CREDIT ACCEPTANCE CORP (CACC) Stock Fundamental Analysis

NASDAQ:CACC • US2253101016

476.565 USD
-10.37 (-2.13%)
Last: Feb 27, 2026, 10:52 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to CACC. CACC was compared to 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 may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

6

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.
  • Of the past 5 years CACC 4 years 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

  • CACC has a Return On Assets of 5.25%. This is in the better half of the industry: CACC outperforms 66.67% of its industry peers.
  • CACC has a Return On Equity of 28.75%. This is amongst the best in the industry. CACC outperforms 85.19% of its industry peers.
  • CACC's Return On Invested Capital of 10.26% is fine compared to the rest of the industry. CACC outperforms 77.78% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for CACC is below the industry average of 12.20%.
  • 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 RankSector 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%
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 has a Profit Margin of 19.71%. This is in the better half of the industry: CACC outperforms 72.22% of its industry peers.
  • CACC's Profit Margin has declined in the last couple of years.
  • The Operating Margin of CACC (46.10%) is better than 96.30% of its industry peers.
  • CACC's Operating Margin has been stable in the last couple of years.
Industry RankSector 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
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. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so CACC is still 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.
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 1.19. 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 1.19, CACC is doing good in the industry, outperforming 70.37% 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 has a better Debt to FCF ratio (5.86) than 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.
  • The Debt to Equity ratio of CACC (3.73) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 3.73
Debt/FCF 5.86
Altman-Z 1.19
ROIC/WACC1.35
WACC7.62%
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 2B 4B 6B

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 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.
  • Looking at the Quick ratio, with a value of 0.03, CACC is doing worse than 79.63% of the companies in the same industry.
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

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

4

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%.
  • 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.
  • 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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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.19, CACC is valued correctly.
  • CACC's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of CACC to the average of the S&P500 Index (27.11), we can say CACC is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.45, the valuation of CACC can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CACC.
  • CACC is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.19
Fwd PE 10.45
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 66.67% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, CACC is valued a bit cheaper than 64.81% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.68
EV/EBITDA 10.61
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.
  • CACC has a very decent profitability rating, which 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)0.5
PEG (5Y)1.51
EPS Next 2Y20.21%
EPS Next 3YN/A

More info and screens

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

0

5. Dividend

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

CREDIT ACCEPTANCE CORP

NASDAQ:CACC (2/27/2026, 10:52:21 AM)

476.565

-10.37 (-2.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners71.95%
Inst Owner Change8.5%
Ins Owners20.24%
Ins Owner Change3.35%
Market Cap5.09B
Revenue(TTM)2.32B
Net Income(TTM)453.90M
Analysts48.89
Price Target476 (-0.12%)
Short Float %24.19%
Short Ratio7.91
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)-8.41%
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)-3.76%
EPS NQ rev (3m)-4.01%
EPS NY rev (1m)2.66%
EPS NY rev (3m)6.81%
Revenue NQ rev (1m)0.75%
Revenue NQ rev (3m)-0.67%
Revenue NY rev (1m)-1.04%
Revenue NY rev (3m)-2.38%
Valuation
Industry RankSector Rank
PE 13.19
Fwd PE 10.45
P/S 2.21
P/FCF 4.68
P/OCF 4.67
P/B 3.22
P/tB 3.22
EV/EBITDA 10.61
EPS(TTM)36.13
EY7.58%
EPS(NY)45.61
Fwd EY9.57%
FCF(TTM)101.78
FCFY21.36%
OCF(TTM)101.96
OCFY21.39%
SpS215.66
BVpS147.81
TBVpS147.81
PEG (NY)0.5
PEG (5Y)1.51
Graham Number346.64
Profitability
Industry RankSector 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 RankSector 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 1.19
F-Score7
WACC7.62%
ROIC/WACC1.35
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 7 / 10 to CREDIT ACCEPTANCE CORP (CACC). This can be considered as Undervalued.


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.