503.59 USD
-5.31 (-1.04%)
At close: Feb 9, 2026
503.59 USD
0 (0%)
After Hours: 2/9/2026, 4:02:00 PM
CACC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. There are concerns on the financial health of CACC while its profitability can be described as average. CACC has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- CACC had positive earnings in the past year.
- CACC had a positive operating cash flow in the past year.
- Each year in the past 5 years CACC has been profitable.
- CACC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 5.25%, CACC is in the better half of the industry, outperforming 68.52% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 28.75%, CACC belongs to the top of the industry, outperforming 85.19% of the companies in the same industry.
- CACC has a Return On Invested Capital of 10.26%. This is in the better half of the industry: CACC outperforms 75.93% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for CACC is below the industry average of 12.42%.
- The 3 year average ROIC (8.37%) for CACC is below the current ROIC(10.26%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.25% | ||
| ROE | 28.75% | ||
| ROIC | 10.26% |
ROA(3y)3.82%
ROA(5y)6.56%
ROE(3y)19.44%
ROE(5y)28.77%
ROIC(3y)8.37%
ROIC(5y)10.12%
1.3 Margins
- CACC has a Profit Margin of 19.71%. This is in the better half of the industry: CACC outperforms 72.22% of its industry peers.
- CACC's Profit Margin has declined in the last couple of years.
- Looking at the Operating Margin, with a value of 46.10%, CACC belongs to the top of the industry, outperforming 96.30% of the companies in the same industry.
- In the last couple of years the Operating Margin of CACC has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 46.1% | ||
| PM (TTM) | 19.71% | ||
| GM | N/A |
OM growth 3Y-2.54%
OM growth 5Y-1.21%
PM growth 3Y-14.47%
PM growth 5Y-6.22%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- CACC has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- CACC has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, CACC has less shares outstanding
- Compared to 1 year ago, CACC has a worse debt to assets ratio.
2.2 Solvency
- CACC has an Altman-Z score of 1.22. This is a bad value and indicates that CACC is not financially healthy and even has some risk of bankruptcy.
- The Altman-Z score of CACC (1.22) is better than 68.52% of its industry peers.
- The Debt to FCF ratio of CACC is 5.86, which is a neutral value as it means it would take CACC, 5.86 years of fcf income to pay off all of its debts.
- CACC has a better Debt to FCF ratio (5.86) than 72.22% of its industry peers.
- A Debt/Equity ratio of 3.73 is on the high side and indicates that CACC has dependencies on debt financing.
- CACC has a Debt to Equity ratio of 3.73. This is comparable to the rest of the industry: CACC outperforms 42.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.73 | ||
| Debt/FCF | 5.86 | ||
| Altman-Z | 1.22 |
ROIC/WACC1.31
WACC7.82%
2.3 Liquidity
- A Current Ratio of 0.03 indicates that CACC may have some problems paying its short term obligations.
- Looking at the Current ratio, with a value of 0.03, CACC is doing worse than 79.63% of the companies in the same industry.
- A Quick Ratio of 0.03 indicates that CACC may have some problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 0.03, CACC is doing worse than 79.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.03 | ||
| Quick Ratio | 0.03 |
3. Growth
3.1 Past
- CACC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.23%.
- The Earnings Per Share has been growing by 8.73% on average over the past years. This is quite good.
- CACC shows a small growth in Revenue. In the last year, the Revenue has grown by 7.16%.
- Measured over the past years, CACC shows a small growth in Revenue. The Revenue has been growing by 6.78% on average per year.
EPS 1Y (TTM)-6.23%
EPS 3Y-2.47%
EPS 5Y8.73%
EPS Q2Q%-12.29%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y8.14%
Revenue growth 5Y6.78%
Sales Q2Q%2.47%
3.2 Future
- Based on estimates for the next years, CACC will show a very strong growth in Earnings Per Share. The EPS will grow by 20.21% on average per year.
- The Revenue is expected to grow by 2.03% on average over the next years.
EPS Next Y26.24%
EPS Next 2Y20.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.51%
Revenue Next 2Y2.03%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- CACC is valuated correctly with a Price/Earnings ratio of 13.94.
- Compared to the rest of the industry, the Price/Earnings ratio of CACC indicates a slightly more expensive valuation: CACC is more expensive than 61.11% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.93. CACC is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 11.04 indicates a reasonable valuation of CACC.
- CACC's Price/Forward Earnings ratio is in line with the industry average.
- CACC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.77.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.94 | ||
| Fwd PE | 11.04 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CACC indicates a somewhat cheap valuation: CACC is cheaper than 66.67% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, CACC is valued a bit cheaper than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.11 | ||
| EV/EBITDA | 10.99 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- CACC has a very decent profitability rating, which may justify a higher PE ratio.
- A more expensive valuation may be justified as CACC's earnings are expected to grow with 20.21% in the coming years.
PEG (NY)0.53
PEG (5Y)1.6
EPS Next 2Y20.21%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- CACC does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
503.59
-5.31 (-1.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-29 2026-01-29/amc
Earnings (Next)04-28 2026-04-28/amc
Inst Owners71.95%
Inst Owner Change5.84%
Ins Owners20.24%
Ins Owner Change3.35%
Market Cap5.55B
Revenue(TTM)2.32B
Net Income(TTM)453.90M
Analysts46.67
Price Target476 (-5.48%)
Short Float %24.06%
Short Ratio10.42
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-8.41%
Min EPS beat(2)-13.27%
Max EPS beat(2)-3.54%
EPS beat(4)1
Avg EPS beat(4)0.95%
Min EPS beat(4)-13.27%
Max EPS beat(4)25.8%
EPS beat(8)4
Avg EPS beat(8)6.6%
EPS beat(12)5
Avg EPS beat(12)-1.48%
EPS beat(16)7
Avg EPS beat(16)-4.03%
Revenue beat(2)0
Avg Revenue beat(2)-2.78%
Min Revenue beat(2)-3.69%
Max Revenue beat(2)-1.88%
Revenue beat(4)1
Avg Revenue beat(4)-0.25%
Min Revenue beat(4)-3.69%
Max Revenue beat(4)6.16%
Revenue beat(8)3
Avg Revenue beat(8)1.96%
Revenue beat(12)4
Avg Revenue beat(12)0.79%
Revenue beat(16)5
Avg Revenue beat(16)0.37%
PT rev (1m)1.89%
PT rev (3m)0.9%
EPS NQ rev (1m)-2.64%
EPS NQ rev (3m)-4.01%
EPS NY rev (1m)6.81%
EPS NY rev (3m)6.81%
Revenue NQ rev (1m)11.55%
Revenue NQ rev (3m)-0.67%
Revenue NY rev (1m)9.45%
Revenue NY rev (3m)-2.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.94 | ||
| Fwd PE | 11.04 | ||
| P/S | 2.41 | ||
| P/FCF | 5.11 | ||
| P/OCF | 5.1 | ||
| P/B | 3.52 | ||
| P/tB | 3.52 | ||
| EV/EBITDA | 10.99 |
EPS(TTM)36.13
EY7.17%
EPS(NY)45.61
Fwd EY9.06%
FCF(TTM)98.55
FCFY19.57%
OCF(TTM)98.72
OCFY19.6%
SpS208.81
BVpS143.12
TBVpS143.12
PEG (NY)0.53
PEG (5Y)1.6
Graham Number341.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.25% | ||
| ROE | 28.75% | ||
| ROCE | 13.67% | ||
| ROIC | 10.26% | ||
| ROICexc | 10.29% | ||
| ROICexgc | 10.33% | ||
| OM | 46.1% | ||
| PM (TTM) | 19.71% | ||
| GM | N/A | ||
| FCFM | 47.2% |
ROA(3y)3.82%
ROA(5y)6.56%
ROE(3y)19.44%
ROE(5y)28.77%
ROIC(3y)8.37%
ROIC(5y)10.12%
ROICexc(3y)8.52%
ROICexc(5y)10.22%
ROICexgc(3y)8.56%
ROICexgc(5y)10.29%
ROCE(3y)11.14%
ROCE(5y)13.48%
ROICexgc growth 3Y-1.97%
ROICexgc growth 5Y3%
ROICexc growth 3Y-1.83%
ROICexc growth 5Y3%
OM growth 3Y-2.54%
OM growth 5Y-1.21%
PM growth 3Y-14.47%
PM growth 5Y-6.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.27
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.73 | ||
| Debt/FCF | 5.86 | ||
| Debt/EBITDA | 5.41 | ||
| Cap/Depr | 6.93% | ||
| Cap/Sales | 0.08% | ||
| Interest Coverage | 2.43 | ||
| Cash Conversion | 99.98% | ||
| Profit Quality | 239.48% | ||
| Current Ratio | 0.03 | ||
| Quick Ratio | 0.03 | ||
| Altman-Z | 1.22 |
F-Score7
WACC7.82%
ROIC/WACC1.31
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.23%
EPS 3Y-2.47%
EPS 5Y8.73%
EPS Q2Q%-12.29%
EPS Next Y26.24%
EPS Next 2Y20.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.16%
Revenue growth 3Y8.14%
Revenue growth 5Y6.78%
Sales Q2Q%2.47%
Revenue Next Year0.51%
Revenue Next 2Y2.03%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y59.22%
EBIT growth 3Y5.4%
EBIT growth 5Y5.49%
EBIT Next Year-6.64%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-4.68%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-4.75%
OCF growth 3YN/A
OCF growth 5YN/A
CREDIT ACCEPTANCE CORP / CACC FAQ
Can you provide the ChartMill fundamental rating for CREDIT ACCEPTANCE CORP?
ChartMill assigns a fundamental rating of 4 / 10 to CACC.
What is the valuation status of CREDIT ACCEPTANCE CORP (CACC) stock?
ChartMill assigns a valuation rating of 6 / 10 to CREDIT ACCEPTANCE CORP (CACC). This can be considered as Fairly Valued.
What is the profitability of CACC stock?
CREDIT ACCEPTANCE CORP (CACC) has a profitability rating of 6 / 10.
Can you provide the financial health for CACC stock?
The financial health rating of CREDIT ACCEPTANCE CORP (CACC) is 3 / 10.