CACC Credit Acceptance Corp

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

Price (delayed)

$573.63

Market cap

$6.95B

P/E Ratio

29.24

Dividend/share

N/A

EPS

$19.62

Enterprise value

$11.99B

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 7% YoY and by 2.8% from the previous quarter
CACC's price to earnings (P/E) is 102% higher than its 5-year quarterly average of 14.5 and 28% higher than its last 4 quarters average of 22.8
The net income has decreased by 40% YoY and by 12% from the previous quarter
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
12.11M
Market cap
$6.95B
Enterprise value
$11.99B
Valuations
Price to earnings (P/E)
29.24
Price to book (P/B)
4.27
Price to sales (P/S)
3.66
EV/EBIT
18.98
EV/EBITDA
18.19
EV/Sales
6.13
Earnings
Revenue
$1.96B
EBIT
$631.8M
EBITDA
$659.1M
Free cash flow
$1.21B
Per share
EPS
$19.62
Free cash flow per share
$97.26
Book value per share
$134.29
Revenue per share
$156.72
TBVPS
$648.74
Balance sheet
Total assets
$8.1B
Total liabilities
$6.44B
Debt
$5.61B
Equity
$1.65B
Working capital
N/A
Liquidity
Debt to equity
3.4
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
7.65
Margins
EBITDA margin
33.7%
Gross margin
56.3%
Net margin
12.8%
Operating margin
32.4%
Efficiency
Return on assets
3.3%
Return on equity
14.6%
Return on invested capital
5.2%
Return on capital employed
N/A
Return on sales
32.3%
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
-0.05%
1 week
-1.51%
1 month
15.42%
1 year
5.95%
YTD
7.68%
QTD
11.45%

Financial performance

How have Credit Acceptance's revenue and profit performed over time
Revenue
$1.96B
Gross profit
$1.1B
Operating income
$633.6M
Net income
$250.9M
Gross margin
56.3%
Net margin
12.8%
The net margin has contracted by 44% YoY and by 15% from the previous quarter
The net income has decreased by 40% YoY and by 12% from the previous quarter
Credit Acceptance's operating margin has decreased by 20% YoY and by 3% from the previous quarter
CACC's operating income is down by 14% year-on-year

Growth

What is Credit Acceptance's growth rate over time

Valuation

What is Credit Acceptance stock price valuation
CACC P/E details
P/E
29.24
P/B
4.27
P/S
3.66
EV/EBIT
18.98
EV/EBITDA
18.19
EV/Sales
6.13
CACC's price to earnings (P/E) is 102% higher than its 5-year quarterly average of 14.5 and 28% higher than its last 4 quarters average of 22.8
CACC's EPS is down by 38% year-on-year and by 11% since the previous quarter
The stock's price to book (P/B) is 19% more than its 5-year quarterly average of 3.6 and 12% more than its last 4 quarters average of 3.8
The equity has contracted by 6% from the previous quarter and by 4.1% YoY
The stock's price to sales (P/S) is 11% less than its 5-year quarterly average of 4.1 but 4.6% more than its last 4 quarters average of 3.5
The revenue has grown by 7% YoY and by 2.8% from the previous quarter

Efficiency

How efficient is Credit Acceptance business performance
The return on assets has declined by 45% year-on-year and by 15% since the previous quarter
Credit Acceptance's ROE has decreased by 44% YoY and by 12% from the previous quarter
Credit Acceptance's return on invested capital has decreased by 21% YoY and by 3.7% QoQ
CACC's return on sales is down by 20% year-on-year and by 3% 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 26% greater than its total liabilities
Credit Acceptance's total liabilities has increased by 19% YoY and by 10% from the previous quarter
CACC's total assets is up by 13% year-on-year and by 6% since the previous quarter
CACC's debt to equity is up by 24% year-on-year and by 18% since the previous quarter
The debt has grown by 19% YoY and by 11% from the previous quarter

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