CREDIT ACCEPTANCE CORP (CACC) Fundamental Analysis & Valuation

NASDAQ:CACC • US2253101016

Current stock price

416.51 USD
-3.09 (-0.74%)
At close:
416.51 USD
0 (0%)
After Hours:

This CACC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. CACC Profitability Analysis

1.1 Basic Checks

  • CACC had positive earnings in the past year.
  • In the past year CACC had a positive cash flow from operations.
  • Each year in the past 5 years CACC has been profitable.
  • In the past 5 years CACC always reported a positive cash flow from operatings.
CACC Yearly Net Income VS EBIT VS OCF VS FCFCACC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B

1.2 Ratios

  • CACC has a Return On Assets of 4.91%. This is in the better half of the industry: CACC outperforms 68.52% of its industry peers.
  • The Return On Equity of CACC (27.82%) is better than 79.63% of its industry peers.
  • CACC has a Return On Invested Capital of 13.70%. This is amongst the best in the industry. CACC outperforms 85.19% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for CACC is below the industry average of 12.01%.
  • The last Return On Invested Capital (13.70%) for CACC is above the 3 year average (9.81%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 4.91%
ROE 27.82%
ROIC 13.7%
ROA(3y)3.82%
ROA(5y)6.56%
ROE(3y)19.44%
ROE(5y)28.77%
ROIC(3y)9.81%
ROIC(5y)10.98%
CACC Yearly ROA, ROE, ROICCACC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

1.3 Margins

  • CACC's Profit Margin of 18.29% is fine compared to the rest of the industry. CACC outperforms 70.37% 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 47.63%, 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 RankSector Rank
OM 47.63%
PM (TTM) 18.29%
GM N/A
OM growth 3Y-0.21%
OM growth 5Y0.2%
PM growth 3Y-14.47%
PM growth 5Y-6.22%
GM growth 3YN/A
GM growth 5YN/A
CACC Yearly Profit, Operating, Gross MarginsCACC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. CACC Health Analysis

2.1 Basic Checks

  • CACC has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating 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.
CACC Yearly Shares OutstandingCACC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
CACC Yearly Total Debt VS Total AssetsCACC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • CACC has an Altman-Z score of 0.90. This is a bad value and indicates that CACC is not financially healthy and even has some risk of bankruptcy.
  • CACC has a better Altman-Z score (0.90) than 61.11% of its industry peers.
  • CACC has a debt to FCF ratio of 6.03. This is a slightly negative value and a sign of low solvency as CACC would need 6.03 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 6.03, CACC is in the better half of the industry, outperforming 70.37% of the companies in the same industry.
  • CACC has a Debt/Equity ratio of 2.74. This is a high value indicating a heavy dependency on external financing.
  • CACC has a Debt to Equity ratio (2.74) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 2.74
Debt/FCF 6.03
Altman-Z 0.9
ROIC/WACC1.81
WACC7.59%
CACC Yearly LT Debt VS Equity VS FCFCACC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

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.
  • Looking at the Current ratio, with a value of 0.03, CACC is doing worse than 81.48% 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.
  • CACC has a worse Quick ratio (0.03) than 81.48% of its industry peers.
Industry RankSector Rank
Current Ratio 0.03
Quick Ratio 0.03
CACC Yearly Current Assets VS Current LiabilitesCACC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CACC Growth Analysis

3.1 Past

  • CACC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.23%.
  • Measured over the past years, CACC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.73% on average per year.
  • CACC shows a small growth in Revenue. In the last year, the Revenue has grown by 7.16%.
  • CACC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.78% yearly.
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
  • CACC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.03% yearly.
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.
CACC Yearly Revenue VS EstimatesCACC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
CACC Yearly EPS VS EstimatesCACC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 10 20 30 40 50

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7

4. CACC Valuation Analysis

4.1 Price/Earnings Ratio

  • CACC is valuated reasonably with a Price/Earnings ratio of 11.53.
  • 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.
  • Compared to an average S&P500 Price/Earnings ratio of 25.60, CACC is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.13 indicates a reasonable valuation of CACC.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CACC is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 22.84. CACC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.53
Fwd PE 9.13
CACC Price Earnings VS Forward Price EarningsCACC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, CACC is valued a bit cheaper than 72.22% of the companies in the same industry.
  • 62.96% of the companies in the same industry are more expensive than CACC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 4.25
EV/EBITDA 9.56
CACC Per share dataCACC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200

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)0.44
PEG (5Y)1.32
EPS Next 2Y20.21%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CACC Dividend Analysis

5.1 Amount

  • No dividends for CACC!.
Industry RankSector Rank
Dividend Yield 0%

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CACC Fundamentals: All Metrics, Ratios and Statistics

CREDIT ACCEPTANCE CORP

NASDAQ:CACC (4/2/2026, 8:11:18 PM)

After market: 416.51 0 (0%)

416.51

-3.09 (-0.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners78.38%
Inst Owner Change0%
Ins Owners19.88%
Ins Owner Change3.34%
Market Cap4.48B
Revenue(TTM)2.32B
Net Income(TTM)423.90M
Analysts47.5
Price Target476 (14.28%)
Short Float %21.33%
Short Ratio4.96
Dividend
Industry RankSector 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)-8.09%
Min EPS beat(2)-12.63%
Max EPS beat(2)-3.54%
EPS beat(4)0
Avg EPS beat(4)-8.66%
Min EPS beat(4)-13.27%
Max EPS beat(4)-3.54%
EPS beat(8)3
Avg EPS beat(8)1.07%
EPS beat(12)4
Avg EPS beat(12)-5.14%
EPS beat(16)6
Avg EPS beat(16)-5.62%
Revenue beat(2)0
Avg Revenue beat(2)-3.05%
Min Revenue beat(2)-3.69%
Max Revenue beat(2)-2.42%
Revenue beat(4)0
Avg Revenue beat(4)-2.4%
Min Revenue beat(4)-3.69%
Max Revenue beat(4)-1.6%
Revenue beat(8)3
Avg Revenue beat(8)1.85%
Revenue beat(12)4
Avg Revenue beat(12)0.64%
Revenue beat(16)5
Avg Revenue beat(16)0.29%
PT rev (1m)0%
PT rev (3m)1.89%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.1%
EPS NY rev (1m)0%
EPS NY rev (3m)6.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)9.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)9.45%
Valuation
Industry RankSector Rank
PE 11.53
Fwd PE 9.13
P/S 1.93
P/FCF 4.25
P/OCF 4.25
P/B 2.94
P/tB 2.94
EV/EBITDA 9.56
EPS(TTM)36.13
EY8.67%
EPS(NY)45.61
Fwd EY10.95%
FCF(TTM)97.95
FCFY23.52%
OCF(TTM)98.1
OCFY23.55%
SpS215.55
BVpS141.73
TBVpS141.73
PEG (NY)0.44
PEG (5Y)1.32
Graham Number339.44
Profitability
Industry RankSector Rank
ROA 4.91%
ROE 27.82%
ROCE 18.24%
ROIC 13.7%
ROICexc 13.75%
ROICexgc 13.84%
OM 47.63%
PM (TTM) 18.29%
GM N/A
FCFM 45.44%
ROA(3y)3.82%
ROA(5y)6.56%
ROE(3y)19.44%
ROE(5y)28.77%
ROIC(3y)9.81%
ROIC(5y)10.98%
ROICexc(3y)9.97%
ROICexc(5y)11.09%
ROICexgc(3y)10.02%
ROICexgc(5y)11.17%
ROCE(3y)13.06%
ROCE(5y)14.63%
ROICexgc growth 3Y11.32%
ROICexgc growth 5Y11.16%
ROICexc growth 3Y11.42%
ROICexc growth 5Y11.13%
OM growth 3Y-0.21%
OM growth 5Y0.2%
PM growth 3Y-14.47%
PM growth 5Y-6.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.27
Health
Industry RankSector Rank
Debt/Equity 2.74
Debt/FCF 6.03
Debt/EBITDA 3.69
Cap/Depr 6.02%
Cap/Sales 0.07%
Interest Coverage 2.52
Cash Conversion 93.3%
Profit Quality 248.41%
Current Ratio 0.03
Quick Ratio 0.03
Altman-Z 0.9
F-Score8
WACC7.59%
ROIC/WACC1.81
Cap/Depr(3y)9.18%
Cap/Depr(5y)13.71%
Cap/Sales(3y)0.12%
Cap/Sales(5y)0.19%
Profit Quality(3y)375.35%
Profit Quality(5y)293.49%
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 1Y42.82%
EBIT growth 3Y7.91%
EBIT growth 5Y6.99%
EBIT Next Year-6.64%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-7.31%
FCF growth 3Y-5.19%
FCF growth 5Y1.52%
OCF growth 1Y-7.32%
OCF growth 3Y-5.22%
OCF growth 5Y1.37%

CREDIT ACCEPTANCE CORP / CACC Fundamental Analysis 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 7 / 10 to CREDIT ACCEPTANCE CORP (CACC). This can be considered as Undervalued.


How profitable is CREDIT ACCEPTANCE CORP (CACC) stock?

CREDIT ACCEPTANCE CORP (CACC) has a profitability rating of 6 / 10.


What is the financial health of CREDIT ACCEPTANCE CORP (CACC) stock?

The financial health rating of CREDIT ACCEPTANCE CORP (CACC) is 3 / 10.


What is the expected EPS growth for CREDIT ACCEPTANCE CORP (CACC) stock?

The Earnings per Share (EPS) of CREDIT ACCEPTANCE CORP (CACC) is expected to grow by 26.24% in the next year.