Unlock Premium for Just $9.99/Month – Special Launch Offer, Limited Time Only Get Premium

CACC Credit Acceptance Corp

Price (delayed)

$495.82

Market cap

$5.75B

P/E Ratio

20.9

Dividend/share

N/A

EPS

$23.72

Enterprise value

$11.34B

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 gross profit rose by 24% YoY and by 7% QoQ
CACC's EPS is up by 21% year-on-year and by 18% since the previous quarter
CACC's price to earnings (P/E) is 24% lower than its last 4 quarters average of 27.8 but 21% higher than its 5-year quarterly average of 17.4
The equity has grown by 3.6% YoY but it has contracted by 2.2% from the previous quarter
The debt has grown by 19% YoY and by 6% from the previous quarter

Key stats

What are the main financial stats of CACC
Market
Shares outstanding
11.6M
Market cap
$5.75B
Enterprise value
$11.34B
Valuations
Price to earnings (P/E)
20.9
Price to book (P/B)
3.49
Price to sales (P/S)
2.69
EV/EBIT
13.72
EV/EBITDA
13.27
EV/Sales
5.09
Earnings
Revenue
$2.23B
Gross profit
$1.36B
Operating income
$827.7M
Net income
$289.9M
EBIT
$826.5M
EBITDA
$854.1M
Free cash flow
$1.18B
Per share
EPS
$23.72
EPS diluted
$23.38
Free cash flow per share
$97.22
Book value per share
$142.2
Revenue per share
$184.06
TBVPS
$765.69
Balance sheet
Total assets
$9.26B
Total liabilities
$7.55B
Debt
$6.71B
Equity
$1.71B
Working capital
N/A
Liquidity
Debt to equity
3.92
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
6.54
Margins
EBITDA margin
38.4%
Gross margin
61.2%
Net margin
13%
Operating margin
37.2%
Efficiency
Return on assets
3.3%
Return on equity
17.4%
Return on invested capital
5.8%
Return on capital employed
N/A
Return on sales
37.1%
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
-0.44%
1 week
2.29%
1 month
-0.3%
1 year
-5.59%
YTD
5.61%
QTD
-3.98%

Financial performance

How have Credit Acceptance's revenue and profit performed over time
Revenue
$2.23B
Gross profit
$1.36B
Operating income
$827.7M
Net income
$289.9M
Gross margin
61.2%
Net margin
13%
CACC's operating income is up by 31% year-on-year and by 11% since the previous quarter
The gross profit rose by 24% YoY and by 7% QoQ
The net income has increased by 17% from the previous quarter and by 16% YoY
Credit Acceptance's operating margin has increased by 15% YoY and by 8% from the previous quarter

Price vs fundamentals

How does CACC's price correlate with its fundamentals

Growth

What is Credit Acceptance's growth rate over time

Valuation

What is Credit Acceptance stock price valuation
P/E
20.9
P/B
3.49
P/S
2.69
EV/EBIT
13.72
EV/EBITDA
13.27
EV/Sales
5.09
CACC's price to earnings (P/E) is 24% lower than its last 4 quarters average of 27.8 but 21% higher than its 5-year quarterly average of 17.4
CACC's EPS is up by 21% year-on-year and by 18% since the previous quarter
The stock's price to book (P/B) is 5% less than its 5-year quarterly average of 3.7
The equity has grown by 3.6% YoY but it has contracted by 2.2% from the previous quarter
The stock's price to sales (P/S) is 27% less than its 5-year quarterly average of 3.7 and 3.2% less than its last 4 quarters average of 2.8
The revenue has grown by 14% YoY and by 2.9% from the previous quarter

Efficiency

How efficient is Credit Acceptance business performance
Credit Acceptance's ROE has increased by 19% YoY and by 16% from the previous quarter
CACC's return on sales is up by 15% year-on-year and by 7% since the previous quarter
The return on assets is up by 14% since the previous quarter
Credit Acceptance's return on invested capital has increased by 12% YoY and by 7% QoQ

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 17% YoY and by 6% from the previous quarter
CACC's total assets is up by 14% year-on-year and by 4.6% since the previous quarter
The debt has grown by 19% YoY and by 6% from the previous quarter
CACC's debt to equity is up by 15% year-on-year and by 8% since the previous quarter

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