Credit Acceptance Statistics
Total Valuation
CACC has a market cap or net worth of $6.33 billion. The enterprise value is $11.37 billion.
| Market Cap | 6.33B |
| Enterprise Value | 11.37B |
Important Dates
The next estimated earnings date is Tuesday, July 30, 2024, after market close.
| Earnings Date | Jul 30, 2024 |
| Ex-Dividend Date | n/a |
Share Statistics
CACC has 12.11 million shares outstanding. The number of shares has decreased by -3.26% in one year.
| Shares Outstanding | 12.11M |
| Shares Change (YoY) | -3.26% |
| Shares Change (QoQ) | -1.48% |
| Owned by Insiders (%) | 30.93% |
| Owned by Institutions (%) | 66.27% |
| Float | 6.21M |
Valuation Ratios
The trailing PE ratio is 26.85 and the forward PE ratio is 13.71. CACC's PEG ratio is 1.15.
| PE Ratio | 26.85 |
| Forward PE | 13.71 |
| PS Ratio | 3.24 |
| Forward PS | 3.20 |
| PB Ratio | 3.83 |
| P/FCF Ratio | 5.21 |
| PEG Ratio | 1.15 |
Enterprise Valuation
The stock's EV/EBITDA ratio is 17.25, with an EV/FCF ratio of 9.37.
| EV / Earnings | 45.32 |
| EV / Sales | 5.81 |
| EV / EBITDA | 17.25 |
| EV / EBIT | 18.00 |
| EV / FCF | 9.37 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 3.40 |
| Debt / EBITDA | 8.51 |
| Debt / FCF | 4.62 |
| Interest Coverage | 2.07 |
Financial Efficiency
Return on equity (ROE) is 14.60% and return on invested capital (ROIC) is 6.69%.
| Return on Equity (ROE) | 14.60% |
| Return on Assets (ROA) | 3.30% |
| Return on Capital (ROIC) | 6.69% |
| Revenue Per Employee | $876,389 |
| Profits Per Employee | $112,410 |
| Employee Count | 2,232 |
| Asset Turnover | 0.26 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CACC has paid $76.30 million in taxes.
| Income Tax | 76.30M |
| Effective Tax Rate | 23.32% |
Stock Price Statistics
The stock price has increased by +1.12% in the last 52 weeks. The beta is 1.43, so CACC's price volatility has been higher than the market average.
| Beta (5Y) | 1.43 |
| 52-Week Price Change | +1.12% |
| 50-Day Moving Average | 499.38 |
| 200-Day Moving Average | 500.80 |
| Relative Strength Index (RSI) | 65.23 |
| Average Volume (20 Days) | 44,813 |
Short Selling Information
The latest short interest is 657,020, so 5.42% of the outstanding shares have been sold short.
| Short Interest | 657,020 |
| Short Previous Month | 659,791 |
| Short % of Shares Out | 5.42% |
| Short % of Float | 10.58% |
| Short Ratio (days to cover) | 16.24 |
Income Statement
In the last 12 months, CACC had revenue of $1.96 billion and earned $250.90 million in profits. Earnings per share was $19.46.
| Revenue | 1.96B |
| Gross Profit | 1.10B |
| Operating Income | 633.60M |
| Pretax Income | 327.20M |
| Net Income | 250.90M |
| EBITDA | 659.10M |
| EBIT | 631.80M |
| Earnings Per Share (EPS) | $19.46 |
Balance Sheet
The company has $567.60 million in cash and $5.61 billion in debt, giving a net cash position of -$5.04 billion or -$416.47 per share.
| Cash & Cash Equivalents | 567.60M |
| Total Debt | 5.61B |
| Net Cash | -5.04B |
| Net Cash Per Share | -$416.47 |
| Equity (Book Value) | 1.65B |
| Book Value Per Share | 136.42 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was $1.22 billion and capital expenditures -$3.40 million, giving a free cash flow of $1.21 billion.
| Operating Cash Flow | 1.22B |
| Capital Expenditures | -3.40M |
| Free Cash Flow | 1.21B |
| FCF Per Share | $97.26 |
Margins
Gross margin is 56.31%, with operating and profit margins of 32.39% and 12.83%.
| Gross Margin | 56.31% |
| Operating Margin | 32.39% |
| Pretax Margin | 16.73% |
| Profit Margin | 12.83% |
| EBITDA Margin | 33.69% |
| EBIT Margin | 32.30% |
| FCF Margin | 62.06% |
Dividends & Yields
CACC 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 | 3.26% |
| Shareholder Yield | 3.26% |
| Earnings Yield | 3.96% |
| FCF Yield | 19.18% |
Analyst Forecast
The average price target for CACC is $402.33, which is -23.00% lower than the current price. The consensus rating is "Sell".
| Price Target | $402.33 |
| Price Target Difference | -23.00% |
| Analyst Consensus | Sell |
| Analyst Count | 3 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock Splits
The last stock split was on December 21, 1994. It was a forward split with a ratio of 2:1.
| Last Split Date | Dec 21, 1994 |
| Split Type | Forward |
| Split Ratio | 2:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 5 |