity is up by 31% year-on-year
The debt has grown by 26% YoY and by 5% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.