Credit Acceptance Corpora... (CACC)
Credit Acceptance Statistics
Share Statistics
Credit Acceptance has 12.03M shares outstanding. The number of shares has increased by -1.55% in one year.
| Shares Outstanding | 12.03M |
| Shares Change (YoY) | -1.55% |
| Shares Change (QoQ) | 0.01% |
| Owned by Institutions (%) | 64.5% |
| Shares Floating | 6.66M |
| Failed to Deliver (FTD) Shares | 164 |
| FTD / Avg. Volume | 0.22% |
Short Selling Information
The latest short interest is 446.32K, so 3.68% of the outstanding shares have been sold short.
| Short Interest | 446.32K |
| Short % of Shares Out | 3.68% |
| Short % of Float | 7.01% |
| Short Ratio (days to cover) | 9.34 |
Valuation Ratios
The PE ratio is 23.34 and the forward PE ratio is 14.24. Credit Acceptance's PEG ratio is -2.62.
| PE Ratio | 23.34 |
| Forward PE | 14.24 |
| PS Ratio | 2.68 |
| Forward PS | 2.7 |
| PB Ratio | 3.31 |
| P/FCF Ratio | 5.09 |
| PEG Ratio | -2.62 |
Enterprise Valuation
Credit Acceptance Corporation has an Enterprise Value (EV) of 11.97B.
| EV / Earnings | 48.28 |
| EV / Sales | 5.53 |
| EV / EBITDA | 33.91 |
| EV / EBIT | 14.41 |
| EV / FCF | 10.53 |
Financial Position
The company has a current ratio of 75.1, with a Debt / Equity ratio of 3.63.
| Current Ratio | 75.1 |
| Quick Ratio | 75.1 |
| Debt / Equity | 3.63 |
| Total Debt / Capitalization | 78.41 |
| Cash Flow / Debt | 0.18 |
| Interest Coverage | 0 |
Financial Efficiency
Return on equity (ROE) is 0.14% and return on capital (ROIC) is 7.71%.
| Return on Equity (ROE) | 0.14% |
| Return on Assets (ROA) | 0.03% |
| Return on Capital (ROIC) | 7.71% |
| Revenue Per Employee | $889,510.49 |
| Profits Per Employee | $101,974.5 |
| Employee Count | 2,431 |
| Asset Turnover | 0.24 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 81.6M |
| Effective Tax Rate | 0.25 |
Stock Price Statistics
The stock price has increased by -7.03% in the last 52 weeks. The beta is 1.51, so Credit Acceptance's price volatility has been higher than the market average.
| Beta | 1.51 |
| 52-Week Price Change | -7.03% |
| 50-Day Moving Average | 500.13 |
| 200-Day Moving Average | 483.04 |
| Relative Strength Index (RSI) | 58.77 |
| Average Volume (20 Days) | 76.02K |
Income Statement
In the last 12 months, Credit Acceptance had revenue of 2.16B and earned 247.9M in profits. Earnings per share was 20.12.
| Revenue | 2.16B |
| Gross Profit | 1.36B |
| Operating Income | 830.3M |
| Net Income | 247.9M |
| EBITDA | 352.9M |
| EBIT | 830.3M |
| Earnings Per Share (EPS) | 20.12 |
Balance Sheet
The company has 845M in cash and 6.35B in debt, giving a net cash position of -5.51B.
| Cash & Cash Equivalents | 845M |
| Total Debt | 6.35B |
| Net Cash | -5.51B |
| Retained Earnings | 1.41B |
| Total Assets | 8.85B |
| Working Capital | 8.28B |
Cash Flow
In the last 12 months, operating cash flow was 1.14B and capital expenditures -1.8M, giving a free cash flow of 1.14B.
| Operating Cash Flow | 1.14B |
| Capital Expenditures | -1.8M |
| Free Cash Flow | 1.14B |
| FCF Per Share | 92.19 |
Margins
Gross margin is 62.9%, with operating and profit margins of 38.4% and 11.46%.
| Gross Margin | 62.9% |
| Operating Margin | 38.4% |
| Pretax Margin | 15.24% |
| Profit Margin | 11.46% |
| EBITDA Margin | 16.32% |
| EBIT Margin | 38.4% |
| FCF Margin | 52.54% |
Dividends & Yields
CACC does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Payout Ratio | n/a |
| Earnings Yield | 3.92% |
| FCF Yield | 18.41% |
Analyst Forecast
The average price target for CACC is $475, which is -7.4% lower than the current price. The consensus rating is "Hold".
| Price Target | $475 |
| Price Target Difference | -7.4% |
| Analyst Consensus | Hold |
| Analyst Count | 2 |
Stock Splits
The last stock split was on Dec 21, 1994. It was a forward split with a ratio of 2:1.
| Last Split Date | Dec 21, 1994 |
| Split Type | forward |
| Split Ratio | 2:1 |
Scores
| Altman Z-Score | 2.34 |
| Piotroski F-Score | 7 |