Credit Acceptance Statistics
Total Valuation
CACC has a market cap or net worth of $5.37 billion. The enterprise value is $12.09 billion.
| Market Cap | 5.37B |
| Enterprise Value | 12.09B |
Important Dates
The last earnings date was Thursday, October 29, 2026, after market close.
| Earnings Date | Oct 29, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
CACC has 10.14 million shares outstanding. The number of shares has decreased by -9.22% in one year.
| Current Share Class | 10.14M |
| Shares Outstanding | 10.14M |
| Shares Change (YoY) | -9.22% |
| Shares Change (QoQ) | -2.96% |
| Owned by Insiders (%) | 16.17% |
| Owned by Institutions (%) | 62.71% |
| Float | 4.88M |
Valuation Ratios
The trailing PE ratio is 17.08 and the forward PE ratio is 9.83.
| PE Ratio | 17.08 |
| Forward PE | 9.83 |
| PS Ratio | 5.04 |
| Forward PS | 2.16 |
| PB Ratio | 3.86 |
| P/TBV Ratio | 3.86 |
| P/FCF Ratio | 4.27 |
| P/OCF Ratio | 4.26 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 35.87 |
| EV / Sales | 11.34 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 9.62 |
Financial Position
The company has a current ratio of 9.64, with a Debt / Equity ratio of 4.84.
| Current Ratio | 9.64 |
| Quick Ratio | 9.06 |
| Debt / Equity | 4.84 |
| Debt / EBITDA | n/a |
| Debt / FCF | 5.35 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 22.72% and return on invested capital (ROIC) is 4.22%.
| Return on Equity (ROE) | 22.72% |
| Return on Assets (ROA) | 3.85% |
| Return on Invested Capital (ROIC) | 4.22% |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.45% |
| Revenue Per Employee | $460,588 |
| Profits Per Employee | $145,678 |
| Employee Count | 2,314 |
| Asset Turnover | 0.12 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CACC has paid $90.00 million in taxes.
| Income Tax | 90.00M |
| Effective Tax Rate | 21.07% |
Stock Price Statistics
The stock price has increased by +17.32% 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 | +17.32% |
| 50-Day Moving Average | 554.58 |
| 200-Day Moving Average | 539.01 |
| Relative Strength Index (RSI) | 49.31 |
| Average Volume (20 Days) | 123,073 |
Short Selling Information
The latest short interest is 1.01 million, so 9.97% of the outstanding shares have been sold short.
| Short Interest | 1.01M |
| Short Previous Month | 961,716 |
| Short % of Shares Out | 9.97% |
| Short % of Float | 20.70% |
| Short Ratio (days to cover) | 8.49 |
Income Statement
In the last 12 months, CACC had revenue of $1.07 billion and earned $337.10 million in profits. Earnings per share was $31.01.
| Revenue | 1.07B |
| Gross Profit | 997.10M |
| Operating Income | 427.10M |
| Pretax Income | 427.10M |
| Net Income | 337.10M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $31.01 |
Balance Sheet
The company has $1.30 million in cash and $6.72 billion in debt, with a net cash position of -$6.72 billion or -$663.12 per share.
| Cash & Cash Equivalents | 1.30M |
| Total Debt | 6.72B |
| Net Cash | -6.72B |
| Net Cash Per Share | -$663.12 |
| Equity (Book Value) | 1.39B |
| Book Value Per Share | 137.05 |
| Working Capital | 7.80B |
Cash Flow
In the last 12 months, operating cash flow was $1.26 billion and capital expenditures -$4.70 million, giving a free cash flow of $1.26 billion.
| Operating Cash Flow | 1.26B |
| Capital Expenditures | -4.70M |
| Depreciation & Amortization | 2.60M |
| Net Borrowing | 350.20M |
| Free Cash Flow | 1.26B |
| FCF Per Share | $123.94 |
Margins
Gross margin is 93.55%, with operating and profit margins of 40.07% and 31.63%.
| Gross Margin | 93.55% |
| Operating Margin | 40.07% |
| Pretax Margin | 40.07% |
| Profit Margin | 31.63% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 117.88% |
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 |
| FCF Payout Ratio | n/a |
| Buyback Yield | 9.22% |
| Shareholder Yield | 9.22% |
| Earnings Yield | 5.86% |
| FCF Yield | 23.40% |
Analyst Forecast
The average price target for CACC is $556.67, which is 5.12% higher than the current price. The consensus rating is "Hold".
| Price Target | $556.67 |
| Price Target Difference | 5.12% |
| Analyst Consensus | Hold |
| Analyst Count | 3 |
| Revenue Growth Forecast (3Y) | 30.80% |
| EPS Growth Forecast (3Y) | 16.40% |
Fair 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 | |
| Graham Formula Value | |
| Graham Formula 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 | 4 |