CREDIT ACCEPTANCE CORP (CACC) Stock Fundamental Analysis

NASDAQ:CACC • US2253101016

483.98 USD
-1.16 (-0.24%)
At close: Feb 13, 2026
483.98 USD
0 (0%)
After Hours: 2/13/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

CACC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 54 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 correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • CACC had positive earnings in the past year.
  • In the past year CACC had a positive cash flow from operations.
  • In the past 5 years CACC has always been profitable.
  • Of the past 5 years CACC 4 years had a positive operating cash flow.
CACC Yearly Net Income VS EBIT VS OCF VS FCFCACC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B

1.2 Ratios

  • CACC has a better Return On Assets (5.25%) than 68.52% of its industry peers.
  • The Return On Equity of CACC (28.75%) is better than 85.19% of its industry peers.
  • With a decent Return On Invested Capital value of 10.26%, CACC is doing good in the industry, outperforming 75.93% of the companies in the same industry.
  • CACC had an Average Return On Invested Capital over the past 3 years of 8.37%. This is below the industry average of 12.09%.
  • The 3 year average ROIC (8.37%) for CACC is below the current ROIC(10.26%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 5.25%
ROE 28.75%
ROIC 10.26%
ROA(3y)3.82%
ROA(5y)6.56%
ROE(3y)19.44%
ROE(5y)28.77%
ROIC(3y)8.37%
ROIC(5y)10.12%
CACC Yearly ROA, ROE, ROICCACC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

1.3 Margins

  • The Profit Margin of CACC (19.71%) is better than 72.22% of its industry peers.
  • In the last couple of years the Profit Margin of CACC has declined.
  • With an excellent Operating Margin value of 46.10%, CACC belongs to the best of the industry, outperforming 96.30% of the companies in the same industry.
  • In the last couple of years the Operating Margin of CACC has remained more or less at the same level.
Industry RankSector Rank
OM 46.1%
PM (TTM) 19.71%
GM N/A
OM growth 3Y-2.54%
OM growth 5Y-1.21%
PM growth 3Y-14.47%
PM growth 5Y-6.22%
GM growth 3YN/A
GM growth 5YN/A
CACC Yearly Profit, Operating, Gross MarginsCACC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so CACC is still 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.
CACC Yearly Shares OutstandingCACC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
CACC Yearly Total Debt VS Total AssetsCACC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • CACC has an Altman-Z score of 1.20. This is a bad value and indicates that CACC is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.20, CACC is in the better half of the industry, outperforming 70.37% of the companies in the same industry.
  • The Debt to FCF ratio of CACC is 5.86, which is a neutral value as it means it would take CACC, 5.86 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of CACC (5.86) is better than 72.22% of its industry peers.
  • A Debt/Equity ratio of 3.73 is on the high side and indicates that CACC has dependencies on debt financing.
  • CACC has a Debt to Equity ratio of 3.73. This is comparable to the rest of the industry: CACC outperforms 42.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.73
Debt/FCF 5.86
Altman-Z 1.2
ROIC/WACC1.33
WACC7.7%
CACC Yearly LT Debt VS Equity VS FCFCACC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.3 Liquidity

  • A Current Ratio of 0.03 indicates that CACC may have some problems paying its short term obligations.
  • CACC has a worse Current ratio (0.03) than 77.78% of its industry peers.
  • CACC has a Quick 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.
  • CACC has a worse Quick ratio (0.03) than 77.78% of its industry peers.
Industry RankSector Rank
Current Ratio 0.03
Quick Ratio 0.03
CACC Yearly Current Assets VS Current LiabilitesCACC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • CACC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.23%.
  • The Earnings Per Share has been growing by 8.73% on average over the past years. This is quite good.
  • Looking at the last year, CACC shows a small growth in Revenue. The Revenue has grown by 7.16% in the last year.
  • The Revenue has been growing slightly by 6.78% on average over the past years.
EPS 1Y (TTM)-6.23%
EPS 3Y-2.47%
EPS 5Y8.73%
EPS Q2Q%-12.29%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y8.14%
Revenue growth 5Y6.78%
Sales Q2Q%2.47%

3.2 Future

  • The Earnings Per Share is expected to grow by 20.21% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, CACC will show a small growth in Revenue. The Revenue will grow by 2.03% on average per year.
EPS Next Y26.24%
EPS Next 2Y20.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.51%
Revenue Next 2Y2.03%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CACC Yearly Revenue VS EstimatesCACC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
CACC Yearly EPS VS EstimatesCACC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 10 20 30 40 50

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.40 indicates a correct valuation of CACC.
  • Based on the Price/Earnings ratio, CACC is valued a bit more expensive than the industry average as 62.96% of the companies are valued more cheaply.
  • The average S&P500 Price/Earnings ratio is at 27.97. CACC is valued rather cheaply when compared to this.
  • CACC is valuated reasonably with a Price/Forward Earnings ratio of 10.61.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CACC is on the same level as its industry peers.
  • CACC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.96.
Industry RankSector Rank
PE 13.4
Fwd PE 10.61
CACC Price Earnings VS Forward Price EarningsCACC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, CACC is valued a bit cheaper than 66.67% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CACC indicates a somewhat cheap valuation: CACC is cheaper than 66.67% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.91
EV/EBITDA 10.75
CACC Per share dataCACC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of CACC may justify a higher PE ratio.
  • A more expensive valuation may be justified as CACC's earnings are expected to grow with 20.21% in the coming years.
PEG (NY)0.51
PEG (5Y)1.54
EPS Next 2Y20.21%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • CACC does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

CREDIT ACCEPTANCE CORP

NASDAQ:CACC (2/13/2026, 8:00:02 PM)

After market: 483.98 0 (0%)

483.98

-1.16 (-0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners71.95%
Inst Owner Change5.84%
Ins Owners20.24%
Ins Owner Change3.35%
Market Cap5.17B
Revenue(TTM)2.32B
Net Income(TTM)453.90M
Analysts48.89
Price Target476 (-1.65%)
Short Float %24.06%
Short Ratio10.42
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)1.89%
PT rev (3m)0.9%
EPS NQ rev (1m)-2.64%
EPS NQ rev (3m)-4.01%
EPS NY rev (1m)6.81%
EPS NY rev (3m)6.81%
Revenue NQ rev (1m)11.55%
Revenue NQ rev (3m)-0.67%
Revenue NY rev (1m)9.45%
Revenue NY rev (3m)-2.38%
Valuation
Industry RankSector Rank
PE 13.4
Fwd PE 10.61
P/S 2.32
P/FCF 4.91
P/OCF 4.9
P/B 3.38
P/tB 3.38
EV/EBITDA 10.75
EPS(TTM)36.13
EY7.47%
EPS(NY)45.61
Fwd EY9.42%
FCF(TTM)98.55
FCFY20.36%
OCF(TTM)98.72
OCFY20.4%
SpS208.81
BVpS143.12
TBVpS143.12
PEG (NY)0.51
PEG (5Y)1.54
Graham Number341.09
Profitability
Industry RankSector Rank
ROA 5.25%
ROE 28.75%
ROCE 13.67%
ROIC 10.26%
ROICexc 10.29%
ROICexgc 10.33%
OM 46.1%
PM (TTM) 19.71%
GM N/A
FCFM 47.2%
ROA(3y)3.82%
ROA(5y)6.56%
ROE(3y)19.44%
ROE(5y)28.77%
ROIC(3y)8.37%
ROIC(5y)10.12%
ROICexc(3y)8.52%
ROICexc(5y)10.22%
ROICexgc(3y)8.56%
ROICexgc(5y)10.29%
ROCE(3y)11.14%
ROCE(5y)13.48%
ROICexgc growth 3Y-1.97%
ROICexgc growth 5Y3%
ROICexc growth 3Y-1.83%
ROICexc growth 5Y3%
OM growth 3Y-2.54%
OM growth 5Y-1.21%
PM growth 3Y-14.47%
PM growth 5Y-6.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.27
Health
Industry RankSector 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 1.2
F-Score7
WACC7.7%
ROIC/WACC1.33
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.23%
EPS 3Y-2.47%
EPS 5Y8.73%
EPS Q2Q%-12.29%
EPS Next Y26.24%
EPS Next 2Y20.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.16%
Revenue growth 3Y8.14%
Revenue growth 5Y6.78%
Sales Q2Q%2.47%
Revenue Next Year0.51%
Revenue Next 2Y2.03%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y59.22%
EBIT growth 3Y5.4%
EBIT growth 5Y5.49%
EBIT Next Year-6.64%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-4.68%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-4.75%
OCF growth 3YN/A
OCF growth 5YN/A

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 of CREDIT ACCEPTANCE CORP (CACC) stock?

ChartMill assigns a valuation rating of 6 / 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.


Can you provide the financial health for CACC stock?

The financial health rating of CREDIT ACCEPTANCE CORP (CACC) is 3 / 10.