CREDIT ACCEPTANCE CORP (CACC) Fundamental Analysis & Valuation

NASDAQ:CACC • US2253101016

511.28 USD
+21.25 (+4.34%)
At close: Mar 5, 2026
511.28 USD
0 (0%)
After Hours: 3/5/2026, 8:00:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This CACC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Overall CACC gets a fundamental rating of 4 out of 10. We evaluated CACC against 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 is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

6

1. CACC Profitability Analysis

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.
  • 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

  • With a decent Return On Assets value of 5.25%, CACC is doing good in the industry, outperforming 68.52% of the companies in the same industry.
  • CACC has a better Return On Equity (28.75%) than 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 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 12.27%.
  • The 3 year average ROIC (8.37%) for CACC is below the current ROIC(10.26%), indicating increased profibility in the last year.
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

  • 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.
  • CACC's Profit Margin has declined in the last couple of years.
  • CACC's Operating Margin of 46.10% is amongst the best of the industry. CACC outperforms 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. 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.
  • Compared to 5 years ago, CACC has less shares outstanding
  • 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

  • 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.
  • Looking at the Altman-Z score, with a value of 1.19, CACC is in the better half of 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.
  • The Debt to FCF ratio of CACC (5.86) is better 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.
  • CACC's Debt to Equity ratio of 3.73 is in line compared to the rest of the industry. CACC outperforms 44.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.73
Debt/FCF 5.86
Altman-Z 1.19
ROIC/WACC1.36
WACC7.55%
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

  • A Current Ratio of 0.03 indicates that CACC may have some problems paying its short term obligations.
  • With a Current ratio value of 0.03, CACC is not doing good in the industry: 79.63% of the companies in the same industry are doing better.
  • 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 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. CACC Growth Analysis

3.1 Past

  • The earnings per share for CACC have decreased by -6.23% in the last year.
  • CACC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.73% yearly.
  • 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

  • CACC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.21% yearly.
  • 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

  • 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.
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

  • A Price/Earnings ratio of 14.15 indicates a correct valuation of CACC.
  • CACC's Price/Earnings ratio is in line with the industry average.
  • CACC is valuated rather cheaply when we compare the Price/Earnings ratio to 26.74, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 11.21, 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.
  • The average S&P500 Price/Forward Earnings ratio is at 24.82. CACC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.15
Fwd PE 11.21
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 the industry average as 64.81% 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 64.81% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.02
EV/EBITDA 10.64
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.
  • CACC has a very decent profitability rating, which 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)1.62
EPS Next 2Y20.21%
EPS Next 3YN/A

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

0

5. CACC Dividend Analysis

5.1 Amount

  • CACC does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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CACC Fundamentals: All Metrics, Ratios and Statistics

CREDIT ACCEPTANCE CORP

NASDAQ:CACC (3/5/2026, 8:00:03 PM)

After market: 511.28 0 (0%)

511.28

+21.25 (+4.34%)

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 Cap5.46B
Revenue(TTM)2.32B
Net Income(TTM)453.90M
Analysts48.89
Price Target476 (-6.9%)
Short Float %22.54%
Short Ratio6.26
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)0%
EPS NQ rev (3m)-2.64%
EPS NY rev (1m)2.66%
EPS NY rev (3m)6.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.67%
Revenue NY rev (1m)-1.04%
Revenue NY rev (3m)-2.38%
Valuation
Industry RankSector Rank
PE 14.15
Fwd PE 11.21
P/S 2.37
P/FCF 5.02
P/OCF 5.01
P/B 3.46
P/tB 3.46
EV/EBITDA 10.64
EPS(TTM)36.13
EY7.07%
EPS(NY)45.61
Fwd EY8.92%
FCF(TTM)101.78
FCFY19.91%
OCF(TTM)101.96
OCFY19.94%
SpS215.66
BVpS147.81
TBVpS147.81
PEG (NY)0.54
PEG (5Y)1.62
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
WACC7.55%
ROIC/WACC1.36
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.