Credit Acceptance Corporation

CACC | NASDAQ

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$580.52

+$2.23 (+0.39%)

Sep 21, 2026, 11:06 AM ET · Market open

Overview Rating Statistics Financials Earnings Analysts Ownership Profile

Market Data

Market Cap $6.05B

Enterprise Value $12.33B

Beta 1.35

Average Volume 151.02K

Shares Outstanding (Diluted) 10.73M

Shares Change YoY -8.81%

Institutional Ownership 63.42%

Exchange NASDAQ

ISIN US2253101016

Price Performance

Price Change 1M 0.2%

Price Change 3M 0.1%

Price Change 6M 32.0%

Price Change YTD 27.4%

Price Change 1Y 14.7%

Price Change 3Y 23.0%

Price Change 5Y -2.4%

1M CAGR (ann.) -0.5%

1Y CAGR (ann.) 14.7%

5Y CAGR (ann.) -0.8%

All-Time CAGR 15.6%

Valuation

PE Ratio 12.72

Forward PE 10.30

PEG Ratio 0.39

Forward PEG 0.69

PS Ratio 2.60

Forward PS 2.60

PB Ratio 3.81

P/FCF Ratio 4.95

P/Adj. FCF Ratio 5.14

P/OCF Ratio 4.95

EV/Sales 5.31

EV/EBIT 14.25

EV/EBITDA 13.75

EV/FCF 10.10

Earnings Yield 7.9%

FCF Yield 20.2%

Adj. FCF Yield 19.4%

Financial Health

Net Debt $6.28B

Total Debt $6.29B

Cash & Short-Term Investments $1.4M

Total Assets $8.62B

Current Ratio 21.22

Quick Ratio 21.22

Debt / Equity Ratio 3.96

Debt / EBITDA 7.01

Debt / FCF 5.15

OCF / Debt 0.19

Interest Coverage 3.06

Altman Z-Score 2.41

Piotroski F-Score 9

Margins & Profitability

Gross Profit Margin 89.7%

Operating Profit Margin 51.0%

EBITDA Margin 43.0%

Net Profit Margin 21.6%

FCF Margin 52.5%

Adj. FCF Margin 50.6%

SBC / Revenue 1.9%

SBC Impact (per share) -3.7%

Returns

Return on Assets 5.8%

Return on Equity 32.4%

Return on Invested Capital 9.5%

Return on Capital Employed 12.3%

Return on Tangible Assets 5.8%

Historical Growth (CAGR)

Revenue CAGR 3Y 8.2%

Revenue CAGR 5Y 5.3%

Revenue CAGR 10Y 10.1%

EPS CAGR 3Y 21.5%

EPS CAGR 5Y -2.6%

EPS CAGR 10Y 11.6%

FCF CAGR 3Y 0.9%

FCF CAGR 5Y 1.4%

FCF CAGR 10Y 10.8%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 18

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $393.87

Graham Upside -31.9%

Lynch Fair Value $227.40

Lynch Upside -60.7%

Price Target $540

Price Target Upside -6.6%

Cash Flow

Operating Cash Flow $1.23B

Free Cash Flow $1.22B

Adj. Free Cash Flow $1.18B

FCF Per Share $116.51

OCF Per Share $116.88

OCF/S Ratio 52.7%

Income Statement

Revenue $2.32B

Gross Profit $2.09B

Operating Income $1.19B

EBITDA $897M

Net Income $501.9M

EPS (Diluted) $45.48

Revenue / Employee $1M

Profit / Employee $216.9K

Employees 2,314