Credit Acceptance Statistics
Total Valuation
CACC has a market cap or net worth of $5.92 billion. The enterprise value is $12.21 billion.
| Market Cap | 5.92B |
| Enterprise Value | 12.21B |
Important Dates
The last earnings date was Tuesday, August 4, 2026, after market close.
| Earnings Date | Aug 4, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
CACC has 10.38 million shares outstanding. The number of shares has decreased by -9.42% in one year.
| Current Share Class | 10.38M |
| Shares Outstanding | 10.38M |
| Shares Change (YoY) | -9.42% |
| Shares Change (QoQ) | -2.00% |
| Owned by Insiders (%) | 15.80% |
| Owned by Institutions (%) | 59.84% |
| Float | 5.12M |
Valuation Ratios
The trailing PE ratio is 12.58 and the forward PE ratio is 11.08.
| PE Ratio | 12.58 |
| Forward PE | 11.08 |
| PS Ratio | 4.54 |
| Forward PS | 2.43 |
| PB Ratio | 3.73 |
| P/TBV Ratio | 3.73 |
| P/FCF Ratio | 4.85 |
| P/OCF Ratio | 4.83 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 24.32 |
| EV / Sales | 9.37 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 10.00 |
Financial Position
The company has a current ratio of 4.83, with a Debt / Equity ratio of 3.96.
| Current Ratio | 4.83 |
| Quick Ratio | 4.55 |
| Debt / Equity | 3.96 |
| Debt / EBITDA | n/a |
| Debt / FCF | 5.15 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 31.93% and return on invested capital (ROIC) is 6.35%.
| Return on Equity (ROE) | 31.93% |
| Return on Assets (ROA) | 5.79% |
| Return on Invested Capital (ROIC) | 6.35% |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.65% |
| Revenue Per Employee | $563,267 |
| Profits Per Employee | $216,897 |
| Employee Count | 2,314 |
| Asset Turnover | 0.15 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CACC has paid $147.60 million in taxes.
| Income Tax | 147.60M |
| Effective Tax Rate | 22.73% |
Stock Price Statistics
The stock price has increased by +20.18% in the last 52 weeks. The beta is 1.35, so CACC's price volatility has been higher than the market average.
| Beta (5Y) | 1.35 |
| 52-Week Price Change | +20.18% |
| 50-Day Moving Average | 595.48 |
| 200-Day Moving Average | 508.51 |
| Relative Strength Index (RSI) | 43.03 |
| Average Volume (20 Days) | 122,859 |
Short Selling Information
The latest short interest is 1.04 million, so 10.04% of the outstanding shares have been sold short.
| Short Interest | 1.04M |
| Short Previous Month | 1.21M |
| Short % of Shares Out | 10.04% |
| Short % of Float | 20.34% |
| Short Ratio (days to cover) | 7.49 |
Income Statement
In the last 12 months, CACC had revenue of $1.30 billion and earned $501.90 million in profits. Earnings per share was $45.36.
| Revenue | 1.30B |
| Gross Profit | 1.23B |
| Operating Income | 649.50M |
| Pretax Income | 649.50M |
| Net Income | 501.90M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $45.36 |
Balance Sheet
The company has $1.40 million in cash and $6.29 billion in debt, with a net cash position of -$6.28 billion or -$605.44 per share.
| Cash & Cash Equivalents | 1.40M |
| Total Debt | 6.29B |
| Net Cash | -6.28B |
| Net Cash Per Share | -$605.44 |
| Equity (Book Value) | 1.59B |
| Book Value Per Share | 153.13 |
| Working Capital | 6.71B |
Cash Flow
In the last 12 months, operating cash flow was $1.23 billion and capital expenditures -$3.90 million, giving a free cash flow of $1.22 billion.
| Operating Cash Flow | 1.23B |
| Capital Expenditures | -3.90M |
| Depreciation & Amortization | 2.90M |
| Net Borrowing | -193.60M |
| Free Cash Flow | 1.22B |
| FCF Per Share | $117.63 |
Margins
Gross margin is 94.65%, with operating and profit margins of 49.83% and 38.51%.
| Gross Margin | 94.65% |
| Operating Margin | 49.83% |
| Pretax Margin | 49.83% |
| Profit Margin | 38.51% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 93.69% |
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 | 9.42% |
| Shareholder Yield | 9.42% |
| Earnings Yield | 8.47% |
| FCF Yield | 20.62% |
Analyst Forecast
The average price target for CACC is $636.67, which is 11.59% higher than the current price. The consensus rating is "Hold".
| Price Target | $636.67 |
| Price Target Difference | 11.59% |
| Analyst Consensus | Hold |
| Analyst Count | 3 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | n/a |
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 |
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 |