Credit Acceptance Statistics
Total Valuation
CACC has a market cap or net worth of $4.80 billion. The enterprise value is $11.11 billion.
Important Dates
The next estimated earnings date is Wednesday, April 29, 2026, after market close.
| Earnings Date | Apr 29, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
CACC has 10.75 million shares outstanding. The number of shares has decreased by -6.56% in one year.
| Current Share Class | 10.75M |
| Shares Outstanding | 10.75M |
| Shares Change (YoY) | -6.56% |
| Shares Change (QoQ) | -3.22% |
| Owned by Insiders (%) | 14.72% |
| Owned by Institutions (%) | 59.77% |
| Float | 5.41M |
Valuation Ratios
The trailing PE ratio is 12.20 and the forward PE ratio is 9.32.
| PE Ratio | 12.20 |
| Forward PE | 9.32 |
| PS Ratio | 3.86 |
| Forward PS | 2.01 |
| PB Ratio | 3.11 |
| P/TBV Ratio | 3.14 |
| P/FCF Ratio | 4.54 |
| P/OCF Ratio | 4.53 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 26.21 |
| EV / Sales | 8.97 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 10.55 |
Financial Position
The company has a current ratio of 3.28, with a Debt / Equity ratio of 4.17.
| Current Ratio | 3.28 |
| Quick Ratio | 3.10 |
| Debt / Equity | 4.17 |
| Debt / EBITDA | n/a |
| Debt / FCF | 6.04 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 25.90% and return on invested capital (ROIC) is 5.37%.
| Return on Equity (ROE) | 25.90% |
| Return on Assets (ROA) | 4.85% |
| Return on Invested Capital (ROIC) | 5.37% |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 4.90% |
| Revenue Per Employee | $535,091 |
| Profits Per Employee | $183,189 |
| Employee Count | 2,314 |
| Asset Turnover | 0.14 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CACC has paid $141.50 million in taxes.
| Income Tax | 141.50M |
| Effective Tax Rate | 25.03% |
Stock Price Statistics
The stock price has decreased by -13.30% in the last 52 weeks. The beta is 1.30, so CACC's price volatility has been higher than the market average.
| Beta (5Y) | 1.30 |
| 52-Week Price Change | -13.30% |
| 50-Day Moving Average | 476.59 |
| 200-Day Moving Average | 481.19 |
| Relative Strength Index (RSI) | 40.12 |
| Average Volume (20 Days) | 246,139 |
Short Selling Information
The latest short interest is 1.10 million, so 10.19% of the outstanding shares have been sold short.
| Short Interest | 1.10M |
| Short Previous Month | 1.18M |
| Short % of Shares Out | 10.19% |
| Short % of Float | 20.24% |
| Short Ratio (days to cover) | 4.40 |
Income Statement
In the last 12 months, CACC had revenue of $1.24 billion and earned $423.90 million in profits. Earnings per share was $36.38.
| Revenue | 1.24B |
| Gross Profit | 1.17B |
| Operating Income | 566.60M |
| Pretax Income | 565.40M |
| Net Income | 423.90M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $36.38 |
Full Income StatementBalance Sheet
The company has $22.80 million in cash and $6.36 billion in debt, with a net cash position of -$6.33 billion or -$589.26 per share.
| Cash & Cash Equivalents | 22.80M |
| Total Debt | 6.36B |
| Net Cash | -6.33B |
| Net Cash Per Share | -$589.26 |
| Equity (Book Value) | 1.52B |
| Book Value Per Share | 142.66 |
| Working Capital | 5.90B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $1.05 billion and capital expenditures -$1.60 million, giving a free cash flow of $1.05 billion.
| Operating Cash Flow | 1.05B |
| Capital Expenditures | -1.60M |
| Depreciation & Amortization | 3.60M |
| Net Borrowing | -3.90M |
| Free Cash Flow | 1.05B |
| FCF Per Share | $97.97 |
Full Cash Flow StatementMargins
Gross margin is 94.21%, with operating and profit margins of 45.76% and 34.24%.
| Gross Margin | 94.21% |
| Operating Margin | 45.76% |
| Pretax Margin | 45.66% |
| Profit Margin | 34.24% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 85.04% |
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 | 6.56% |
| Shareholder Yield | 6.56% |
| Earnings Yield | 8.87% |
| FCF Yield | 22.04% |
Analyst Forecast
The average price target for CACC is $470.00, which is 5.28% higher than the current price. The consensus rating is "Hold".
| Price Target | $470.00 |
| Price Target Difference | 5.28% |
| 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 |
