Credit Acceptance Corpora... (CACC)
Credit Acceptance Statistics
Share Statistics
Credit Acceptance has 12.03M shares outstanding. The number of shares has increased by -0.66% in one year.
| Shares Outstanding | 12.03M |
| Shares Change (YoY) | -0.66% |
| Shares Change (QoQ) | -0.66% |
| Owned by Institutions (%) | 64.5% |
| Shares Floating | 6.66M |
| Failed to Deliver (FTD) Shares | 699 |
| FTD / Avg. Volume | 0.82% |
Short Selling Information
The latest short interest is 485.24K, so 4.03% of the outstanding shares have been sold short.
| Short Interest | 485.24K |
| Short % of Shares Out | 4.03% |
| Short % of Float | 10.09% |
| Short Ratio (days to cover) | 6.28 |
Valuation Ratios
The PE ratio is 23.34 and the forward PE ratio is 9.65. Credit Acceptance's PEG ratio is -2.62.
| PE Ratio | 23.34 |
| Forward PE | 9.65 |
| PS Ratio | 2.71 |
| Forward PS | 2.4 |
| PB Ratio | 3.31 |
| P/FCF Ratio | 5.09 |
| PEG Ratio | -2.62 |
Enterprise Valuation
Credit Acceptance has an Enterprise Value (EV) of 11.29B.
| EV / Sales | 5.29 |
| EV / EBITDA | 32 |
| EV / EBIT | 9.92 |
| EV / FCF | 9.94 |
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 |
| Debt / EBITDA | 18 |
| Debt / FCF | 5.59 |
| Interest Coverage | 0 |
Financial Efficiency
Return on Equity is 14.17% and Return on Invested Capital is 2.81%.
| Return on Equity | 14.17% |
| Return on Assets | 2.8% |
| Return on Invested Capital | 2.81% |
| Revenue Per Employee | $877.95K |
| Profits Per Employee | $101.97K |
| Employee Count | 2,431 |
| Asset Turnover | 0.24 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 81.6M |
| Effective Tax Rate | 24.76% |
Stock Price Statistics
The stock price has increased by -14.36% in the last 52 weeks. The beta is 1.27, so Credit Acceptance's price volatility has been higher than the market average.
| Beta | 1.27 |
| 52-Week Price Change | -14.36% |
| 50-Day Moving Average | 493.21 |
| 200-Day Moving Average | 482.89 |
| Relative Strength Index (RSI) | 34.25 |
| Average Volume (20 Days) | 85.07K |
Income Statement
In the last 12 months, Credit Acceptance had revenue of 2.13B and earned 247.9M in profits. Earnings per share was 20.12.
| Revenue | 2.13B |
| Gross Profit | 1.33B |
| Operating Income | 325.1M |
| Net Income | 247.9M |
| EBITDA | 352.9M |
| EBIT | 325.1M |
| 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 62.41%, with operating and profit margins of 15.23% and 11.62%.
| Gross Margin | 62.41% |
| Operating Margin | 15.23% |
| Pretax Margin | 15.44% |
| Profit Margin | 11.62% |
| EBITDA Margin | 16.53% |
| EBIT Margin | 15.23% |
| FCF Margin | 53.23% |
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 | 4.29% |
| FCF Yield | 19.64% |
Analyst Forecast
The average price target for CACC is $475, which is 6.8% higher than the current price. The consensus rating is "Hold".
| Price Target | $475 |
| Price Target Difference | 6.8% |
| 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 | 2.29 |
| Piotroski F-Score | 6 |