Credit Acceptance Statistics
Total Valuation
CACC has a market cap or net worth of $5.78 billion. The enterprise value is $11.95 billion.
Important Dates
The last earnings date was Wednesday, April 30, 2025, after market close.
| Earnings Date | Apr 30, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
CACC has 11.60 million shares outstanding. The number of shares has decreased by -4.08% in one year.
| Current Share Class | 11.60M |
| Shares Outstanding | 11.60M |
| Shares Change (YoY) | -4.08% |
| Shares Change (QoQ) | -0.88% |
| Owned by Insiders (%) | 16.86% |
| Owned by Institutions (%) | 54.02% |
| Float | 5.83M |
Valuation Ratios
The trailing PE ratio is 21.26 and the forward PE ratio is 12.01.
| PE Ratio | 21.26 |
| Forward PE | 12.01 |
| PS Ratio | 6.13 |
| Forward PS | 2.54 |
| PB Ratio | 3.42 |
| P/TBV Ratio | 3.38 |
| P/FCF Ratio | 4.93 |
| P/OCF Ratio | 4.92 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 41.24 |
| EV / Sales | 12.04 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 10.20 |
Financial Position
The company has a current ratio of 5.65, with a Debt / Equity ratio of 3.92.
| Current Ratio | 5.65 |
| Quick Ratio | 5.28 |
| Debt / Equity | 3.92 |
| Debt / EBITDA | n/a |
| Debt / FCF | 5.72 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 17.24%.
| Return on Equity (ROE) | 17.24% |
| Return on Assets (ROA) | 3.34% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $408,556 |
| Profits Per Employee | $119,251 |
| Employee Count | 2,431 |
| Asset Turnover | 0.11 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CACC has paid $94.90 million in taxes.
| Income Tax | 94.90M |
| Effective Tax Rate | 24.66% |
Stock Price Statistics
The stock price has decreased by -3.29% in the last 52 weeks. The beta is 1.23, so CACC's price volatility has been higher than the market average.
| Beta (5Y) | 1.23 |
| 52-Week Price Change | -3.29% |
| 50-Day Moving Average | 488.34 |
| 200-Day Moving Average | 476.80 |
| Relative Strength Index (RSI) | 54.26 |
| Average Volume (20 Days) | 105,776 |
Short Selling Information
The latest short interest is 597,812, so 5.15% of the outstanding shares have been sold short.
| Short Interest | 597,812 |
| Short Previous Month | 565,478 |
| Short % of Shares Out | 5.15% |
| Short % of Float | 10.25% |
| Short Ratio (days to cover) | 5.68 |
Income Statement
In the last 12 months, CACC had revenue of $993.20 million and earned $289.90 million in profits. Earnings per share was $23.43.
| Revenue | 993.20M |
| Gross Profit | 920.60M |
| Operating Income | 409.70M |
| Pretax Income | 244.00M |
| Net Income | 289.90M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $23.43 |
Full Income StatementBalance Sheet
The company has $528.80 million in cash and $6.71 billion in debt, giving a net cash position of -$6.18 billion or -$532.29 per share.
| Cash & Cash Equivalents | 528.80M |
| Total Debt | 6.71B |
| Net Cash | -6.18B |
| Net Cash Per Share | -$532.29 |
| Equity (Book Value) | 1.71B |
| Book Value Per Share | 145.64 |
| Working Capital | 7.49B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $1.17 billion and capital expenditures -$1.80 million, giving a free cash flow of $1.17 billion.
| Operating Cash Flow | 1.17B |
| Capital Expenditures | -1.80M |
| Free Cash Flow | 1.17B |
| FCF Per Share | $101.03 |
Full Cash Flow StatementMargins
Gross margin is 92.69%, with operating and profit margins of 41.25% and 29.19%.
| Gross Margin | 92.69% |
| Operating Margin | 41.25% |
| Pretax Margin | 38.74% |
| Profit Margin | 29.19% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 118.03% |