CREDIT ACCEPTANCE CORP (CACC) Stock Fundamental Analysis
NASDAQ:CACC • US2253101016
481.23 USD
-0.92 (-0.19%)
At close: Mar 3, 2026
481.23 USD
0 (0%)
After Hours: 3/3/2026, 8:00:02 PM
Overall CACC gets a fundamental rating of 4 out of 10. We evaluated CACC against 54 industry peers in the Consumer Finance industry. While CACC is still in line with the averages on profitability rating, there are concerns on its financial health. CACC has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year CACC was profitable.
- 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.
- The Average Return On Invested Capital over the past 3 years for CACC is below the industry average of 12.27%.
- The last Return On Invested Capital (10.26%) for CACC is above the 3 year average (8.37%), which is a sign of increasing profitability.
| 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
- The Profit Margin of CACC (19.71%) is better than 72.22% of its industry peers.
- In the last couple of years the Profit Margin of CACC has declined.
- CACC has a better Operating Margin (46.10%) than 96.30% of its industry peers.
- 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
- With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CACC is creating some value.
- The number of shares outstanding for CACC has been reduced compared to 1 year ago.
- Compared to 5 years ago, CACC has less shares outstanding
- CACC has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 1.18, we must say that CACC is in the distress zone and has some risk of bankruptcy.
- CACC's Altman-Z score of 1.18 is fine compared to the rest of the industry. CACC outperforms 70.37% of its industry peers.
- CACC has a debt to FCF ratio of 5.86. This is a neutral value as CACC would need 5.86 years to pay back of all of its debts.
- CACC's Debt to FCF ratio of 5.86 is fine compared to the rest of the industry. CACC outperforms 70.37% of its industry peers.
- CACC has a Debt/Equity ratio of 3.73. This is a high value indicating a heavy dependency on external financing.
- CACC has a Debt to Equity ratio (3.73) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.73 | ||
| Debt/FCF | 5.86 | ||
| Altman-Z | 1.18 |
ROIC/WACC1.36
WACC7.56%
2.3 Liquidity
- CACC has a Current Ratio of 0.03. This is a bad value and indicates that CACC is not financially healthy enough and could expect problems in meeting its short term obligations.
- With a Current ratio value of 0.03, CACC is not doing good in the industry: 79.63% of the companies in the same industry are doing better.
- CACC has a Quick Ratio of 0.03. This is a bad value and indicates that CACC is not financially healthy enough and could expect problems in meeting its short term obligations.
- CACC has a Quick ratio of 0.03. This is in the lower half of the industry: CACC underperforms 79.63% of its industry peers.
| 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%.
- CACC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.73% yearly.
- Looking at the last year, CACC shows a small growth in Revenue. The Revenue has grown by 7.16% in the last year.
- 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
- The Earnings Per Share is expected to grow by 20.21% on average over the next years. This is a very strong growth
- 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
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- 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
- Based on the Price/Earnings ratio of 13.32, the valuation of CACC can be described as correct.
- Based on the Price/Earnings ratio, CACC is valued a bit more expensive than the industry average as 61.11% of the companies are valued more cheaply.
- CACC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.83.
- With a Price/Forward Earnings ratio of 10.55, the valuation of CACC can be described as very reasonable.
- CACC's Price/Forward Earnings ratio is in line with the industry average.
- When comparing the Price/Forward Earnings ratio of CACC to the average of the S&P500 Index (24.95), we can say CACC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.32 | ||
| Fwd PE | 10.55 |
4.2 Price Multiples
- CACC's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CACC is cheaper than 64.81% of the companies in the same industry.
- CACC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CACC is cheaper than 64.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.73 | ||
| EV/EBITDA | 10.56 |
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.
- The decent profitability rating of CACC 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)0.51
PEG (5Y)1.53
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% |
481.23
-0.92 (-0.19%)
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 Change8.5%
Ins Owners20.24%
Ins Owner Change3.35%
Market Cap5.14B
Revenue(TTM)2.32B
Net Income(TTM)453.90M
Analysts48.89
Price Target476 (-1.09%)
Short Float %22.54%
Short Ratio6.26
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)0.25%
PT rev (3m)1.89%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.64%
EPS NY rev (1m)2.66%
EPS NY rev (3m)6.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.67%
Revenue NY rev (1m)-1.04%
Revenue NY rev (3m)-2.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.32 | ||
| Fwd PE | 10.55 | ||
| P/S | 2.23 | ||
| P/FCF | 4.73 | ||
| P/OCF | 4.72 | ||
| P/B | 3.26 | ||
| P/tB | 3.26 | ||
| EV/EBITDA | 10.56 |
EPS(TTM)36.13
EY7.51%
EPS(NY)45.61
Fwd EY9.48%
FCF(TTM)101.78
FCFY21.15%
OCF(TTM)101.96
OCFY21.19%
SpS215.66
BVpS147.81
TBVpS147.81
PEG (NY)0.51
PEG (5Y)1.53
Graham Number346.64
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 | 1.18 |
F-Score7
WACC7.56%
ROIC/WACC1.36
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.