CACC Credit Acceptance Corp

Price (delayed)

$552

Market cap

$6.79B

P/E Ratio

24.99

Dividend/share

N/A

EPS

$22.09

Enterprise value

$11.39B

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 equity has grown by 8% YoY and by 3.1% from the previous quarter
The revenue has grown by 3.8% YoY
CACC's price to earnings (P/E) is 81% higher than its 5-year quarterly average of 13.8 and 30% higher than its last 4 quarters average of 19.2
The net income has decreased by 47% YoY and by 11% from the previous quarter

Key stats

What are the main financial stats of CACC
Market
Shares outstanding
12.3M
Market cap
$6.79B
Enterprise value
$11.39B
Valuations
Price to book (P/B)
3.96
Price to sales (P/S)
3.76
EV/EBIT
17.96
EV/EBITDA
17.24
EV/Sales
5.99
Earnings
Revenue
$1.9B
EBIT
$634.1M
EBITDA
$660.7M
Free cash flow
$1.2B
Per share
EPS
$22.09
Free cash flow per share
$92.62
Book value per share
$139.55
Revenue per share
$146.83
TBVPS
$587.5
Balance sheet
Total assets
$7.61B
Total liabilities
$5.86B
Debt
$5.07B
Equity
$1.75B
Working capital
N/A
Liquidity
Debt to equity
2.89
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
6.96
Margins
EBITDA margin
34.7%
Gross margin
57.6%
Net margin
15%
Operating margin
33.4%
Efficiency
Return on assets
3.9%
Return on equity
16.5%
Return on invested capital
5.4%
Return on capital employed
N/A
Return on sales
33.3%
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
-0.29%
1 week
0.22%
1 month
-5.06%
1 year
24.26%
YTD
3.62%
QTD
3.62%

Financial performance

How have Credit Acceptance's revenue and profit performed over time
Revenue
$1.9B
Gross profit
$1.1B
Operating income
$635.9M
Net income
$286.1M
Gross margin
57.6%
Net margin
15%
The net margin has contracted by 49% YoY and by 12% from the previous quarter
The net income has decreased by 47% YoY and by 11% from the previous quarter
Credit Acceptance's operating margin has decreased by 30% YoY and by 4% from the previous quarter
CACC's operating income is down by 28% year-on-year and by 2.4% since the previous quarter

Growth

What is Credit Acceptance's growth rate over time

Valuation

What is Credit Acceptance stock price valuation
P/E
24.99
P/B
3.96
P/S
3.76
EV/EBIT
17.96
EV/EBITDA
17.24
EV/Sales
5.99
CACC's price to earnings (P/E) is 81% higher than its 5-year quarterly average of 13.8 and 30% higher than its last 4 quarters average of 19.2
CACC's EPS is down by 44% year-on-year and by 9% since the previous quarter
The stock's price to book (P/B) is 10% more than its 5-year quarterly average of 3.6 and 10% more than its last 4 quarters average of 3.6
The equity has grown by 8% YoY and by 3.1% from the previous quarter
The stock's price to sales (P/S) is 13% less than its 5-year quarterly average of 4.3 but 11% more than its last 4 quarters average of 3.4
The revenue has grown by 3.8% YoY

Efficiency

How efficient is Credit Acceptance business performance
Credit Acceptance's ROE has plunged by 51% YoY and by 12% from the previous quarter
The return on assets has declined by 49% year-on-year and by 13% since the previous quarter
Credit Acceptance's return on invested capital has decreased by 31% YoY and by 5% QoQ
CACC's return on sales is down by 30% year-on-year and by 4.3% 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 30% greater than its total liabilities
Credit Acceptance's total liabilities has increased by 11% YoY and by 2.8% from the previous quarter
CACC's total assets is up by 10% year-on-year and by 2.9% since the previous quarter
The debt is 189% more than the equity
The debt has grown by 10% YoY and by 2.6% from the previous quarter
The equity has grown by 8% YoY and by 3.1% from the previous quarter

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