462.11 USD
+4.84 (+1.06%)
462.11 USD
0 (0%)
CACC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 55 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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
CACC had positive earnings in the past year.
In the past year CACC had a positive cash flow from operations.
Each year in the past 5 years CACC has been profitable.
In the past 5 years CACC always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 5.25%, CACC is doing good in the industry, outperforming 72.73% of the companies in the same industry.
Looking at the Return On Equity, with a value of 28.75%, CACC belongs to the top of the industry, outperforming 87.27% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 10.46%, CACC is in the better half of the industry, outperforming 78.18% of the companies in the same industry.
CACC had an Average Return On Invested Capital over the past 3 years of 8.71%. This is below the industry average of 12.59%.
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
CACC's Profit Margin of 19.71% is fine compared to the rest of the industry. CACC outperforms 76.36% of its industry peers.
In the last couple of years the Profit Margin of CACC has declined.
CACC's Operating Margin of 46.10% is amongst the best of the industry. CACC outperforms 98.18% of its industry peers.
CACC's Operating Margin has declined in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CACC is creating some value.
The number of shares outstanding for CACC has been reduced compared to 1 year ago.
The number of shares outstanding for CACC has been reduced compared to 5 years ago.
Compared to 1 year ago, CACC has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.18, we must say that CACC is in the distress zone and has some risk of bankruptcy.
With a decent Altman-Z score value of 1.18, CACC is doing good in the industry, outperforming 67.27% 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 Debt to FCF ratio of 5.86. This is in the better half of the industry: CACC outperforms 72.73% 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 worse Debt to Equity ratio (3.73) than 60.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.73 | ||
| Debt/FCF | 5.86 | ||
| Altman-Z | 1.18 |
ROIC/WACC1.1
WACC9.53%
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 83.64% 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.
CACC's Quick ratio of 0.03 is on the low side compared to the rest of the industry. CACC is outperformed by 83.64% 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%.
The Earnings Per Share has been growing slightly by 2.14% on average over the past years.
The Revenue has grown by 10.30% in the past year. This is quite good.
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
CACC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.73% yearly.
The Revenue is expected to grow by 5.62% on average over the next years.
EPS Next Y1.29%
EPS Next 2Y5.27%
EPS Next 3Y5.73%
EPS Next 5YN/A
Revenue Next Year3.91%
Revenue Next 2Y2.94%
Revenue Next 3Y5.62%
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. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.36 indicates a correct valuation of CACC.
The rest of the industry has a similar Price/Earnings ratio as CACC.
CACC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.39.
With a Price/Forward Earnings ratio of 10.82, 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's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.36 | ||
| Fwd PE | 10.82 |
4.2 Price Multiples
70.91% of the companies in the same industry are more expensive than CACC, based on the Enterprise Value to EBITDA ratio.
65.45% of the companies in the same industry are more expensive than CACC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.69 | ||
| EV/EBITDA | 10.51 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CACC does not grow enough to justify the current Price/Earnings ratio.
CACC has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)9.62
PEG (5Y)5.78
EPS Next 2Y5.27%
EPS Next 3Y5.73%
5. Dividend
5.1 Amount
No dividends for CACC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
462.11
+4.84 (+1.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners71.77%
Inst Owner Change-0.83%
Ins Owners20.25%
Ins Owner Change3.56%
Market Cap5.10B
Revenue(TTM)2.30B
Net Income(TTM)453.90M
Analysts46.67
Price Target467.16 (1.09%)
Short Float %23.54%
Short Ratio9.53
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)-0.97%
PT rev (3m)-2.03%
EPS NQ rev (1m)-1.41%
EPS NQ rev (3m)0.84%
EPS NY rev (1m)1.42%
EPS NY rev (3m)1.39%
Revenue NQ rev (1m)-10.95%
Revenue NQ rev (3m)-12.61%
Revenue NY rev (1m)-10.52%
Revenue NY rev (3m)-11.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.36 | ||
| Fwd PE | 10.82 | ||
| P/S | 2.21 | ||
| P/FCF | 4.69 | ||
| P/OCF | 4.68 | ||
| P/B | 3.23 | ||
| P/tB | 3.23 | ||
| EV/EBITDA | 10.51 |
EPS(TTM)37.38
EY8.09%
EPS(NY)42.7
Fwd EY9.24%
FCF(TTM)98.55
FCFY21.33%
OCF(TTM)98.72
OCFY21.36%
SpS208.81
BVpS143.12
TBVpS143.12
PEG (NY)9.62
PEG (5Y)5.78
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 | 1.18 |
F-Score8
WACC9.53%
ROIC/WACC1.1
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 2Y2.94%
Revenue Next 3Y5.62%
Revenue Next 5YN/A
EBIT growth 1Y59.22%
EBIT growth 3Y-18.46%
EBIT growth 5Y-6.02%
EBIT Next YearN/A
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 for 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.
What is the financial health of CREDIT ACCEPTANCE CORP (CACC) stock?
The financial health rating of CREDIT ACCEPTANCE CORP (CACC) is 3 / 10.