Credit Acceptance Corporation (BVMF:CRDA34)

Credit Acceptance Statistics

Total Valuation

BVMF:CRDA34 has a market cap or net worth of BRL 26.00 billion.

Market Cap	26.00B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Friday, January 30, 2026.

Earnings Date	Jan 30, 2026
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	n/a
Shares Outstanding	n/a
Shares Change (YoY)	-4.79%
Shares Change (QoQ)	-2.54%
Owned by Insiders (%)	14.69%
Owned by Institutions (%)	56.22%
Float	7.00M

Valuation Ratios

The trailing PE ratio is 10.75 and the forward PE ratio is 11.11.

PE Ratio	10.75
Forward PE	11.11
PS Ratio	3.96
PB Ratio	3.09
P/TBV Ratio	3.09
P/FCF Ratio	4.48
P/OCF Ratio	4.47
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 9.73, with a Debt / Equity ratio of 4.03.

Current Ratio	9.73
Quick Ratio	9.18
Debt / Equity	4.03
Debt / EBITDA	n/a
Debt / FCF	5.85
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 28.14%.

Return on Equity (ROE)	28.14%
Return on Assets (ROA)	5.24%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	2.70M
Profits Per Employee	994,851
Employee Count	2,431
Asset Turnover	0.14
Inventory Turnover	n/a

Taxes

In the past 12 months, BVMF:CRDA34 has paid 780.76 million in taxes.

Income Tax	780.76M
Effective Tax Rate	24.40%

Stock Price Statistics

The stock price has decreased by -23.34% in the last 52 weeks. The beta is 1.27, so BVMF:CRDA34's price volatility has been higher than the market average.

Beta (5Y)	1.27
52-Week Price Change	-23.34%
50-Day Moving Average	248.91
200-Day Moving Average	299.54
Relative Strength Index (RSI)	45.21
Average Volume (20 Days)	58

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	6.65

Income Statement

In the last 12 months, BVMF:CRDA34 had revenue of BRL 6.57 billion and earned 2.42 billion in profits. Earnings per share was 201.92.

Revenue	6.57B
Gross Profit	6.19B
Operating Income	3.21B
Pretax Income	3.20B
Net Income	2.42B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	201.92

Balance Sheet

The company has 84.74 million in cash and 33.94 billion in debt, giving a net cash position of -33.86 billion.

Cash & Cash Equivalents	84.74M
Total Debt	33.94B
Net Cash	-33.86B
Net Cash Per Share	n/a
Equity (Book Value)	8.41B
Book Value Per Share	761.95
Working Capital	40.57B

Cash Flow

In the last 12 months, operating cash flow was 5.82 billion and capital expenditures -10.13 million, giving a free cash flow of 5.81 billion.

Operating Cash Flow	5.82B
Capital Expenditures	-10.13M
Free Cash Flow	5.81B
FCF Per Share	n/a

Margins

Gross margin is 94.14%, with operating and profit margins of 48.79% and 36.81%.

Gross Margin	94.14%
Operating Margin	48.79%
Pretax Margin	48.69%
Profit Margin	36.81%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	88.38%

Dividends & Yields

BVMF:CRDA34 does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	4.79%
Shareholder Yield	4.79%
Earnings Yield	9.30%
FCF Yield	22.34%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	6