475.31 USD
+13.73 (+2.97%)
475.31 USD
0 (0%)
Overall CACC gets a fundamental rating of 4 out of 10. We evaluated CACC against 53 industry peers in the Consumer Finance industry. CACC has a medium profitability rating, but doesn't score so well on its financial health evaluation. CACC has a correct valuation and a medium growth rate.
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.
- Each year in the past 5 years CACC has been profitable.
- CACC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 5.25%, CACC is in the better half of the industry, outperforming 67.92% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 28.75%, CACC belongs to the top of the industry, outperforming 84.91% of the companies in the same industry.
- The Return On Invested Capital of CACC (10.46%) is better than 77.36% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for CACC is below the industry average of 12.42%.
- The 3 year average ROIC (8.71%) for CACC is below the current ROIC(10.46%), indicating increased profibility in the last year.
| 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 71.70% of the companies in the same industry.
- CACC's Profit Margin has declined in the last couple of years.
- CACC's Operating Margin of 46.10% is amongst the best of the industry. CACC outperforms 96.23% of its industry peers.
- In the last couple of years the Operating Margin of CACC has declined.
| 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.
- The number of shares outstanding for CACC has been reduced compared to 1 year ago.
- 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 1.18. This is a bad value and indicates that CACC is not financially healthy and even has some risk of bankruptcy.
- CACC has a Altman-Z score of 1.18. This is in the better half of the industry: CACC outperforms 67.92% of its industry peers.
- 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.
- CACC's Debt to FCF ratio of 5.86 is fine compared to the rest of the industry. CACC outperforms 71.70% 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 (3.73) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.73 | ||
| Debt/FCF | 5.86 | ||
| Altman-Z | 1.18 |
ROIC/WACC1.33
WACC7.88%
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.
- The Current ratio of CACC (0.03) is worse than 79.25% of its industry peers.
- A Quick Ratio of 0.03 indicates that CACC may have some problems paying its short term obligations.
- CACC has a Quick ratio of 0.03. This is in the lower half of the industry: CACC underperforms 79.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.03 | ||
| Quick Ratio | 0.03 |
3. Growth
3.1 Past
- CACC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.85%.
- CACC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.14% yearly.
- Looking at the last year, CACC shows a quite strong growth in Revenue. The Revenue has grown by 10.30% in the last year.
- 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
- Based on estimates for the next years, CACC will show a small growth in Earnings Per Share. The EPS will grow by 5.73% on average per year.
- The Revenue is expected to grow by 5.62% on average over the next years.
EPS Next Y1.29%
EPS Next 2Y5.27%
EPS Next 3Y5.73%
EPS Next 5YN/A
Revenue Next Year3.91%
Revenue Next 2Y2.94%
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 12.72, the valuation of CACC can be described as correct.
- 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 (27.33), we can say CACC is valued rather cheaply.
- The Price/Forward Earnings ratio is 11.13, 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.
- When comparing the Price/Forward Earnings ratio of CACC to the average of the S&P500 Index (24.12), we can say CACC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.72 | ||
| Fwd PE | 11.13 |
4.2 Price Multiples
- 71.70% of the companies in the same industry are more expensive than CACC, based on the Enterprise Value to EBITDA ratio.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of CACC indicates a somewhat cheap valuation: CACC is cheaper than 66.04% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.82 | ||
| EV/EBITDA | 10.51 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- CACC has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)9.89
PEG (5Y)5.94
EPS Next 2Y5.27%
EPS Next 3Y5.73%
5. Dividend
5.1 Amount
- CACC does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
475.31
+13.73 (+2.97%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-30 2025-10-30/amc
Earnings (Next)01-29 2026-01-29/amc
Inst Owners71.95%
Inst Owner Change-0.01%
Ins Owners20.24%
Ins Owner Change3.56%
Market Cap5.24B
Revenue(TTM)2.30B
Net Income(TTM)453.90M
Analysts46.67
Price Target467.16 (-1.71%)
Short Float %23.85%
Short Ratio9.94
Dividend
| Industry Rank | Sector 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)0%
PT rev (3m)-2.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.84%
EPS NY rev (1m)0%
EPS NY rev (3m)1.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-12.61%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-11.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.72 | ||
| Fwd PE | 11.13 | ||
| P/S | 2.28 | ||
| P/FCF | 4.82 | ||
| P/OCF | 4.81 | ||
| P/B | 3.32 | ||
| P/tB | 3.32 | ||
| EV/EBITDA | 10.51 |
EPS(TTM)37.38
EY7.86%
EPS(NY)42.7
Fwd EY8.98%
FCF(TTM)98.55
FCFY20.73%
OCF(TTM)98.72
OCFY20.77%
SpS208.81
BVpS143.12
TBVpS143.12
PEG (NY)9.89
PEG (5Y)5.94
Graham Number346.94
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 | 1.18 |
F-Score8
WACC7.88%
ROIC/WACC1.33
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 Y1.29%
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 Year3.91%
Revenue Next 2Y2.94%
Revenue Next 3Y5.62%
Revenue Next 5YN/A
EBIT growth 1Y59.22%
EBIT growth 3Y-18.46%
EBIT growth 5Y-6.02%
EBIT Next Year41.8%
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 of CREDIT ACCEPTANCE CORP (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.
Can you provide the financial health for CACC stock?
The financial health rating of CREDIT ACCEPTANCE CORP (CACC) is 3 / 10.