Credit Acceptance Statistics
Total Valuation
CACC has a market cap or net worth of $5.49 billion. The enterprise value is $12.01 billion.
Important Dates
The last earnings date was Tuesday, May 5, 2026, after market close.
| Earnings Date | May 5, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
CACC has 10.42 million shares outstanding. The number of shares has decreased by -8.55% in one year.
| Current Share Class | 10.42M |
| Shares Outstanding | 10.42M |
| Shares Change (YoY) | -8.55% |
| Shares Change (QoQ) | -1.35% |
| Owned by Insiders (%) | 15.11% |
| Owned by Institutions (%) | 62.12% |
| Float | 5.41M |
Valuation Ratios
The trailing PE ratio is 13.13 and the forward PE ratio is 10.70.
| PE Ratio | 13.13 |
| Forward PE | 10.70 |
| PS Ratio | 4.41 |
| Forward PS | 2.31 |
| PB Ratio | 3.72 |
| P/TBV Ratio | 3.72 |
| P/FCF Ratio | 5.35 |
| P/OCF Ratio | 5.33 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 26.49 |
| EV / Sales | 9.41 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.41 |
Financial Position
The company has a current ratio of 20.56, with a Debt / Equity ratio of 4.23.
| Current Ratio | 20.56 |
| Quick Ratio | 19.29 |
| Debt / Equity | 4.23 |
| Debt / EBITDA | n/a |
| Debt / FCF | 6.09 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 28.12% and return on invested capital (ROIC) is 5.74%.
| Return on Equity (ROE) | 28.12% |
| Return on Assets (ROA) | 5.05% |
| Return on Invested Capital (ROIC) | 5.74% |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.48% |
| Revenue Per Employee | $551,296 |
| Profits Per Employee | $195,938 |
| Employee Count | 2,314 |
| Asset Turnover | 0.14 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CACC has paid $145.30 million in taxes.
| Income Tax | 145.30M |
| Effective Tax Rate | 24.27% |
Stock Price Statistics
The stock price has increased by +8.83% in the last 52 weeks. The beta is 1.36, so CACC's price volatility has been higher than the market average.
| Beta (5Y) | 1.36 |
| 52-Week Price Change | +8.83% |
| 50-Day Moving Average | 479.61 |
| 200-Day Moving Average | 477.40 |
| Relative Strength Index (RSI) | 66.97 |
| Average Volume (20 Days) | 137,782 |
Short Selling Information
The latest short interest is 1.00 million, so 9.63% of the outstanding shares have been sold short.
| Short Interest | 1.00M |
| Short Previous Month | 1.05M |
| Short % of Shares Out | 9.63% |
| Short % of Float | 18.55% |
| Short Ratio (days to cover) | 6.47 |
Income Statement
In the last 12 months, CACC had revenue of $1.28 billion and earned $453.40 million in profits. Earnings per share was $40.05.
| Revenue | 1.28B |
| Gross Profit | 1.20B |
| Operating Income | 598.70M |
| Pretax Income | 598.70M |
| Net Income | 453.40M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $40.05 |
Full Income StatementBalance Sheet
The company has $25.70 million in cash and $6.41 billion in debt, with a net cash position of -$6.38 billion or -$612.38 per share.
| Cash & Cash Equivalents | 25.70M |
| Total Debt | 6.41B |
| Net Cash | -6.38B |
| Net Cash Per Share | -$612.38 |
| Equity (Book Value) | 1.51B |
| Book Value Per Share | 145.26 |
| Working Capital | 8.12B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $1.06 billion and capital expenditures -$2.60 million, giving a free cash flow of $1.05 billion.
| Operating Cash Flow | 1.06B |
| Capital Expenditures | -2.60M |
| Depreciation & Amortization | 3.10M |
| Net Borrowing | -310.10M |
| Free Cash Flow | 1.05B |
| FCF Per Share | $100.99 |
Full Cash Flow StatementMargins
Gross margin is 94.40%, with operating and profit margins of 46.93% and 35.54%.
| Gross Margin | 94.40% |
| Operating Margin | 46.93% |
| Pretax Margin | 46.93% |
| Profit Margin | 35.54% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 82.51% |
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 | 8.55% |
| Shareholder Yield | 8.55% |
| Earnings Yield | 8.06% |
| FCF Yield | 18.70% |
Analyst Forecast
The average price target for CACC is $520.00, which is -1.30% lower than the current price. The consensus rating is "Hold".
| Price Target | $520.00 |
| Price Target Difference | -1.30% |
| Analyst Consensus | Hold |
| Analyst Count | 2 |
| 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 |
