Credit Acceptance Statistics
Total Valuation
CACC has a market cap or net worth of $5.59 billion. The enterprise value is $11.68 billion.
Important Dates
The next estimated earnings date is Wednesday, January 29, 2025, after market close.
| Earnings Date | Jan 29, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
CACC has 12.11 million shares outstanding. The number of shares has decreased by -4.14% in one year.
| Current Share Class | 12.11M |
| Shares Outstanding | 12.11M |
| Shares Change (YoY) | -4.14% |
| Shares Change (QoQ) | +1.08% |
| Owned by Insiders (%) | 14.34% |
| Owned by Institutions (%) | 53.92% |
| Float | 6.27M |
Valuation Ratios
The trailing PE ratio is 30.61 and the forward PE ratio is 13.24.
| PE Ratio | 30.61 |
| Forward PE | 13.24 |
| PS Ratio | 6.79 |
| Forward PS | 2.35 |
| PB Ratio | 3.39 |
| P/TBV Ratio | 3.39 |
| P/FCF Ratio | 4.90 |
| P/OCF Ratio | 4.89 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 61.58 |
| EV / Sales | 13.80 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 10.24 |
Financial Position
The company has a current ratio of 14.88, with a Debt / Equity ratio of 3.80.
| Current Ratio | 14.88 |
| Quick Ratio | 13.91 |
| Debt / Equity | 3.80 |
| Debt / EBITDA | n/a |
| Debt / FCF | 5.48 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.33%.
| Return on Equity (ROE) | 11.33% |
| Return on Assets (ROA) | 2.36% |
| Return on Capital (ROIC) | n/a |
| Revenue Per Employee | $379,077 |
| Profits Per Employee | $84,946 |
| Employee Count | 2,232 |
| Asset Turnover | 0.11 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CACC has paid $64.40 million in taxes.
| Income Tax | 64.40M |
| Effective Tax Rate | 25.35% |
Stock Price Statistics
The stock price has decreased by -10.63% in the last 52 weeks. The beta is 1.46, so CACC's price volatility has been higher than the market average.
| Beta (5Y) | 1.46 |
| 52-Week Price Change | -10.63% |
| 50-Day Moving Average | 466.54 |
| 200-Day Moving Average | 493.56 |
| Relative Strength Index (RSI) | 42.76 |
| Average Volume (20 Days) | 68,049 |
Short Selling Information
The latest short interest is 453,907, so 3.75% of the outstanding shares have been sold short.
| Short Interest | 453,907 |
| Short Previous Month | 454,100 |
| Short % of Shares Out | 3.75% |
| Short % of Float | 7.23% |
| Short Ratio (days to cover) | 5.11 |
Income Statement
In the last 12 months, CACC had revenue of $846.10 million and earned $189.60 million in profits. Earnings per share was $15.07.
| Revenue | 846.10M |
| Gross Profit | 773.70M |
| Operating Income | 279.50M |
| Pretax Income | 244.00M |
| Net Income | 189.60M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $15.07 |
Full Income StatementBalance Sheet
The company has $159.70 million in cash and $6.25 billion in debt, giving a net cash position of -$6.09 billion or -$502.74 per share.
| Cash & Cash Equivalents | 159.70M |
| Total Debt | 6.25B |
| Net Cash | -6.09B |
| Net Cash Per Share | -$502.74 |
| Equity (Book Value) | 1.65B |
| Book Value Per Share | 135.94 |
| Working Capital | 7.95B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $1.14 billion and capital expenditures -$2.80 million, giving a free cash flow of $1.14 billion.
| Operating Cash Flow | 1.14B |
| Capital Expenditures | -2.80M |
| Free Cash Flow | 1.14B |
| FCF Per Share | $94.13 |
Full Cash Flow StatementMargins
Gross margin is 91.44%, with operating and profit margins of 33.03% and 22.41%.
| Gross Margin | 91.44% |
| Operating Margin | 33.03% |
| Pretax Margin | 30.02% |
| Profit Margin | 22.41% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 134.75% |