428.1 USD
+17.06 (+4.15%)
427.69 USD
-0.41 (-0.1%)
CACC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. There are concerns on the financial health of CACC while its profitability can be described as average. CACC has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
CACC had positive earnings in the past year.
CACC had a positive operating cash flow in the past year.
CACC had positive earnings in each of the past 5 years.
Each year in the past 5 years CACC had a positive operating cash flow.
1.2 Ratios
CACC has a Return On Assets of 5.25%. This is in the better half of the industry: CACC outperforms 74.55% of its industry peers.
CACC's Return On Equity of 28.75% is amongst the best of the industry. CACC outperforms 89.09% of its industry peers.
CACC has a Return On Invested Capital of 10.46%. This is in the better half of the industry: CACC outperforms 78.18% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CACC is below the industry average of 11.61%.
The last Return On Invested Capital (10.46%) for CACC is above the 3 year average (8.71%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.25% | ||
| ROE | 28.75% | ||
| ROIC | 10.46% |
ROA(3y)4.77%
ROA(5y)6.71%
ROE(3y)21.16%
ROE(5y)26.86%
ROIC(3y)8.71%
ROIC(5y)10.05%
1.3 Margins
With a decent Profit Margin value of 19.71%, CACC is doing good in the industry, outperforming 76.36% of the companies in the same industry.
In the last couple of years the Profit Margin of CACC has declined.
CACC's Operating Margin of 46.10% is amongst the best of the industry. CACC outperforms 98.18% of its industry peers.
CACC's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 46.1% | ||
| PM (TTM) | 19.71% | ||
| GM | N/A |
OM growth 3Y-22.51%
OM growth 5Y-12.78%
PM growth 3Y-39.45%
PM growth 5Y-23.61%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CACC has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
Compared to 1 year ago, CACC has less shares outstanding
Compared to 5 years ago, CACC has less shares outstanding
The debt/assets ratio for CACC is higher compared to a year ago.
2.2 Solvency
CACC has an Altman-Z score of 1.16. This is a bad value and indicates that CACC is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of CACC (1.16) is better than 65.45% of its industry peers.
CACC has a debt to FCF ratio of 5.86. This is a neutral value as CACC would need 5.86 years to pay back of all of its debts.
CACC has a Debt to FCF ratio of 5.86. This is in the better half of the industry: CACC outperforms 70.91% of its industry peers.
CACC has a Debt/Equity ratio of 3.73. This is a high value indicating a heavy dependency on external financing.
CACC has a worse Debt to Equity ratio (3.73) than 60.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.73 | ||
| Debt/FCF | 5.86 | ||
| Altman-Z | 1.16 |
ROIC/WACC1.04
WACC10.02%
2.3 Liquidity
CACC has a Current Ratio of 0.03. This is a bad value and indicates that CACC is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.03, CACC is doing worse than 83.64% of the companies in the same industry.
A Quick Ratio of 0.03 indicates that CACC may have some problems paying its short term obligations.
With a Quick ratio value of 0.03, CACC is not doing good in the industry: 83.64% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.03 | ||
| Quick Ratio | 0.03 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 4.85% over the past year.
CACC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.14% yearly.
The Revenue has grown by 10.30% in the past year. This is quite good.
The Revenue has been growing slightly by 7.75% on average over the past years.
EPS 1Y (TTM)4.85%
EPS 3Y-13.43%
EPS 5Y2.14%
EPS Q2Q%5.8%
Revenue 1Y (TTM)10.3%
Revenue growth 3Y5.23%
Revenue growth 5Y7.75%
Sales Q2Q%5.83%
3.2 Future
CACC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.73% yearly.
Based on estimates for the next years, CACC will show a small growth in Revenue. The Revenue will grow by 5.62% on average per year.
EPS Next Y-0.13%
EPS Next 2Y5.27%
EPS Next 3Y5.73%
EPS Next 5YN/A
Revenue Next Year16.12%
Revenue Next 2Y9%
Revenue Next 3Y5.62%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.45, the valuation of CACC can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of CACC is on the same level as its industry peers.
When comparing the Price/Earnings ratio of CACC to the average of the S&P500 Index (25.45), we can say CACC is valued rather cheaply.
The Price/Forward Earnings ratio is 10.03, which indicates a very decent valuation of CACC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CACC is on the same level as its industry peers.
CACC is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.46, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.45 | ||
| Fwd PE | 10.03 |
4.2 Price Multiples
CACC's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CACC is cheaper than 70.91% of the companies in the same industry.
CACC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CACC is cheaper than 65.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.43 | ||
| EV/EBITDA | 10.25 |
4.3 Compensation for Growth
The decent profitability rating of CACC may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)5.35
EPS Next 2Y5.27%
EPS Next 3Y5.73%
5. Dividend
5.1 Amount
No dividends for CACC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
428.1
+17.06 (+4.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners67.38%
Inst Owner Change-83.49%
Ins Owners18.64%
Ins Owner Change3.61%
Market Cap4.81B
Revenue(TTM)2.30B
Net Income(TTM)453.90M
Analysts46.67
Price Target467.16 (9.12%)
Short Float %15.97%
Short Ratio6.14
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-8.41%
Min EPS beat(2)-13.27%
Max EPS beat(2)-3.54%
EPS beat(4)1
Avg EPS beat(4)0.95%
Min EPS beat(4)-13.27%
Max EPS beat(4)25.8%
EPS beat(8)4
Avg EPS beat(8)6.6%
EPS beat(12)5
Avg EPS beat(12)-1.48%
EPS beat(16)7
Avg EPS beat(16)-4.03%
Revenue beat(2)0
Avg Revenue beat(2)-2.78%
Min Revenue beat(2)-3.69%
Max Revenue beat(2)-1.88%
Revenue beat(4)1
Avg Revenue beat(4)-0.25%
Min Revenue beat(4)-3.69%
Max Revenue beat(4)6.16%
Revenue beat(8)3
Avg Revenue beat(8)1.96%
Revenue beat(12)4
Avg Revenue beat(12)0.79%
Revenue beat(16)5
Avg Revenue beat(16)0.37%
PT rev (1m)-2.03%
PT rev (3m)-2.03%
EPS NQ rev (1m)2.01%
EPS NQ rev (3m)2.29%
EPS NY rev (1m)0.13%
EPS NY rev (3m)-0.03%
Revenue NQ rev (1m)-2.08%
Revenue NQ rev (3m)-1.86%
Revenue NY rev (1m)-0.71%
Revenue NY rev (3m)-0.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.45 | ||
| Fwd PE | 10.03 | ||
| P/S | 2.09 | ||
| P/FCF | 4.43 | ||
| P/OCF | 4.42 | ||
| P/B | 3.05 | ||
| P/tB | 3.05 | ||
| EV/EBITDA | 10.25 |
EPS(TTM)37.38
EY8.73%
EPS(NY)42.7
Fwd EY9.97%
FCF(TTM)96.71
FCFY22.59%
OCF(TTM)96.88
OCFY22.63%
SpS204.91
BVpS140.44
TBVpS140.45
PEG (NY)N/A
PEG (5Y)5.35
Graham Number343.69
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.25% | ||
| ROE | 28.75% | ||
| ROCE | 13.67% | ||
| ROIC | 10.46% | ||
| ROICexc | 10.48% | ||
| ROICexgc | 10.53% | ||
| OM | 46.1% | ||
| PM (TTM) | 19.71% | ||
| GM | N/A | ||
| FCFM | 47.2% |
ROA(3y)4.77%
ROA(5y)6.71%
ROE(3y)21.16%
ROE(5y)26.86%
ROIC(3y)8.71%
ROIC(5y)10.05%
ROICexc(3y)8.86%
ROICexc(5y)10.15%
ROICexgc(3y)8.92%
ROICexgc(5y)10.22%
ROCE(3y)11.39%
ROCE(5y)13.13%
ROICexgc growth 3Y-18.43%
ROICexgc growth 5Y-5.46%
ROICexc growth 3Y-18.36%
ROICexc growth 5Y-5.47%
OM growth 3Y-22.51%
OM growth 5Y-12.78%
PM growth 3Y-39.45%
PM growth 5Y-23.61%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.27
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.73 | ||
| Debt/FCF | 5.86 | ||
| Debt/EBITDA | 5.41 | ||
| Cap/Depr | 6.93% | ||
| Cap/Sales | 0.08% | ||
| Interest Coverage | 2.43 | ||
| Cash Conversion | 99.98% | ||
| Profit Quality | 239.48% | ||
| Current Ratio | 0.03 | ||
| Quick Ratio | 0.03 | ||
| Altman-Z | 1.16 |
F-Score8
WACC10.02%
ROIC/WACC1.04
Cap/Depr(3y)11.21%
Cap/Depr(5y)19.65%
Cap/Sales(3y)0.15%
Cap/Sales(5y)0.28%
Profit Quality(3y)369.42%
Profit Quality(5y)290.21%
High Growth Momentum
Growth
EPS 1Y (TTM)4.85%
EPS 3Y-13.43%
EPS 5Y2.14%
EPS Q2Q%5.8%
EPS Next Y-0.13%
EPS Next 2Y5.27%
EPS Next 3Y5.73%
EPS Next 5YN/A
Revenue 1Y (TTM)10.3%
Revenue growth 3Y5.23%
Revenue growth 5Y7.75%
Sales Q2Q%5.83%
Revenue Next Year16.12%
Revenue Next 2Y9%
Revenue Next 3Y5.62%
Revenue Next 5YN/A
EBIT growth 1Y59.22%
EBIT growth 3Y-18.46%
EBIT growth 5Y-6.02%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-7.56%
FCF growth 3Y2.28%
FCF growth 5Y7.66%
OCF growth 1Y-7.67%
OCF growth 3Y2.09%
OCF growth 5Y6.97%
CREDIT ACCEPTANCE CORP / CACC FAQ
Can you provide the ChartMill fundamental rating for CREDIT ACCEPTANCE CORP?
ChartMill assigns a fundamental rating of 4 / 10 to CACC.
What is the valuation status for CACC stock?
ChartMill assigns a valuation rating of 5 / 10 to CREDIT ACCEPTANCE CORP (CACC). This can be considered as Fairly Valued.
What is the profitability of CACC stock?
CREDIT ACCEPTANCE CORP (CACC) has a profitability rating of 6 / 10.
What is the financial health of CREDIT ACCEPTANCE CORP (CACC) stock?
The financial health rating of CREDIT ACCEPTANCE CORP (CACC) is 3 / 10.