507.26 USD
+11.29 (+2.28%)
At close: Feb 4, 2026
507.26 USD
0 (0%)
After Hours: 2/4/2026, 8:06:45 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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
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.
- Of the past 5 years CACC 4 years had a positive operating cash flow.
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.
- CACC's Return On Equity of 28.75% is amongst the best of the industry. CACC outperforms 85.19% of its industry peers.
- The Return On Invested Capital of CACC (10.26%) is better than 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
- Looking at the Profit Margin, with a value of 19.71%, CACC is in the better half of the industry, outperforming 72.22% of the companies in the same industry.
- 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
- CACC has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- The number of shares outstanding for CACC has been reduced compared to 1 year ago.
- CACC has less shares outstanding than it did 5 years ago.
- CACC has a worse debt/assets ratio than last year.
2.2 Solvency
- CACC has an Altman-Z score of 1.21. This is a bad value and indicates that CACC is not financially healthy and even has some risk of bankruptcy.
- With a decent Altman-Z score value of 1.21, CACC is doing good in the industry, outperforming 68.52% of the companies in the same industry.
- 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's Debt to FCF ratio of 5.86 is fine compared to the rest of the industry. CACC outperforms 72.22% 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.
- With a Debt to Equity ratio value of 3.73, CACC perfoms like the industry average, outperforming 42.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.73 | ||
| Debt/FCF | 5.86 | ||
| Altman-Z | 1.21 |
ROIC/WACC1.3
WACC7.9%
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.
- CACC's Current ratio of 0.03 is on the low side compared to the rest of the industry. CACC is outperformed by 79.63% of its industry peers.
- 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.
- The Quick ratio of CACC (0.03) is worse than 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%.
- 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%.
- The Revenue has been growing slightly by 6.78% on average over the past years.
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
- 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
- With a Price/Earnings ratio of 14.04, CACC is valued correctly.
- Based on the Price/Earnings ratio, CACC is valued a bit more expensive than 61.11% of the companies in the same industry.
- CACC is valuated cheaply when we compare the Price/Earnings ratio to 28.25, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 11.12, which indicates a very decent 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.
- CACC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.50.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.04 | ||
| Fwd PE | 11.12 |
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 | 5.15 | ||
| EV/EBITDA | 10.86 |
4.3 Compensation for Growth
- CACC's 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)0.54
PEG (5Y)1.61
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% |
507.26
+11.29 (+2.28%)
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 Change5.86%
Ins Owners20.24%
Ins Owner Change3.56%
Market Cap5.60B
Revenue(TTM)2.32B
Net Income(TTM)453.90M
Analysts46.67
Price Target476 (-6.16%)
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)1.64%
PT rev (3m)0.65%
EPS NQ rev (1m)-2.64%
EPS NQ rev (3m)-2.08%
EPS NY rev (1m)0%
EPS NY rev (3m)1.55%
Revenue NQ rev (1m)11.55%
Revenue NQ rev (3m)-2.73%
Revenue NY rev (1m)11.05%
Revenue NY rev (3m)-1.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.04 | ||
| Fwd PE | 11.12 | ||
| P/S | 2.43 | ||
| P/FCF | 5.15 | ||
| P/OCF | 5.14 | ||
| P/B | 3.54 | ||
| P/tB | 3.54 | ||
| EV/EBITDA | 10.86 |
EPS(TTM)36.13
EY7.12%
EPS(NY)45.61
Fwd EY8.99%
FCF(TTM)98.55
FCFY19.43%
OCF(TTM)98.72
OCFY19.46%
SpS208.81
BVpS143.12
TBVpS143.12
PEG (NY)0.54
PEG (5Y)1.61
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 | 1.21 |
F-Score7
WACC7.9%
ROIC/WACC1.3
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.