CACC Credit Acceptance Corp

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

Price (delayed)

$395.94

Market cap

$5.08B

P/E Ratio

10.02

Dividend/share

N/A

EPS

$39.5

Enterprise value

$9.25B

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
CACC's price to earnings (P/E) is 20% lower than its 5-year quarterly average of 12.6
The equity has contracted by 11% YoY but it has grown by 2.2% from the previous quarter
The net income has decreased by 44% YoY and by 14% from the previous quarter
CACC's EPS is down by 34% year-on-year and by 11% since 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
12.83M
Market cap
$5.08B
Enterprise value
$9.25B
Valuations
Price to earnings (P/E)
10.02
Price to book (P/B)
3.15
Price to sales (P/S)
2.93
EV/EBIT
10.54
EV/EBITDA
10.24
EV/Sales
5.05
Earnings
Revenue
$1.83B
EBIT
$878.3M
EBITDA
$903.9M
Free cash flow
$1.24B
Per share
EPS
$39.5
Free cash flow per share
$91.09
Book value per share
$125.65
Revenue per share
$135.09
TBVPS
$509.05
Balance sheet
Total assets
$6.9B
Total liabilities
$5.28B
Debt
$4.59B
Equity
$1.62B
Working capital
N/A
Liquidity
Debt to equity
2.83
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
4.62
Margins
EBITDA margin
49.3%
Gross margin
100%
Net margin
29.2%
Operating margin
47.9%
Efficiency
Return on assets
7.7%
Return on equity
33.7%
Return on invested capital
7.8%
Return on capital employed
N/A
Return on sales
47.9%
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
-2.39%
1 week
-4.94%
1 month
-15.42%
1 year
-22.55%
YTD
-16.54%
QTD
-16.54%

Financial performance

How have Credit Acceptance's revenue and profit performed over time
Revenue
$1.83B
Gross profit
$1.83B
Operating income
$878.3M
Net income
$535.8M
Gross margin
100%
Net margin
29.2%
The net income has decreased by 44% YoY and by 14% from the previous quarter
The net margin has contracted by 43% YoY and by 14% from the previous quarter
Credit Acceptance's operating margin has decreased by 38% YoY and by 11% from the previous quarter
CACC's operating income is down by 38% year-on-year and by 11% since the previous quarter

Growth

What is Credit Acceptance's growth rate over time

Valuation

What is Credit Acceptance stock price valuation
P/E
10.02
P/B
3.15
P/S
2.93
EV/EBIT
10.54
EV/EBITDA
10.24
EV/Sales
5.05
CACC's EPS is down by 34% year-on-year and by 11% since the previous quarter
CACC's price to earnings (P/E) is 20% lower than its 5-year quarterly average of 12.6
The stock's price to book (P/B) is 23% less than its last 4 quarters average of 4.1 and 15% less than its 5-year quarterly average of 3.7
The equity has contracted by 11% YoY but it has grown by 2.2% from the previous quarter
The stock's price to sales (P/S) is 40% less than its 5-year quarterly average of 4.9 and 19% less than its last 4 quarters average of 3.6

Efficiency

How efficient is Credit Acceptance business performance
The return on assets has declined by 40% year-on-year and by 14% since the previous quarter
CACC's return on sales is down by 38% year-on-year and by 11% since the previous quarter
Credit Acceptance's return on invested capital has decreased by 37% YoY and by 11% QoQ
Credit Acceptance's ROE has decreased by 25% YoY and by 12% from 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 31% greater than its total liabilities
CACC's total assets is down by 2.1% year-on-year
The debt is 183% more than the equity
CACC's debt to equity is up by 12% year-on-year but it is down by 2.7% since the previous quarter
The equity has contracted by 11% YoY but it has grown by 2.2% from the previous quarter

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