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CACC Credit Acceptance Corp
Price (delayed)
$480.45
Market cap
$5.82B
P/E Ratio
34.1
Dividend/share
N/A
EPS
$14.09
Enterprise value
$11.25B
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
The revenue has grown by 9% YoY and by 3.1% from the previous quarter
CACC's price to earnings (P/E) is 117% higher than its 5-year quarterly average of 15.7 and 27% higher than its last 4 quarters average of 26.9
The net income has decreased by 46% YoY and by 28% from the previous quarter
Key stats
What are the main financial stats of CACC
Market
Valuations
Earnings
Shares outstanding
12.11M
Market cap
$5.82B
Enterprise value
$11.25B
Price to book (P/B)
3.74
Price to sales (P/S)
2.93
EV/EBIT
19.05
EV/EBITDA
18.2
EV/Sales
5.58
Revenue
$2.02B
EBIT
$590.3M
EBITDA
$618.1M
Free cash flow
$1.14B
Per share
Balance sheet
Liquidity
EPS
$14.09
Free cash flow per share
$92.78
Book value per share
$128.39
Revenue per share
$164.17
TBVPS
$672.14
Total assets
$8.26B
Total liabilities
$6.7B
Debt
$5.95B
Equity
$1.55B
Working capital
N/A
Debt to equity
3.82
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
8.78
Margins
Efficiency
Dividend
EBITDA margin
30.7%
Gross margin
54.1%
Net margin
9%
Operating margin
29.4%
Return on assets
2.3%
Return on equity
10.9%
Return on invested capital
4.6%
Return on capital employed
N/A
Return on sales
29.3%
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
1.15%
1 week
1.03%
1 month
7.33%
1 year
17.39%
YTD
-9.81%
QTD
8.35%
Financial performance
How have Credit Acceptance's revenue and profit performed over time
Revenue
$2.02B
Gross profit
$1.09B
Operating income
$592.1M
Net income
$181.6M
Gross margin
54.1%
Net margin
9%
The net margin has plunged by 50% YoY and by 30% from the previous quarter
The net income has decreased by 46% YoY and by 28% from the previous quarter
Credit Acceptance's operating margin has decreased by 16% YoY and by 9% from the previous quarter
The revenue has grown by 9% YoY and by 3.1% from the previous quarter
Growth
What is Credit Acceptance's growth rate over time
Valuation
What is Credit Acceptance stock price valuation
P/E
34.1
P/B
3.74
P/S
2.93
EV/EBIT
19.05
EV/EBITDA
18.2
EV/Sales
5.58
CACC's price to earnings (P/E) is 117% higher than its 5-year quarterly average of 15.7 and 27% higher than its last 4 quarters average of 26.9
CACC's EPS is down by 45% year-on-year and by 28% since the previous quarter
The equity has contracted by 11% YoY and by 6% from the previous quarter
The stock's price to book (P/B) is 4.1% less than its last 4 quarters average of 3.9 but 3.9% more than its 5-year quarterly average of 3.6
The stock's price to sales (P/S) is 25% less than its 5-year quarterly average of 3.9 and 14% less than its last 4 quarters average of 3.4
The revenue has grown by 9% YoY and by 3.1% from the previous quarter
Efficiency
How efficient is Credit Acceptance business performance
The return on assets has dropped by 52% year-on-year and by 30% since the previous quarter
Credit Acceptance's ROE has decreased by 46% YoY and by 25% from the previous quarter
Credit Acceptance's return on invested capital has decreased by 19% YoY and by 12% QoQ
CACC's return on sales is down by 16% year-on-year and by 9% 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 23% YoY and by 4% from the previous quarter
CACC's total assets is up by 15% year-on-year
CACC's debt to equity is up by 40% year-on-year and by 12% since the previous quarter
The debt has grown by 25% YoY and by 6% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.