Credit Acceptance Statistics
Total Valuation
CACC has a market cap or net worth of $5.35 billion. The enterprise value is $11.77 billion.
Important Dates
The last earnings date was Thursday, January 29, 2026, after market close.
| Earnings Date | Jan 29, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
CACC has 10.68 million shares outstanding. The number of shares has decreased by -4.79% in one year.
| Current Share Class | 10.68M |
| Shares Outstanding | 10.68M |
| Shares Change (YoY) | -4.79% |
| Shares Change (QoQ) | -3.22% |
| Owned by Insiders (%) | 16.13% |
| Owned by Institutions (%) | 58.65% |
| Float | 5.30M |
Valuation Ratios
The trailing PE ratio is 13.39 and the forward PE ratio is 11.30.
| PE Ratio | 13.39 |
| Forward PE | 11.30 |
| PS Ratio | 4.85 |
| Forward PS | 2.44 |
| PB Ratio | 3.55 |
| P/TBV Ratio | 3.43 |
| P/FCF Ratio | 4.97 |
| P/OCF Ratio | 4.96 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 25.94 |
| EV / Sales | 9.55 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 10.80 |
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% and return on invested capital (ROIC) is 5.69%.
| Return on Equity (ROE) | 28.14% |
| Return on Assets (ROA) | 5.24% |
| Return on Invested Capital (ROIC) | 5.69% |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.19% |
| Revenue Per Employee | $507,158 |
| Profits Per Employee | $186,672 |
| Employee Count | 2,431 |
| Asset Turnover | 0.14 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CACC has paid $146.50 million in taxes.
| Income Tax | 146.50M |
| Effective Tax Rate | 24.40% |
Stock Price Statistics
The stock price has decreased by -0.57% in the last 52 weeks. The beta is 1.28, so CACC's price volatility has been higher than the market average.
| Beta (5Y) | 1.28 |
| 52-Week Price Change | -0.57% |
| 50-Day Moving Average | 466.53 |
| 200-Day Moving Average | 482.74 |
| Relative Strength Index (RSI) | 61.39 |
| Average Volume (20 Days) | 203,124 |
Short Selling Information
The latest short interest is 1.34 million, so 12.52% of the outstanding shares have been sold short.
| Short Interest | 1.34M |
| Short Previous Month | 1.31M |
| Short % of Shares Out | 12.52% |
| Short % of Float | 25.24% |
| Short Ratio (days to cover) | 10.07 |
Income Statement
In the last 12 months, CACC had revenue of $1.23 billion and earned $453.80 million in profits. Earnings per share was $37.89.
| Revenue | 1.23B |
| Gross Profit | 1.16B |
| Operating Income | 601.50M |
| Pretax Income | 600.30M |
| Net Income | 453.80M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $37.89 |
Full Income StatementBalance Sheet
The company has $15.90 million in cash and $6.37 billion in debt, with a net cash position of -$6.35 billion or -$594.85 per share.
| Cash & Cash Equivalents | 15.90M |
| Total Debt | 6.37B |
| Net Cash | -6.35B |
| Net Cash Per Share | -$594.85 |
| Equity (Book Value) | 1.58B |
| Book Value Per Share | 142.97 |
| Working Capital | 7.61B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $1.09 billion and capital expenditures -$1.90 million, giving a free cash flow of $1.09 billion.
| Operating Cash Flow | 1.09B |
| Capital Expenditures | -1.90M |
| Free Cash Flow | 1.09B |
| FCF Per Share | $102.02 |
Full Cash Flow StatementMargins
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
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 | 4.79% |
| Shareholder Yield | 4.79% |
| Earnings Yield | 8.37% |
| FCF Yield | 20.11% |
Analyst Forecast
The average price target for CACC is $470.00, which is -6.17% lower than the current price. The consensus rating is "Hold".
| Price Target | $470.00 |
| Price Target Difference | -6.17% |
| Analyst Consensus | Hold |
| Analyst Count | 1 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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
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 | 6 |
