US stock · Financial Services sector · Credit Services
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Credit Acceptance Corporation

CACCNASDAQ

581.40

USD
+20.00
(+3.56%)
After Hours Market
8.92P/E
12Forward P/E
0.34P/E to S&P500
7.639BMarket CAP
- -Div Yield
Upcoming Earnings
27 Jul-1 Aug
Shares Short
5/13/22
1.22M
Short % of Float
19.09%
Short % of Shares Outs.
9.27%
% Held by Insiders
32.62%
% Held by Institutions
70.87%
Beta
1.24
PEG Ratio
0.48
52w. high/low
703.27/381.93
Avg. Daily Volume
0.10M
Return %
Stock
S&P 500
1 year
27.82
(6.01)
3 years
19.45
39.24
5 years
156.79
63.25
Scale: |
High
Low
33.97
15.44
31.52
10.59
44.93
13.73
63.58
38.57
93.10
53.04
107.09
76.95
132.20
95.54
164.05
110.98
277.98
129.82
223.57
160.63
338.12
182.50
467.26
297.63
509.99
373.06
539.00
199.00
703.26
320.19
699.08
462.26
Currency: USD
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
TTM
Revenue per share
6.64
7.98
10.32
12.44
15.04
19.97
23.98
28.60
32.51
39.50
47.67
56.93
66.12
78.78
93.47
117.45
120.82
Earnings per share
1.78
1.83
2.22
4.78
5.79
7.15
8.65
10.61
11.96
14.35
16.37
24.12
29.52
34.71
23.57
60.67
62.81
FCF per share
2.56
3.00
4.93
4.90
6.71
10.24
11.80
13.42
16.22
19.16
24.68
28.60
34.91
41.56
54.69
67.22
72.21
Dividends per share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
CAPEX per share
0.05
0.25
0.21
0.10
0.12
0.24
0.35
0.23
0.19
0.19
0.27
0.43
1.29
1.42
0.48
0.48
0.55
Book Value per sh.
6.37
8.83
11.17
16.29
16.14
20.53
24.47
31.45
31.55
44.42
57.73
78.77
102.38
124.62
128.93
115.49
126.65
Comm.Shares outs.
33
30
30
31
29
26
25
24
22
21
20
19
19
19
18
16
15
Avg. annual P/E ratio
15.1
13.6
8.3
5.5
9.0
10.2
10.5
10.6
11.2
14.4
11.6
10.2
12.6
13.0
15.8
8.1
8.9
P/E to S&P500
0.8
0.8
0.4
0.1
0.4
0.6
0.7
0.6
0.6
0.7
0.5
0.4
0.5
0.5
0.4
0.3
0.3
Avg. annual div. yield
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Revenue (m)
219
240
312
381
442
525
609
682
724
825
969
1,110
1,286
1,489
1,669
1,855
1,860
Operating margin
41.3%
34.6%
34.3%
59.7%
57.0%
56.1%
56.2%
58.0%
61.0%
57.3%
54.4%
52.3%
58.7%
57.5%
33.3%
67.9%
68.8%
Depreciation (m)
5
4
5
5
11
10
12
13
13
14
15
16
20
22
24
26
26
Net profit (m)
59
55
67
146
170
188
220
253
266
300
333
470
574
656
421
958
971
Income tax rate
35.1%
35.5%
37.3%
36.2%
32.9%
36.6%
36.0%
36.4%
36.8%
36.8%
37.3%
19.5%
24.0%
23.3%
23.4%
24.0%
24.2%
Net profit margin
26.7%
22.9%
21.5%
38.4%
38.5%
35.8%
36.1%
37.1%
36.8%
36.3%
34.3%
42.4%
44.6%
44.1%
25.2%
51.7%
52.1%
Working capital (m)
548
(181)
(59)
(87)
(141)
(30)
1,927
2,143
2,495
3,148
4,006
4,726
5,798
7,122
7,049
6,764
6,661
Long-term debt (m)
392
532
580
410
549
954
1,207
1,286
1,633
2,027
2,604
3,057
3,649
4,539
4,512
4,614
4,739
Equity (m)
210
265
338
498
474
540
622
750
702
928
1,174
1,536
1,991
2,355
2,303
1,824
1,629
ROIC
10.4%
7.2%
9.5%
16.7%
17.9%
13.9%
13.2%
13.4%
11.9%
10.9%
9.7%
11.9%
11.8%
11.2%
5.8%
13.9%
14.2%
Return on capital
12.5%
9.0%
13.2%
22.2%
22.4%
20.1%
19.1%
19.0%
17.1%
16.2%
14.9%
14.1%
14.6%
14.2%
7.3%
17.9%
18.2%
Return on equity
27.9%
20.7%
19.9%
29.4%
35.8%
34.8%
35.3%
33.7%
37.9%
32.3%
28.4%
30.6%
28.8%
27.9%
18.3%
52.5%
59.6%
Plowback ratio
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
Div.&Repurch./FCF
277.7%
7.7%
0.0%
0.4%
102.5%
48.6%
50.9%
42.2%
95.2%
21.6%
24.3%
22.1%
19.0%
38.2%
49.2%
138.6%
158.3%
Capital Structure
2 May · 2022 | Q1
All numbers in millions
Total liabilities
$ 5,410
Total assets
$ 7,038
Long-term debt
$ 4,739
Cash and equiv.
$ 18
Goodwill
$ - -
Retained earnings
$ 1,419
Common stock
14
Enterprise Value
$ 12,361
Working Capital
Currency: USD, in millions
2019
2020
2021
Cash & Investments
247
16
85
Receivables
6,751
6,935
6,446
Inventory
- -
- -
- -
Other
330
210
247
Current assets
7,328
7,332
6,942
Acc. Payable
206
187
175
Debt due
1,529
97
3
Other
(1,528)
0
0
Current liabilities
207
284
178
Annual growth rates
(avg. rate of change)
1 year
5 years
10 years
Revenue
11.14%
13.72%
13.22%
Cash flow
8.71%
17.63%
15.27%
Earnings
127.62%
32.04%
23.72%
Dividends
- -
- -
- -
Book value
(20.77)%
6.23%
14.29%
Insider Trading
Type
Shares
Date
Prescott General Partners Llc
Sale
377
05/17/22
Prescott General Partners Llc
Sale
3,579
05/17/22
Prescott General Partners Llc
Sale
280
05/17/22
Prescott General Partners Llc
Sale
6,978
05/17/22
Prescott General Partners Llc
Sale
480
05/11/22
Quarterly Revenue
Currency: USD, in millions
Year
1Q
2Q
3Q
4Q
Total
2020
389
406
427
447
1,669
2021
451
472
470
463
1,856
2022
456
- -
- -
- -
- -
Earnings per share
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
2020
(4.69)
5.40
13.56
9.31
23.57
2021
12.79
18.27
15.83
13.78
60.67
2022
15.02
- -
- -
- -
- -
Quarterly dividends paid
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
2020
- -
- -
- -
- -
- -
2021
- -
- -
- -
- -
- -
2022
- -
- -
- -
- -
- -
Company Description
Sector:
Financial Services
Industry:
Credit Services
CEO:
Mr. Brett Roberts
Full-time employees:
2,073
City:
Southfield
Address:
25505 W 12 Mile Rd
IPO:
Jun 5, 1992
Credit Acceptance Corporation provides financing programs, and related products and services to independent and franchised automobile dealers in the United States. The company advances money to dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps various amounts collected from the consumers. It is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. The company was founded in 1972 and is headquartered in Southfield, Michigan.