(CACC) Credit Acceptance - Ratings and Ratios
Car Loans, Dealer Financing, Loan Servicing, Vehicle Insurance
CACC EPS (Earnings per Share)
CACC Revenue
Description: CACC Credit Acceptance
Credit Acceptance Corporation is a consumer finance company that provides financing programs and related services to independent and franchised automobile dealers in the United States. The companys business model involves advancing money to dealers in exchange for servicing rights on underlying consumer loans, as well as purchasing these loans directly from dealers.
Key aspects of their business include managing the risk associated with these subprime consumer loans, reinsurance coverage for vehicle service contracts, and maintaining a strong relationship with a diverse network of automobile dealers. To evaluate the companys performance, we can look at key performance indicators (KPIs) such as loan portfolio growth, delinquency rates, and the average advance rate to dealers.
From a financial perspective, Credit Acceptance Corporations revenue is primarily driven by finance charges on the consumer loans they service or own. Their profitability is influenced by factors such as the yield on their loan portfolio, the cost of capital, and operating expenses, including provisions for loan losses. Key metrics to monitor include the companys net interest margin, return on equity (RoE), and the efficiency ratio.
Given the companys business model and industry, other relevant KPIs include the ratio of debt to equity, the allowance for loan losses as a percentage of total loans, and the percentage of loans that are 60+ days delinquent. These metrics provide insights into Credit Acceptance Corporations risk management practices, capital structure, and overall financial health.
CACC Stock Overview
| Market Cap in USD | 5,757m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 1992-06-05 |
CACC Stock Ratings
| Growth Rating | 33.5% |
| Fundamental | 63.3% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | -6.83% |
| Analyst Rating | 2.50 of 5 |
CACC Dividends
Currently no dividends paidCACC Growth Ratios
| Growth Correlation 3m | -13.1% |
| Growth Correlation 12m | 58.8% |
| Growth Correlation 5y | 21.4% |
| CAGR 5y | 5.91% |
| CAGR/Max DD 5y | 0.13 |
| Sharpe Ratio 12m | 0.65 |
| Alpha | -11.46 |
| Beta | 1.245 |
| Volatility | 40.04% |
| Current Volume | 74.4k |
| Average Volume 20d | 102.8k |
| Stop Loss | 499.2 (-3%) |
| Signal | 0.81 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (424.4m TTM) > 0 and > 6% of Revenue (6% = 134.4m TTM) |
| FCFTA 0.13 (>2.0%) and ΔFCFTA -1.06pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 366.9% (prev 390.2%; Δ -23.29pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.13 (>3.0%) and CFO 1.11b > Net Income 424.4m (YES >=105%, WARN >=100%) |
| Net Debt (5.91b) to EBITDA (554.7m) ratio: 10.65 <= 3.0 (WARN <= 3.5) |
| Current Ratio 19.00 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (11.8m) change vs 12m ago -4.16% (target <= -2.0% for YES) |
| Gross Margin 61.83% (prev 64.65%; Δ -2.82pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 26.37% (prev 24.12%; Δ 2.25pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| error: Interest Coverage Ratio cannot be calculated (needs EBITDA TTM and Interest Expense TTM) |
Altman Z'' 7.21
| (A) 0.94 = (Total Current Assets 8.67b - Total Current Liabilities 456.4m) / Total Assets 8.72b |
| (B) 0.14 = Retained Earnings (Balance) 1.18b / Total Assets 8.72b |
| (C) 0.06 = EBIT TTM 527.2m / Avg Total Assets 8.49b |
| (D) 0.17 = Book Value of Equity 1.19b / Total Liabilities 7.17b |
| Total Rating: 7.21 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 63.33
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 9.45% = 4.73 |
| 3. FCF Margin 49.49% = 7.50 |
| 4. Debt/Equity 4.20 = -2.19 |
| 5. Debt/Ebitda 11.78 = -2.50 |
| 6. ROIC - WACC -0.56% = -0.70 |
| 7. RoE 25.48% = 2.12 |
| 8. Rev. Trend 97.31% = 4.87 |
| 9. Rev. CAGR 8.68% = 1.09 |
| 10. EPS Trend -3.19% = -0.08 |
| 11. EPS CAGR 4.99% = 0.50 |
What is the price of CACC shares?
Over the past week, the price has changed by +1.63%, over one month by -0.22%, over three months by +6.56% and over the past year by +8.98%.
Is Credit Acceptance a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CACC is around 484.42 USD . This means that CACC is currently overvalued and has a potential downside of -5.89%.
Is CACC a buy, sell or hold?
- Strong Buy: 0
- Buy: 0
- Hold: 3
- Sell: 0
- Strong Sell: 1
What are the forecasts/targets for the CACC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 467.5 | -9.2% |
| Analysts Target Price | 467.5 | -9.2% |
| ValueRay Target Price | 525.4 | 2.1% |
Last update: 2025-08-27 04:33
CACC Fundamental Data Overview
CCE Cash And Equivalents = 572.3m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 14.6213
P/E Forward = 10.3413
P/S = 4.9074
P/B = 3.661
P/EG = 1.154
Beta = 1.134
Revenue TTM = 2.24b USD
EBIT TTM = 527.2m USD
EBITDA TTM = 554.7m USD
Long Term Debt = 6.47b USD (from longTermDebt, last quarter)
Short Term Debt = 63.8m USD (from shortTermDebt, last quarter)
Debt = 6.54b USD (Calculated: Short Term 63.8m + Long Term 6.47b)
Net Debt = 5.91b USD (from netDebt column, last quarter)
Enterprise Value = 11.72b USD (5.76b + Debt 6.54b - CCE 572.3m)
Interest Coverage Ratio = unknown (Ebit TTM 527.2m / Interest Expense TTM 0.0)
FCF Yield = 9.45% (FCF TTM 1.11b / Enterprise Value 11.72b)
FCF Margin = 49.49% (FCF TTM 1.11b / Revenue TTM 2.24b)
Net Margin = 18.95% (Net Income TTM 424.4m / Revenue TTM 2.24b)
Gross Margin = 61.83% ((Revenue TTM 2.24b - Cost of Revenue TTM 854.6m) / Revenue TTM)
Tobins Q-Ratio = 9.89 (Enterprise Value 11.72b / Book Value Of Equity 1.19b)
Interest Expense / Debt = 1.21% (Interest Expense 78.8m / Debt 6.54b)
Taxrate = 24.76% (from yearly Income Tax Expense: 81.6m / 329.5m)
NOPAT = 396.6m (EBIT 527.2m * (1 - 24.76%))
Current Ratio = 19.00 (Total Current Assets 8.67b / Total Current Liabilities 456.4m)
Debt / Equity = 4.20 (Debt 6.54b / last Quarter total Stockholder Equity 1.55b)
Debt / EBITDA = 11.78 (Net Debt 5.91b / EBITDA 554.7m)
Debt / FCF = 5.90 (Debt 6.54b / FCF TTM 1.11b)
Total Stockholder Equity = 1.67b (last 4 quarters mean)
RoA = 4.86% (Net Income 424.4m, Total Assets 8.72b )
RoE = 25.48% (Net Income TTM 424.4m / Total Stockholder Equity 1.67b)
RoCE = 6.48% (Ebit 527.2m / (Equity 1.67b + L.T.Debt 6.47b))
RoIC = 4.89% (NOPAT 396.6m / Invested Capital 8.11b)
WACC = 5.45% (E(5.76b)/V(12.29b) * Re(10.60%)) + (D(6.54b)/V(12.29b) * Rd(1.21%) * (1-Tc(0.25)))
Shares Correlation 5-Years: -100.0 | Cagr: -5.73%
Discount Rate = 10.60% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 69.16% ; FCFE base≈1.12b ; Y1≈1.10b ; Y5≈1.13b
Fair Price DCF = 1186 (DCF Value 13.33b / Shares Outstanding 11.2m; 5y FCF grow -2.69% → 3.0% )
Revenue Correlation: 97.31 | Revenue CAGR: 8.68%
Rev Growth-of-Growth: 3.29
EPS Correlation: -3.19 | EPS CAGR: 4.99%
EPS Growth-of-Growth: 114.7
Additional Sources for CACC Stock
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Fund Manager Positions: Dataroma | Stockcircle