CREDIT ACCEPTANCE CORP (CACC) Fundamental Analysis & Valuation

NASDAQ:CACC • US2253101016

496.75 USD
-14.53 (-2.84%)
Last: Mar 6, 2026, 11:47 AM
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. CACC has a medium profitability rating, but doesn't score so well on its financial health evaluation. CACC has a correct valuation and a medium 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

  • The Return On Assets of CACC (5.25%) is better than 66.67% of its industry peers.
  • CACC has a better Return On Equity (28.75%) than 83.33% of its industry peers.
  • The Return On Invested Capital of CACC (10.26%) is better 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 12.33%.
  • 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 better Profit Margin (19.71%) than 72.22% of its industry peers.
  • CACC's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 46.10%, CACC belongs to the top of the industry, outperforming 96.30% of the companies in the same industry.
  • In the last couple of years the Operating Margin of CACC has remained more or less at the same level.
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

  • CACC has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • CACC has less shares outstanding than it did 1 year ago.
  • 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.
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 1.21. This is a bad value and indicates that CACC is not financially healthy and even has some risk of bankruptcy.
  • CACC's Altman-Z score of 1.21 is fine compared to the rest of the industry. CACC outperforms 68.52% of its industry peers.
  • 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's Debt to FCF ratio of 5.86 is fine compared to the rest 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 (3.73) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 3.73
Debt/FCF 5.86
Altman-Z 1.21
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.
  • 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. 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.
  • 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

  • CACC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.21% yearly.
  • The Revenue is expected to grow by 2.03% on average over the next years.
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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6

4. CACC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.75 indicates a correct valuation of CACC.
  • Based on the Price/Earnings ratio, CACC is valued a bit more expensive than the industry average as 61.11% of the companies are valued more cheaply.
  • When comparing the Price/Earnings ratio of CACC to the average of the S&P500 Index (26.69), we can say CACC is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 10.89, which indicates a very decent valuation of CACC.
  • CACC's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.79, CACC is valued rather cheaply.
Industry RankSector Rank
PE 13.75
Fwd PE 10.89
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 64.81% of the companies in the same industry.
  • 64.81% of the companies in the same industry are more expensive than CACC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 4.88
EV/EBITDA 10.85
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.
  • CACC's earnings are expected to grow with 20.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)1.58
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%

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CACC Fundamentals: All Metrics, Ratios and Statistics

CREDIT ACCEPTANCE CORP

NASDAQ:CACC (3/6/2026, 11:47:40 AM)

496.75

-14.53 (-2.84%)

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 Cap5.31B
Revenue(TTM)2.32B
Net Income(TTM)453.90M
Analysts48.89
Price Target476 (-4.18%)
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 13.75
Fwd PE 10.89
P/S 2.3
P/FCF 4.88
P/OCF 4.87
P/B 3.36
P/tB 3.36
EV/EBITDA 10.85
EPS(TTM)36.13
EY7.27%
EPS(NY)45.61
Fwd EY9.18%
FCF(TTM)101.78
FCFY20.49%
OCF(TTM)101.96
OCFY20.52%
SpS215.66
BVpS147.81
TBVpS147.81
PEG (NY)0.52
PEG (5Y)1.58
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 1.21
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.