CREDIT ACCEPTANCE CORP (CACC) Fundamental Analysis & Valuation

NASDAQ:CACC • US2253101016

Current stock price

521.23 USD
-21.48 (-3.96%)
At close:
521.23 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

  • In the past year CACC was profitable.
  • CACC had a positive operating cash flow in the past year.
  • In the past 5 years CACC has always been profitable.
  • Each year in the past 5 years CACC had a positive operating cash flow.
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

  • With a decent Return On Assets value of 4.91%, CACC is doing good in the industry, outperforming 70.37% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 27.82%, CACC is in the better half of the industry, outperforming 79.63% of the companies in the same industry.
  • CACC has a Return On Invested Capital of 13.70%. This is amongst the best in the industry. CACC outperforms 83.33% of its industry peers.
  • 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 9.60%.
  • 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

  • The Profit Margin of CACC (18.29%) is better than 70.37% of its industry peers.
  • In the last couple of years the Profit Margin of CACC has declined.
  • CACC has a better Operating Margin (47.63%) 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 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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3

2. CACC Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CACC is creating some value.
  • CACC has less shares outstanding than it did 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.
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 1.02. 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 1.02, CACC is in the better half of the industry, outperforming 62.96% of the companies in the same industry.
  • 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.
  • CACC has a Debt to FCF ratio of 6.03. This is in the better half of the industry: CACC outperforms 68.52% 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.
  • Looking at the Debt to Equity ratio, with a value of 2.74, CACC is in line with its industry, outperforming 44.44% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.74
Debt/FCF 6.03
Altman-Z 1.02
ROIC/WACC1.74
WACC7.88%
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.
  • CACC has a worse Current ratio (0.03) than 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 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%.
  • The Earnings Per Share has been growing by 8.73% on average over the past years. This is quite good.
  • 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
  • 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

  • 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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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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6

4. CACC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 14.43, which indicates a correct valuation of CACC.
  • 61.11% of the companies in the same industry are cheaper than CACC, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.71. CACC is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 11.43, the valuation of CACC can be described as reasonable.
  • CACC's Price/Forward Earnings is on the same level as the industry average.
  • CACC is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.09, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.43
Fwd PE 11.43
CACC Price Earnings VS Forward Price EarningsCACC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, CACC is valued a bit cheaper than 74.07% of the companies in the same industry.
  • CACC's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 5.32
EV/EBITDA 10.76
CACC Per share dataCACC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200

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.
  • CACC's earnings are expected to grow with 20.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.55
PEG (5Y)1.65
EPS Next 2Y20.21%
EPS Next 3YN/A

More info and screens

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%

More info and screens

Find the best dividend stocksShow peers with best dividend

CACC Fundamentals: All Metrics, Ratios and Statistics

CREDIT ACCEPTANCE CORP

NASDAQ:CACC (4/21/2026, 8:00:03 PM)

After market: 521.23 0 (0%)

521.23

-21.48 (-3.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners78.56%
Inst Owner Change0.46%
Ins Owners20.06%
Ins Owner Change3.34%
Market Cap5.60B
Revenue(TTM)2.32B
Net Income(TTM)423.90M
Analysts47.5
Price Target469.2 (-9.98%)
Short Float %19.91%
Short Ratio4.59
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)-1.43%
PT rev (3m)-1.18%
EPS NQ rev (1m)0.47%
EPS NQ rev (3m)1.3%
EPS NY rev (1m)0%
EPS NY rev (3m)6.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)9.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)9.1%
Valuation
Industry RankSector Rank
PE 14.43
Fwd PE 11.43
P/S 2.42
P/FCF 5.32
P/OCF 5.31
P/B 3.68
P/tB 3.68
EV/EBITDA 10.76
EPS(TTM)36.13
EY6.93%
EPS(NY)45.61
Fwd EY8.75%
FCF(TTM)97.95
FCFY18.79%
OCF(TTM)98.1
OCFY18.82%
SpS215.55
BVpS141.73
TBVpS141.73
PEG (NY)0.55
PEG (5Y)1.65
Graham Number339.435 (-34.88%)
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 1.02
F-Score8
WACC7.88%
ROIC/WACC1.74
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.