472.03 USD
-1.46 (-0.31%)
472.03 USD
0 (0%)
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 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- CACC had positive earnings in the past year.
- CACC had a positive operating cash flow in the past year.
- Each year in the past 5 years CACC has been profitable.
- Each year in the past 5 years CACC had a positive operating cash flow.
1.2 Ratios
- CACC has a Return On Assets of 5.25%. This is in the better half of the industry: CACC outperforms 68.52% of its industry peers.
- CACC's Return On Equity of 28.75% is amongst the best of the industry. CACC outperforms 85.19% of its industry peers.
- CACC has a better Return On Invested Capital (10.46%) than 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 12.42%.
- The last Return On Invested Capital (10.46%) for CACC is above the 3 year average (8.71%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.25% | ||
| ROE | 28.75% | ||
| ROIC | 10.46% |
ROA(3y)4.77%
ROA(5y)6.71%
ROE(3y)21.16%
ROE(5y)26.86%
ROIC(3y)8.71%
ROIC(5y)10.05%
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 declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 46.1% | ||
| PM (TTM) | 19.71% | ||
| GM | N/A |
OM growth 3Y-22.51%
OM growth 5Y-12.78%
PM growth 3Y-39.45%
PM growth 5Y-23.61%
GM growth 3YN/A
GM growth 5YN/A
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.
- Compared to 5 years ago, CACC has less shares outstanding
- CACC has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 1.19, we must say that CACC is in the distress zone and has some risk of bankruptcy.
- With a decent Altman-Z score value of 1.19, CACC is doing good in the industry, outperforming 68.52% of the companies in the same industry.
- CACC has a debt to FCF ratio of 5.86. This is a neutral value as CACC would need 5.86 years to pay back of all of its debts.
- CACC has a better Debt to FCF ratio (5.86) than 72.22% of its industry peers.
- A Debt/Equity ratio of 3.73 is on the high side and indicates that CACC has dependencies on debt financing.
- CACC has a Debt to Equity ratio of 3.73. This is comparable to the rest of the industry: CACC outperforms 42.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.73 | ||
| Debt/FCF | 5.86 | ||
| Altman-Z | 1.19 |
ROIC/WACC1.32
WACC7.95%
2.3 Liquidity
- A Current Ratio of 0.03 indicates that CACC may have some problems paying its short term obligations.
- The Current ratio of CACC (0.03) is worse than 79.63% of its industry peers.
- 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 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 small growth in Earnings Per Share. In the last year, the EPS has grown by 4.85%.
- CACC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.14% yearly.
- CACC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.30%.
- The Revenue has been growing slightly by 7.75% on average over the past years.
EPS 1Y (TTM)4.85%
EPS 3Y-13.43%
EPS 5Y2.14%
EPS Q2Q%5.8%
Revenue 1Y (TTM)10.3%
Revenue growth 3Y5.23%
Revenue growth 5Y7.75%
Sales Q2Q%5.83%
3.2 Future
- The Earnings Per Share is expected to grow by 5.73% on average over the next years.
- Based on estimates for the next years, CACC will show a small growth in Revenue. The Revenue will grow by 1.13% on average per year.
EPS Next Y1.29%
EPS Next 2Y5.27%
EPS Next 3Y5.73%
EPS Next 5YN/A
Revenue Next Year3.91%
Revenue Next 2Y3.1%
Revenue Next 3Y1.13%
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.
- 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
- Based on the Price/Earnings ratio of 12.63, the valuation of CACC can be described as correct.
- CACC's Price/Earnings is on the same level as the industry average.
- When comparing the Price/Earnings ratio of CACC to the average of the S&P500 Index (27.38), we can say CACC is valued rather cheaply.
- The Price/Forward Earnings ratio is 11.05, 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 is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.63 | ||
| Fwd PE | 11.05 |
4.2 Price Multiples
- 68.52% of the companies in the same industry are more expensive than CACC, based on the Enterprise Value to EBITDA ratio.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of CACC indicates a somewhat cheap valuation: CACC is cheaper than 66.67% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.79 | ||
| EV/EBITDA | 10.61 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- CACC has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)9.83
PEG (5Y)5.9
EPS Next 2Y5.27%
EPS Next 3Y5.73%
5. Dividend
5.1 Amount
- No dividends for CACC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
472.03
-1.46 (-0.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-30 2025-10-30/amc
Earnings (Next)01-29 2026-01-29/amc
Inst Owners71.95%
Inst Owner Change-0.01%
Ins Owners20.24%
Ins Owner Change3.56%
Market Cap5.21B
Revenue(TTM)2.30B
Net Income(TTM)453.90M
Analysts46.67
Price Target474.81 (0.59%)
Short Float %23.85%
Short Ratio9.94
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)-0.43%
EPS NQ rev (1m)1.17%
EPS NQ rev (3m)1.74%
EPS NY rev (1m)0%
EPS NY rev (3m)1.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-12.81%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-11.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.63 | ||
| Fwd PE | 11.05 | ||
| P/S | 2.26 | ||
| P/FCF | 4.79 | ||
| P/OCF | 4.78 | ||
| P/B | 3.3 | ||
| P/tB | 3.3 | ||
| EV/EBITDA | 10.61 |
EPS(TTM)37.38
EY7.92%
EPS(NY)42.7
Fwd EY9.05%
FCF(TTM)98.55
FCFY20.88%
OCF(TTM)98.72
OCFY20.91%
SpS208.81
BVpS143.12
TBVpS143.12
PEG (NY)9.83
PEG (5Y)5.9
Graham Number346.94
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.25% | ||
| ROE | 28.75% | ||
| ROCE | 13.67% | ||
| ROIC | 10.46% | ||
| ROICexc | 10.48% | ||
| ROICexgc | 10.53% | ||
| OM | 46.1% | ||
| PM (TTM) | 19.71% | ||
| GM | N/A | ||
| FCFM | 47.2% |
ROA(3y)4.77%
ROA(5y)6.71%
ROE(3y)21.16%
ROE(5y)26.86%
ROIC(3y)8.71%
ROIC(5y)10.05%
ROICexc(3y)8.86%
ROICexc(5y)10.15%
ROICexgc(3y)8.92%
ROICexgc(5y)10.22%
ROCE(3y)11.39%
ROCE(5y)13.13%
ROICexgc growth 3Y-18.43%
ROICexgc growth 5Y-5.46%
ROICexc growth 3Y-18.36%
ROICexc growth 5Y-5.47%
OM growth 3Y-22.51%
OM growth 5Y-12.78%
PM growth 3Y-39.45%
PM growth 5Y-23.61%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
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 | 1.19 |
F-Score8
WACC7.95%
ROIC/WACC1.32
Cap/Depr(3y)11.21%
Cap/Depr(5y)19.65%
Cap/Sales(3y)0.15%
Cap/Sales(5y)0.28%
Profit Quality(3y)369.42%
Profit Quality(5y)290.21%
High Growth Momentum
Growth
EPS 1Y (TTM)4.85%
EPS 3Y-13.43%
EPS 5Y2.14%
EPS Q2Q%5.8%
EPS Next Y1.29%
EPS Next 2Y5.27%
EPS Next 3Y5.73%
EPS Next 5YN/A
Revenue 1Y (TTM)10.3%
Revenue growth 3Y5.23%
Revenue growth 5Y7.75%
Sales Q2Q%5.83%
Revenue Next Year3.91%
Revenue Next 2Y3.1%
Revenue Next 3Y1.13%
Revenue Next 5YN/A
EBIT growth 1Y59.22%
EBIT growth 3Y-18.46%
EBIT growth 5Y-6.02%
EBIT Next Year41.8%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-7.56%
FCF growth 3Y2.28%
FCF growth 5Y7.66%
OCF growth 1Y-7.67%
OCF growth 3Y2.09%
OCF growth 5Y6.97%
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 5 / 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.