CREDIT ACCEPTANCE CORP (CACC) Fundamental Analysis & Valuation
NASDAQ:CACC • US2253101016
Current stock price
444.72 USD
+3.63 (+0.82%)
At close:
454 USD
+9.28 (+2.09%)
After Hours:
This CACC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
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.
- CACC had positive earnings in each of the past 5 years.
- CACC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of CACC (4.91%) is better than 68.52% of its industry peers.
- CACC has a Return On Equity of 27.82%. This is in the better half of the industry: CACC outperforms 79.63% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 13.70%, CACC belongs to the top of the industry, outperforming 85.19% of the companies in the same industry.
- CACC had an Average Return On Invested Capital over the past 3 years of 9.81%. This is in line with the industry average of 9.87%.
- 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 Rank | Sector 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%
1.3 Margins
- With a decent Profit Margin value of 18.29%, CACC is doing good in the industry, outperforming 70.37% of the companies in the same industry.
- CACC's Profit Margin has declined in the last couple of years.
- With an excellent Operating Margin value of 47.63%, CACC belongs to the best 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 | 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
2. CACC Health Analysis
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.
- The debt/assets ratio for CACC is higher compared to a year ago.
2.2 Solvency
- CACC has an Altman-Z score of 0.93. This is a bad value and indicates that CACC is not financially healthy and even has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 0.93, CACC is in the better half of the industry, outperforming 61.11% of the companies in the same industry.
- The Debt to FCF ratio of CACC is 6.03, which is on the high side as it means it would take CACC, 6.03 years of fcf income to pay off all of its debts.
- CACC has a Debt to FCF ratio of 6.03. This is in the better half of the industry: CACC outperforms 70.37% of its industry peers.
- CACC has a Debt/Equity ratio of 2.74. This is a high value indicating a heavy dependency on external financing.
- CACC's Debt to Equity ratio of 2.74 is in line compared to the rest of the industry. CACC outperforms 42.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.74 | ||
| Debt/FCF | 6.03 | ||
| Altman-Z | 0.93 |
ROIC/WACC1.77
WACC7.72%
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 has a Current ratio of 0.03. This is amonst the worse of the industry: CACC underperforms 81.48% 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.
- CACC's Quick ratio of 0.03 is on the low side compared to the rest of the industry. CACC is outperformed by 81.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.03 | ||
| Quick Ratio | 0.03 |
3. CACC Growth Analysis
3.1 Past
- The earnings per share for CACC have decreased by -6.23% in the last year.
- 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%.
- 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.
- Based on estimates for the next years, CACC will show a small growth in Revenue. The Revenue will grow by 2.03% on average per year.
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. CACC Valuation Analysis
4.1 Price/Earnings Ratio
- CACC is valuated correctly with a Price/Earnings ratio of 12.31.
- CACC's Price/Earnings ratio is a bit more expensive when compared to the industry. CACC is more expensive than 62.96% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 26.21, CACC is valued rather cheaply.
- A Price/Forward Earnings ratio of 9.75 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.
- CACC is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.31 | ||
| Fwd PE | 9.75 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, CACC is valued a bit cheaper than the industry average as 72.22% of the companies are valued more expensively.
- CACC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CACC is cheaper than 61.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.54 | ||
| EV/EBITDA | 9.83 |
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)0.47
PEG (5Y)1.41
EPS Next 2Y20.21%
EPS Next 3YN/A
5. CACC Dividend Analysis
5.1 Amount
- No dividends for CACC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
CACC Fundamentals: All Metrics, Ratios and Statistics
444.72
+3.63 (+0.82%)
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 Owners78.38%
Inst Owner Change0%
Ins Owners19.88%
Ins Owner Change3.34%
Market Cap4.78B
Revenue(TTM)2.32B
Net Income(TTM)423.90M
Analysts47.5
Price Target476 (7.03%)
Short Float %21.33%
Short Ratio4.96
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)-8.09%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.31 | ||
| Fwd PE | 9.75 | ||
| P/S | 2.06 | ||
| P/FCF | 4.54 | ||
| P/OCF | 4.53 | ||
| P/B | 3.14 | ||
| P/tB | 3.14 | ||
| EV/EBITDA | 9.83 |
EPS(TTM)36.13
EY8.12%
EPS(NY)45.61
Fwd EY10.26%
FCF(TTM)97.95
FCFY22.03%
OCF(TTM)98.1
OCFY22.06%
SpS215.55
BVpS141.73
TBVpS141.73
PEG (NY)0.47
PEG (5Y)1.41
Graham Number339.44
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.93 |
F-Score8
WACC7.72%
ROIC/WACC1.77
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 6 / 10 to CREDIT ACCEPTANCE CORP (CACC). This can be considered as Fairly Valued.
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.