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

CACCNASDAQ

511.35

USD
-16.58
(-3.14%)
Pre Market
13.52P/E
12Forward P/E
0.61P/E to S&P500
6.523BMarket CAP
- -Div Yield
Upcoming Earnings
1 May-5 May
Shares Short
1/13/23
1.38M
Short % of Float
23.00%
Short % of Shares Outs.
10.81%
% Held by Insiders
33.25%
% Held by Institutions
62.11%
Beta
1.34
PEG Ratio
0.64
52w. high/low
648.95/358.00
Avg. Daily Volume
0.13M
Return %
Stock
S&P 500
1 year
2.27
(7.99)
3 years
19.93
23.80
5 years
71.39
56.27
Scale: |
High
Low
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
397.57
572.12
358.01
Currency: USD
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Revenue per share
7.91
10.24
12.39
14.99
19.90
23.95
28.49
32.44
39.42
47.47
56.79
66.08
78.72
93.40
115.34
135.09
Earnings per share
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
59.57
39.50
FCF per share
2.82
2.98
4.88
5.10
7.50
10.60
12.57
14.38
17.27
19.68
25.73
28.67
35.91
43.98
60.72
78.28
Dividends per share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
CAPEX per share
0.05
0.25
0.21
0.10
0.13
0.25
0.37
0.25
0.21
0.20
0.28
0.43
1.33
1.50
0.53
0.56
Book Value per sh.
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
113.40
119.73
Comm.Shares outs.
30
30
31
29
26
25
24
22
21
20
19
19
19
18
16
14
Avg. annual P/E ratio
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
8.2
13.3
P/E to S&P500
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
0.6
Avg. annual div. yield
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Revenue (m)
238
310
379
441
523
609
680
722
824
965
1,107
1,285
1,488
1,668
1,855
1,832
Operating margin
34.9%
34.5%
60.4%
57.5%
56.6%
56.4%
58.6%
61.3%
57.6%
55.0%
52.7%
58.8%
57.6%
33.4%
68.0%
- -
Depreciation (m)
4
5
5
11
10
12
13
13
14
15
16
20
22
24
26
- -
Net profit (m)
55
67
146
170
188
220
253
266
300
333
470
574
656
421
958
536
Income tax rate
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%
24.7%
Net profit margin
23.1%
21.7%
38.6%
38.6%
35.9%
36.1%
37.2%
36.9%
36.4%
34.5%
42.5%
44.7%
44.1%
25.2%
51.7%
29.2%
Working capital (m)
458
583
952
1,171
1,559
1,807
1,875
2,211
2,670
3,213
3,896
4,865
5,540
6,053
6,767
6,353
Long-term debt (m)
163
207
396
631
946
1,101
1,030
1,398
1,595
1,854
2,271
2,772
3,010
3,517
4,616
- -
Equity (m)
265
338
498
474
540
622
750
702
928
1,174
1,536
1,991
2,355
2,303
1,824
1,624
ROIC
11.0%
15.2%
16.9%
16.7%
13.9%
13.9%
15.2%
13.1%
12.5%
11.9%
14.2%
13.9%
14.2%
6.8%
13.9%
- -
Return on capital
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%
- -
Return on equity
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%
33.0%
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%
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%
Capital Structure
31 Dec · 2022 | Q4
All numbers in millions
Total liabilities
$ 5,281
Total assets
$ 6,905
Long-term debt
$ - -
Cash and equiv.
$ 8
Goodwill
$ - -
Retained earnings
$ 1,381
Common stock
13
Enterprise Value
$ 6,516
Working Capital
Currency: USD, in millions
2020
2021
2022
Cash & Investments
16
23
80
Receivables
6,935
6,446
6,306
Inventory
- -
- -
- -
Other
381
480
(8)
Current assets
7,332
6,942
6,386
Acc. Payable
187
175
- -
Debt due
1,092
3
31
Other
0
(2)
3
Current liabilities
1,279
175
33
Annual growth rates
(avg. rate of change)
1 year
5 years
10 years
Revenue
(1.23)%
9.47%
11.80%
Cash flow
8.71%
17.63%
15.27%
Earnings
(44.09)%
15.50%
17.13%
Dividends
- -
- -
- -
Book value
(10.97)%
(3.92)%
10.78%
Insider Trading
Type
Shares
Date
Rummler Wendy A
Exempt
1,000
02/02/23
Rummler Wendy A
Sale
1,000
02/02/23
Rummler Wendy A
Exempt
1,000
02/02/23
Kerber Erin J
InKind
811
01/30/23
Busk Douglas W
InKind
2,321
01/30/23
Quarterly Revenue
Currency: USD, in millions
Year
1Q
2Q
3Q
4Q
Total
2020
389
406
426
447
1,668
2021
451
472
470
463
1,855
2022
456
457
460
459
1,832
Earnings per share
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
2020
(4.69)
5.40
13.56
9.31
23.57
2021
12.56
17.94
15.54
13.53
59.57
2022
15.80
7.92
6.40
9.39
39.50
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.