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Credit Acceptance Corporation (CACC)

Profile

Full Name

Credit Acceptance Corporation

Ticker

NASDAQ: CACC

Exchange

NASDAQ

Sector

Financial Services

Industry

Credit Services

Country

United States

IPO

June 5, 1992

Indexes

Not included

Website

http://www.creditacceptance.com

Employees

2431

Key Details

Price

$515.24(-2.87%)

Market cap

$5.98B(Mid cap)

Last Dividend

-

TTM Dividend yield

-

Annual revenue

$2.13B(+13.54% YoY)

Annual EPS

$19.88(-9.60% YoY)

PE ratio

21.98

Next earnings date

Jul 31, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $515.24
    CACC price is $515.24

    30-Day Relative Volume

    0.91
    CACC 30-day relative volume is 0.91

    Price Performance

    Price Most recent change

    -2.87%
    CACC price was down -2.87% on Jul 11, 2025

    Price YTD change

    +9.75%
    CACC price is up +9.75% since January 1st

    Price 1-year change

    -8.04%
    CACC price is down -8.04% year-on-year

    Price 3-year change

    +3.21%
    CACC price is up +3.21% over the past 3 years

    Price Range

    Price All-time high

    $703.27
    CACC price is currently -26.74% below its historical high of $703.27

    Price 3-year low

    $358.00
    CACC price is currently +43.92% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $5.98B
    CACC market capitalization is $5.98 billion

    Market cap 3-year change

    -7.7%
    CACC market capitalization is down -7.7% over the past 3 years

    Market cap All-time high

    $10.51B
    CACC market capitalization is currently -43.09% below its historical high of $10.51 billion

    Market cap sector rank

    80.45%
    CACC market capitalization is higher than 80.45% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    -4.19%
    CACC shares outstanding is down -4.19% year-on-year

    Shares Outstanding 3-Year Change

    -10.57%
    CACC shares outstanding is down -10.57% over the past 3 years

    Technical Indicators

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    Beta

    1.01
    CACC beta is 1.01

    200-day SMA

    $483.56
    CACC price is currently +6.55% above its 200-day simple moving average

    50-day SMA

    $500.11
    CACC price is currently +3.02% above its 50-day simple moving average

    RSI

    51.63
    CACC 14-day relative strength index is 51.63

    Volume

    0.91
    CACC 30-day relative volume is 0.91

    ATR

    $15.82
    CACC average true range is $15.82

    10-day Historical Volatility

    35.53%
    CACC 10-day historical volatility is 35.53%

    Dividend

    Income Statement

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    Revenue

    Revenue

    $2.13B
    CACC annual revenue is $2.13 billion

    Revenue Analysts estimate

    $2.34B
    CACC annual revenue is currently -8.86% lower than the consensus analysts' forecast

    Revenue 1-year change

    +13.54%
    CACC annual revenue is up +13.54% year-on-year

    Revenue Sector rank

    83.63%
    CACC annual revenue is higher than 83.63% of companies in Financial Services sector

    EPS

    EPS

    $19.88
    CACC annual earnings per share is $19.88

    EPS Analysts estimate

    $39.62
    CACC annual earnings per share is currently -49.82% lower than the consensus analysts' forecast

    EPS 1-year change

    -9.6%
    CACC annual earnings per share is down -9.6% year-on-year

    EPS Sector rank

    98.43%
    CACC annual earnings per share is higher than 98.43% of companies in Financial Services sector

    Profit

    Gross profit

    $1.33B
    CACC annual gross profit is $1.33 billion

    Gross margin

    62.41%
    CACC annual gross profit margin is 62.41%

    Operating profit

    $279.60M
    CACC annual operating income is $279.60 million

    Operating margin

    15.23%
    CACC annual operating profit margin is 15.23%

    Net income

    $247.90M
    CACC annual net profit is $247.90 million

    Net margin

    11.87%
    CACC annual net profit margin is 11.87%

    Expenses

    Total expenses

    $1.81B
    CACC annual total expenses is $1.81 billion

    Operating expenses

    $1.01B
    CACC annual total operating expenses is $1.01 billion

    Cost of goods sold

    $802.20M
    CACC annual cost of goods sold is $802.20 million

    Selling, general & administrative expenses

    $192.30M
    CACC annual SGA is $192.30 million

    Depreciation and amortization

    $27.80M
    CACC annual depreciation & amortization is $27.80 million

    Interest expense

    -
    CACC annual interest expense value is unknown

    Income tax

    $81.60M
    CACC annual income tax is $81.60 million

    EBIT & EBITDA

    EBIT

    $279.60M
    CACC annual earnings before interest & taxes is $279.60 million

    EBITDA

    $279.60M
    CACC annual EBITDA is $279.60 million

    Balance Sheet

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    Assets

    Total assets

    $8.85B
    CACC annual total assets is $8.85 billion

    Non current assets

    $48.70M
    CACC annual long term assets is $48.70 million

    Current assets

    $8.81B
    CACC annual total current assets is $8.81 billion

    Cash and cash equivalents

    $343.70M
    CACC annual cash & cash equivalents is $343.70 million

    Accounts receivable

    -
    CACC annual accounts receivable value is unknown

    Inventory

    -
    CACC annual inventory value is unknown

    Liabilities

    Total liabilities

    $7.11B
    CACC annual total liabilities is $7.11 billion

    Long term liabilities

    $6.67B
    CACC annual total long term liabilities is $6.67 billion

    Current liabilities

    $433.00M
    CACC annual total current liabilities is $433.00 million

    Accounts payable

    $315.80M
    CACC annual accounts payable is $315.80 million

    Debt

    Total debt

    $6.35B
    CACC annual total debt is $6.35 billion

    Total debt 1-year change

    +25.37%
    CACC annual total debt is up +25.37% year-on-year

    Long term debt

    $6.35B
    CACC annual long term debt is $6.35 billion

    Short term debt

    -
    CACC annual short term debt value is unknown

    Equity & Capital

    Shareholders equity

    $1.75B
    CACC annual stockholders equity is $1.75 billion

    Book value

    $1.75B
    CACC annual book value is $1.75 billion

    Retained earnings

    $1.41B
    CACC annual retained earnings is $1.41 billion

    Working capital

    $8.28B
    CACC annual working capital is $8.28 billion

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $1.14B
    CACC annual cash flow from operations is $1.14 billion

    Cash from operations 1-year change

    -5.47%
    CACC annual cash flow from operations is down -5.47% year-on-year

    Cash from investing

    -$1.72B
    CACC annual cash flow from investing activities is -$1.72 billion

    Cash from investing 1-year change

    -21.48%
    CACC annual cash flow from investing activities is down -21.48% year-on-year

    Cash from financing

    $957.30M
    CACC annual cash flow from financing activities is $957.30 million

    Cash from financing 1-year change

    +259.62%
    CACC annual cash flow from financing activities is up +259.62% year-on-year

    CAPEX

    CAPEX

    $1.80M
    CACC annual capital expenditures is $1.80 million

    CAPEX 1-year change

    -55%
    CACC annual capital expenditures is down -55% year-on-year

    Free Cash Flow

    Free cash flow

    $1.14B
    CACC annual free cash flow is $1.14 billion

    Free cash flow 1-year change

    -5.31%
    CACC annual free cash flow is down -5.31% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    62.41%
    CACC annual gross profit margin is 62.41%

    Operating margin

    15.23%
    CACC annual operating profit margin is 15.23%

    Net margin

    11.87%
    CACC annual net profit margin is 11.87%

    ROA & ROE

    ROA

    3.01%
    CACC annual return on assets is 3.01%

    ROE

    14.15%
    CACC annual return on equity is 14.15%

    Valuation

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    PE Ratio

    PE ratio

    21.98
    CACC price to earnings ratio is 21.98

    PE ratio Sector rank

    66.62%
    CACC price to earnings ratio is higher than 66.62% of companies in Financial Services sector

    PB Ratio

    PB ratio

    3.49
    CACC price to book ratio is 3.49

    PB ratio Sector rank

    86.12%
    CACC price to book ratio is higher than 86.12% of companies in Financial Services sector

    PS Ratio

    PS ratio

    2.72
    CACC price to sales ratio is 2.72

    PS ratio Sector rank

    38.96%
    CACC price to sales ratio is higher than 38.96% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $12.15B
    CACC enterprise value is $12.15 billion

    Enterprise value Sector rank

    85.04%
    CACC enterprise value is higher than 85.04% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    29.89
    CACC EV/EBITDA is 29.89

    EV/EBITDA Sector rank

    96.32%
    CACC EV/EBITDA is higher than 96.32% of companies in Financial Services sector

    Financial Health

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    Liquidity

    Current ratio

    20.11
    CACC annual current ratio is 20.11

    Quick ratio

    -
    CACC annual quick ratio value is unknown

    Leverage

    Debt to equity

    3.63
    CACC annual debt to equity ratio is 3.63

    Interest coverage ratio

    -
    CACC annual interest coverage ratio value is unknown

    Risk & Stability

    Piotroski F-Score

    5
    CACC piotroski f-score is 5

    Altman Z-Score

    2.20
    CACC altman z-score is 2.20

    Analyst ratings

    Recent major analysts updates

    Jan 31, 25 TD Cowen
    Sell
    Jan 31, 25 Stephens & Co.
    Equal-Weight
    Jan 8, 25 TD Cowen
    Sell
    Nov 13, 24 Stephens & Co.
    Equal-Weight
    Nov 1, 24 TD Cowen
    Sell
    Aug 1, 24 TD Cowen
    Sell
    May 2, 24 TD Cowen
    Sell
    Nov 1, 23 TD Cowen
    Underperform
    Oct 31, 23 Stephens & Co.
    Equal-Weight
    Oct 31, 23 BMO Capital
    Market Perform

    Institutional Ownership

    Screeners with CACC included

    Mid cap stocks
    US stocks
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    NASDAQ Dividend Calendar
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    Companies with buyback
    • What is the ticker symbol for Credit Acceptance Corporation?
    • Does Credit Acceptance Corporation pay dividends?
    • What sector is Credit Acceptance Corporation in?
    • What industry is Credit Acceptance Corporation in?
    • What country is Credit Acceptance Corporation based in?
    • When did Credit Acceptance Corporation go public?
    • Is Credit Acceptance Corporation in the S&P 500?
    • Is Credit Acceptance Corporation in the NASDAQ 100?
    • Is Credit Acceptance Corporation in the Dow Jones?
    • When was Credit Acceptance Corporation's last earnings report?
    • When does Credit Acceptance Corporation report earnings?

    What is the ticker symbol for Credit Acceptance Corporation?

    The ticker symbol for Credit Acceptance Corporation is NASDAQ:CACC

    Does Credit Acceptance Corporation pay dividends?

    No, Credit Acceptance Corporation does not pay dividends

    What sector is Credit Acceptance Corporation in?

    Credit Acceptance Corporation is in the Financial Services sector

    What industry is Credit Acceptance Corporation in?

    Credit Acceptance Corporation is in the Credit Services industry

    What country is Credit Acceptance Corporation based in?

    Credit Acceptance Corporation is headquartered in United States

    When did Credit Acceptance Corporation go public?

    Credit Acceptance Corporation's initial public offering (IPO) was on June 5, 1992

    Is Credit Acceptance Corporation in the S&P 500?

    No, Credit Acceptance Corporation is not included in the S&P 500 index

    Is Credit Acceptance Corporation in the NASDAQ 100?

    No, Credit Acceptance Corporation is not included in the NASDAQ 100 index

    Is Credit Acceptance Corporation in the Dow Jones?

    No, Credit Acceptance Corporation is not included in the Dow Jones index

    When was Credit Acceptance Corporation's last earnings report?

    Credit Acceptance Corporation's most recent earnings report was on April 30, 2025

    When does Credit Acceptance Corporation report earnings?

    The next expected earnings date for Credit Acceptance Corporation is July 31, 2025
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