Credit Acceptance Corporation (CACC)

NASDAQ: CACC · IEX Real-Time Price · USD
551.55
-0.05 (-0.01%)
Mar 28, 2024, 4:00 PM EDT - Market closed

Total Valuation

CACC has a market cap or net worth of $6.79 billion. The enterprise value is $11.38 billion.

Market Cap 6.79B
Enterprise Value 11.38B

Important Dates

The next estimated earnings date is Monday, April 29, 2024, after market close.

Earnings Date Apr 29, 2024
Ex-Dividend Date n/a

Share Statistics

CACC has 12.30 million shares outstanding. The number of shares has decreased by -4.51% in one year.

Shares Outstanding 12.30M
Shares Change (YoY) -4.51%
Shares Change (QoQ) -1.56%
Owned by Insiders (%) 39.91%
Owned by Institutions (%) 66.95%
Float 6.48M

Valuation Ratios

The trailing PE ratio is 25.05 and the forward PE ratio is 14.78. CACC's PEG ratio is 1.15.

PE Ratio 25.05
Forward PE 14.78
PS Ratio 3.57
Forward PS 3.49
PB Ratio 3.87
P/FCF Ratio 5.66
PEG Ratio 1.15
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 17.23, with an EV/FCF ratio of 9.49.

EV / Earnings 39.79
EV / Sales 5.99
EV / EBITDA 17.23
EV / EBIT 17.95
EV / FCF 9.49

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity 2.89
Debt / EBITDA 7.67
Debt / FCF 4.22
Interest Coverage 2.38

Financial Efficiency

Return on equity (ROE) is 16.50% and return on invested capital (ROIC) is 7.26%.

Return on Equity (ROE) 16.50%
Return on Assets (ROA) 3.90%
Return on Capital (ROIC) 7.26%
Revenue Per Employee $852,106
Profits Per Employee $128,181
Employee Count 2,232
Asset Turnover 0.26
Inventory Turnover n/a

Taxes

In the past 12 months, CACC has paid $81.50 million in taxes.

Income Tax 81.50M
Effective Tax Rate 22.17%

Stock Price Statistics

The stock price has increased by +34.48% in the last 52 weeks. The beta is 1.46, so CACC's price volatility has been higher than the market average.

Beta (1Y) 1.46
52-Week Price Change +34.48%
50-Day Moving Average 552.09
200-Day Moving Average 500.65
Relative Strength Index (RSI) 49.30
Average Volume (30 Days) 69,029

Short Selling Information

The latest short interest is 656,080, so 5.33% of the outstanding shares have been sold short.

Short Interest 656,080
Short Previous Month 640,203
Short % of Shares Out 5.33%
Short % of Float 10.12%
Short Ratio (days to cover) 9.88

Income Statement

In the last 12 months, CACC had revenue of $1.90 billion and earned $286.10 million in profits. Earnings per share was $21.99.

Revenue 1.90B
Gross Profit 1.10B
Operating Income 635.90M
Pretax Income 367.60M
Net Income 286.10M
EBITDA 660.70M
EBIT 634.10M
Earnings Per Share (EPS) $21.99
Full Income Statement

Balance Sheet

The company has $470.90 million in cash and $5.07 billion in debt, giving a net cash position of -$4.60 billion or -$373.62 per share.

Cash & Cash Equivalents 470.90M
Total Debt 5.07B
Net Cash -4.60B
Net Cash Per Share -$373.62
Equity / Book Value 1.75B
Book Value Per Share 142.54
Working Capital n/a
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $1.20 billion and capital expenditures -$4.00 million, giving a free cash flow of $1.20 billion.

Operating Cash Flow 1.20B
Capital Expenditures -4.00M
Free Cash Flow 1.20B
FCF Per Share $92.62
Full Cash Flow Statement

Margins

Gross margin is 57.57%, with operating and profit margins of 33.43% and 15.04%.

Gross Margin 57.57%
Operating Margin 33.43%
Pretax Margin 19.33%
Profit Margin 15.04%
EBITDA Margin 34.74%
EBIT Margin 33.34%
FCF Margin 63.08%

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 4.51%
Shareholder Yield 4.51%
Earnings Yield 4.22%
FCF Yield 17.68%
Dividend Details

Analyst Forecast

The average price target for CACC is $393.50, which is -28.66% lower than the current price. The consensus rating is "Hold".

Price Target $393.50
Price Target Difference -28.66%
Analyst Consensus Hold
Analyst Count 3
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

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 5