CREDIT ACCEPTANCE CORP (CACC) Fundamental Analysis & Valuation
NASDAQ:CACC • US2253101016
510.56 USD
+20.53 (+4.19%)
Last: Mar 5, 2026, 01:19 PM
This CACC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Taking everything into account, CACC scores 4 out of 10 in our fundamental rating. CACC was compared to 54 industry peers in the Consumer Finance industry. CACC has a medium profitability rating, but doesn't score so well on its financial health evaluation. CACC is not valued too expensively and it also shows a decent growth rate.
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.
- CACC had a positive operating cash flow in 4 of the past 5 years.
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.
- With an excellent Return On Equity value of 28.75%, CACC belongs to the best of the industry, outperforming 85.19% of the companies in the same industry.
- 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.
- CACC had an Average Return On Invested Capital over the past 3 years of 8.37%. This is below the industry average of 12.27%.
- 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 Rank | Sector 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%
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.
- 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 remained more or less at the same level.
| Industry Rank | Sector 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
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.
- Compared to 1 year ago, CACC has less shares outstanding
- The number of shares outstanding for CACC has been reduced compared to 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 1.19. 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 1.19, 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.
- CACC has a Debt to FCF ratio of 5.86. This is in the better half of the industry: CACC outperforms 70.37% 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 44.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.73 | ||
| Debt/FCF | 5.86 | ||
| Altman-Z | 1.19 |
ROIC/WACC1.36
WACC7.55%
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 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.
- Measured over the past years, CACC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.73% on average per year.
- CACC shows a small growth in Revenue. In the last year, the Revenue has grown by 7.16%.
- 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
- 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.
- 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
- The Price/Earnings ratio is 14.13, which indicates a correct valuation of CACC.
- CACC's Price/Earnings is on the same level as the industry average.
- CACC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.03.
- Based on the Price/Forward Earnings ratio of 11.19, the valuation of CACC can be described as reasonable.
- CACC's Price/Forward Earnings is on the same level as the industry average.
- CACC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.11.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.13 | ||
| Fwd PE | 11.19 |
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.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.02 | ||
| EV/EBITDA | 10.64 |
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.
- CACC's earnings are expected to grow with 20.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.54
PEG (5Y)1.62
EPS Next 2Y20.21%
EPS Next 3YN/A
5. CACC Dividend Analysis
5.1 Amount
- CACC does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
CACC Fundamentals: All Metrics, Ratios and Statistics
NASDAQ:CACC (3/5/2026, 1:19:49 PM)
510.56
+20.53 (+4.19%)
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 Owners71.95%
Inst Owner Change8.5%
Ins Owners20.24%
Ins Owner Change3.35%
Market Cap5.45B
Revenue(TTM)2.32B
Net Income(TTM)453.90M
Analysts48.89
Price Target476 (-6.77%)
Short Float %22.54%
Short Ratio6.26
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)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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.13 | ||
| Fwd PE | 11.19 | ||
| P/S | 2.37 | ||
| P/FCF | 5.02 | ||
| P/OCF | 5.01 | ||
| P/B | 3.45 | ||
| P/tB | 3.45 | ||
| EV/EBITDA | 10.64 |
EPS(TTM)36.13
EY7.08%
EPS(NY)45.61
Fwd EY8.93%
FCF(TTM)101.78
FCFY19.93%
OCF(TTM)101.96
OCFY19.97%
SpS215.66
BVpS147.81
TBVpS147.81
PEG (NY)0.54
PEG (5Y)1.62
Graham Number346.64
Profitability
| Industry Rank | Sector 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 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-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.