Credit Acceptance Corporation (CACC)
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 |
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 |
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 |
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 |
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% |
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 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 |