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

CACCNASDAQ

477.99

USD
-2.08
(-0.43%)
Market Closed
9.01P/E
13Forward P/E
0.45P/E to S&P500
6.178BMarket CAP
- -Div Yield
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Currency: USD, in millions
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
Income Statement
Revenue
19
30
52
76
124
164
142
116
124
147
154
146
177
201
219
240
312
381
442
525
609
682
724
825
969
1,110
1,286
1,489
1,669
1,855
COGS
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
146
152
157
192
224
260
324
390
379
382
Gross Profit
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
312
381
442
525
464
530
567
633
745
850
961
1,100
1,291
1,473
Gross Profit Ratio
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
100.00%
100.00%
100.00%
100.00%
76.10%
77.67%
78.31%
76.69%
76.87%
76.55%
74.77%
73.84%
77.33%
79.39%
Operating Expenses
- -
(2)
(5)
(9)
60
163
105
132
88
99
106
100
90
95
129
120
162
119
141
172
121
132
124
158
214
266
206
242
734
213
R&D Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Selling, G&A Exp.
6
9
15
22
19
29
59
57
50
60
66
29
34
35
53
62
44
45
46
49
62
69
71
84
98
114
123
135
139
166
General and Admin. Exp.
5
8
14
19
10
21
59
57
50
60
66
12
10
7
36
27
28
30
26
26
31
34
34
38
48
56
56
65
70
100
Selling and Marketing Exp.
1
1
1
2
9
8
- -
- -
- -
- -
- -
17
24
29
17
35
17
15
20
24
31
35
37
46
49
58
68
70
70
65
Other Expenses
- -
(11)
(20)
(31)
41
134
46
75
38
39
39
71
56
60
76
58
118
74
95
122
59
63
53
75
116
152
83
107
595
47
COGS and Expenses
- -
(2)
(5)
(9)
60
163
105
132
88
99
106
100
90
95
129
120
162
119
141
172
266
284
281
351
438
526
531
631
1,112
595
Interest Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Interest Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
43
32
48
57
63
65
57
76
98
120
157
196
- -
- -
Depreciation and Amortization
0
0
1
1
1
3
4
5
4
5
5
9
6
5
5
4
5
5
11
10
12
13
13
14
15
16
20
22
24
26
EBITDA
11
20
32
46
65
4
41
(11)
40
53
53
52
94
118
95
89
156
267
312
364
419
476
491
565
644
720
931
1,075
573
1,287
EBITDA ratio
60.75%
65.00%
62.16%
60.81%
52.45%
2.35%
29.03%
(9.50)%
32.09%
36.01%
34.53%
35.78%
53.00%
58.61%
43.34%
36.92%
49.86%
70.08%
70.63%
69.25%
68.73%
69.84%
67.84%
68.42%
66.47%
64.90%
72.42%
72.16%
34.34%
69.38%
Operating Income
19
32
57
85
64
1
38
(16)
36
48
49
46
86
107
91
83
107
227
252
295
342
396
441
473
527
581
754
857
556
1,260
Operating Income ratio
100.00%
106.33%
110.04%
111.80%
51.32%
0.82%
26.44%
(13.49)%
29.08%
32.88%
31.48%
31.73%
48.80%
52.94%
41.33%
34.64%
34.29%
59.70%
56.99%
56.09%
56.20%
58.00%
61.00%
57.29%
54.40%
52.34%
58.66%
57.53%
33.29%
67.92%
Total Other Income Exp.(Gains)
(8)
(13)
(25)
(40)
0
(0)
(0)
(0)
(0)
(0)
- -
(3)
2
2
(0)
0
(0)
2
2
2
1
3
(20)
2
4
3
1
(1)
(6)
1
Income Before Tax
11
19
32
46
64
1
38
(16)
36
48
49
43
88
108
91
83
107
229
253
296
343
398
421
475
531
584
755
856
550
1,261
Income Before Tax ratio
59.68%
64.00%
61.00%
59.63%
51.35%
0.79%
26.36%
(13.55)%
29.08%
32.85%
31.48%
29.83%
49.73%
53.84%
41.33%
34.67%
34.28%
60.17%
57.33%
56.44%
56.32%
58.38%
58.18%
57.49%
54.81%
52.59%
58.73%
57.48%
32.92%
67.96%
Income Tax Expense (Gain)
3
7
11
16
22
(0)
13
(5)
12
19
19
15
31
40
32
30
40
83
83
108
123
145
155
175
198
114
181
200
129
303
Net Income
9
12
21
30
42
2
25
(11)
24
29
30
28
57
73
59
55
67
146
170
188
220
253
266
300
333
470
574
656
421
958
Net Income Ratio
46.24%
41.33%
39.77%
38.79%
33.49%
0.94%
17.54%
(9.21)%
19.11%
19.83%
19.24%
19.33%
32.44%
36.07%
26.74%
22.89%
21.52%
38.42%
38.47%
35.80%
36.06%
37.11%
36.79%
36.31%
34.34%
42.36%
44.64%
44.06%
25.22%
51.65%
EPS
0.24
0.30
0.50
0.70
0.89
0.03
0.54
(0.23)
0.54
0.69
0.70
0.67
1.48
1.96
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
60.65
EPS Diluted
0.24
0.29
0.49
0.68
0.89
0.03
0.53
(0.23)
0.53
0.68
0.68
0.65
1.40
1.85
1.66
1.76
2.16
4.62
5.67
7.07
8.58
10.54
11.92
14.28
16.31
24.04
29.39
34.57
23.47
60.52
Weighted Avg. Shares Outs.
36
41
41
42
47
46
46
46
44
42
42
42
39
37
33
30
30
31
29
26
25
24
22
21
20
19
19
19
18
16
Weighted Avg. Shares Outs. Dil.
36
43
42
44
47
47
47
46
44
43
43
43
41
39
35
31
31
32
30
27
26
24
22
21
20
20
20
19
18
16
Balance Sheet
Cash and Cash Equivalents
- -
- -
- -
- -
0
0
14
11
21
16
13
36
1
7
9
1
3
2
4
5
9
4
6
6
15
8
26
187
16
23
Short-Term Investments
9
2
2
3
6
10
10
12
1
0
0
- -
1
3
4
3
3
3
1
1
46
54
53
48
45
46
59
59
- -
62
Cash & Short-Term Investments
9
2
2
3
7
10
24
23
21
16
14
36
2
10
12
4
6
5
5
5
55
58
60
55
60
54
84
247
16
85
Net Receivables
- -
- -
- -
- -
15
20
14
28
8
6
4
8
9
4
12
21
1,018
- -
- -
- -
1,935
2,214
2,514
3,112
3,889
4,622
5,771
6,751
6,935
6,446
Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Other Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
685
- -
(938)
82
67
105
92
111
158
167
225
256
304
330
381
411
Total Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
709
- -
87
88
71
110
2,082
2,383
2,732
3,334
4,174
4,932
6,159
7,328
7,332
6,942
PP&E
1
7
9
10
15
21
21
18
18
20
20
19
20
18
16
20
21
19
16
18
22
22
21
19
18
21
40
60
59
57
Goodwill
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Goodwill and Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Investments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
18
4
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Other Non-Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1,031
1,070
1,256
1,630
29
28
33
37
26
33
38
35
97
52
Total Non-Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
16
- -
1,053
1,088
1,272
1,648
51
50
54
56
45
54
78
95
157
109
Other Assets
128
203
426
686
1,074
1,116
752
660
671
861
842
944
591
619
- -
942
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
463
Total Assets
128
203
426
686
1,074
1,116
752
660
671
861
842
944
591
619
725
942
1,139
1,176
1,344
1,759
2,133
2,433
2,785
3,389
4,218
4,986
6,237
7,423
7,489
7,051
Accounts Payable
- -
- -
- -
- -
33
27
26
34
- -
34
22
33
65
- -
- -
- -
84
77
- -
- -
106
114
114
128
144
152
186
206
187
175
Short-Term Debt
- -
- -
- -
- -
20
- -
- -
- -
- -
- -
44
- -
8
36
38
369
435
111
55
52
150
362
354
490
750
800
1,049
1,529
97
3
Tax Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
6
- -
- -
- -
- -
- -
1
- -
- -
1
6
20
3
- -
24
40
3
0
0
0
Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Other Current Liabilities
- -
- -
- -
- -
648
661
310
241
340
409
388
448
32
100
123
(189)
(373)
(13)
157
88
(100)
(236)
(232)
(432)
(726)
(746)
(874)
(1,528)
0
0
Total Current Liabilities
- -
- -
- -
- -
701
688
336
275
340
444
454
481
105
136
161
181
146
175
212
140
156
240
237
186
168
206
361
207
284
178
Long-Term Debt
- -
5
80
96
285
388
215
151
149
203
108
105
184
138
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
Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Deferred Tax Liabilities
- -
- -
- -
- -
9
15
11
10
11
11
12
23
32
44
44
65
75
94
108
123
148
157
213
249
273
187
237
323
391
435
Other Non-Current Liabilities
- -
- -
- -
- -
(166)
(224)
(87)
(39)
(91)
(84)
(55)
(23)
(30)
(71)
(83)
(101)
- -
- -
- -
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Non-Current Liabilities
- -
5
80
96
127
179
140
122
69
129
64
105
186
111
354
496
655
503
657
1,079
1,356
1,443
1,846
2,276
2,877
3,244
3,886
4,861
4,903
5,049
Other Liabilities
86
153
430
583
- -
358
- -
- -
137
- -
- -
211
372
- -
- -
992
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Capital Lease Obligations
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
2
1
10
9
2
2
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Liabilities
86
148
350
487
828
867
476
397
409
573
518
586
290
246
515
677
802
678
869
1,219
1,511
1,683
2,083
2,461
3,044
3,450
4,247
5,068
5,187
5,227
Preferred Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Common Stock
- -
- -
- -
- -
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Retained Earnings
12
25
45
75
116
118
143
132
156
185
215
227
272
345
209
261
328
474
443
501
568
687
613
827
1,042
1,390
1,836
2,197
2,139
1,627
Other Compreh. Income(Loss)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
5
3
(0)
(0)
0
(3)
(1)
(0)
0
(0)
(0)
(0)
(0)
(0)
(0)
(0)
1
2
0
Other Total Stockhold. Equity
30
30
30
124
129
131
133
130
106
103
107
125
26
28
1
4
12
24
31
39
53
63
89
101
132
146
155
158
162
197
Total Stockholders Equity
42
55
76
199
246
249
276
263
262
288
324
358
301
373
210
265
338
498
474
540
622
750
702
928
1,174
1,536
1,991
2,355
2,303
1,824
Total Liab.&Stockhold. Equity
128
203
426
686
1,074
1,116
752
660
671
861
842
944
591
619
725
942
1,139
1,176
1,344
1,759
2,133
2,433
2,785
3,389
4,218
4,986
6,237
7,423
7,489
7,051
Minority Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Liabilities & Equity
128
203
426
686
1,074
1,116
752
660
671
861
842
944
591
619
725
942
1,139
1,176
1,344
1,759
2,133
2,433
2,785
3,389
4,218
4,986
6,237
7,423
7,489
7,051
Cash Flow Statement
Net Income
9
12
21
30
42
2
25
(11)
24
29
30
28
57
73
59
55
67
146
170
188
220
253
266
300
333
470
574
656
421
958
Depreciation and Amortization
0
0
1
1
1
3
4
5
4
5
5
9
6
5
5
4
5
5
11
10
12
13
13
14
15
16
20
22
24
26
Deferred Income Tax
1
1
1
3
1
6
(4)
(1)
1
(0)
1
13
13
12
1
20
12
18
14
15
25
9
56
36
24
(86)
49
86
68
45
Stock Based Compensation
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
4
7
4
2
12
9
15
12
7
15
10
8
6
25
Change in Working Capital
5
2
12
16
16
(31)
16
(10)
13
12
(9)
(13)
1
13
11
(6)
21
(11)
(10)
31
16
20
(20)
1
37
20
(6)
(37)
(98)
7
Accounts Receivable
(0)
(0)
(2)
(1)
(0)
(22)
14
(13)
12
0
1
(8)
1
0
(3)
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Accounts Payable
3
2
9
9
16
(9)
3
3
1
17
(10)
1
12
7
23
1
- -
- -
(1)
21
10
8
1
13
12
10
42
17
(18)
(11)
Other Working Capital
- -
- -
- -
- -
(11)
28
(16)
9
(12)
(17)
10
(2)
(24)
(2)
(8)
1
(1)
(5)
(8)
(2)
1
(2)
(4)
(1)
(6)
(7)
(4)
6
2
- -
Other Non-Cash Items
(1)
0
(3)
(1)
13
86
14
53
18
23
33
27
7
2
11
25
46
(12)
11
29
24
22
35
42
90
129
57
78
564
8
Cash Provided by Operating Activities
13
17
32
48
73
65
56
36
59
69
60
64
84
105
86
98
155
153
201
276
309
326
365
404
507
566
704
812
985
1,069
CAPEX
(0)
(7)
(3)
(2)
(6)
(9)
(4)
(5)
(4)
(6)
(6)
(3)
(4)
(3)
(2)
(8)
(6)
(3)
(3)
(6)
(9)
(6)
(4)
(4)
(6)
(8)
(25)
(27)
(9)
(8)
Acquisitions Net
- -
- -
- -
- -
- -
- -
- -
16
- -
- -
- -
- -
- -
- -
- -
- -
(59)
(44)
(44)
(85)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Purchases of Investments
(9)
- -
- -
(1)
(4)
(4)
(0)
(1)
- -
- -
- -
- -
(1)
(3)
(32)
(168)
(282)
(105)
(101)
(123)
(57)
(106)
(65)
(34)
(39)
(35)
(44)
(40)
(43)
(39)
Sales/Maturities of Investments
- -
7
1
- -
0
- -
- -
- -
0
- -
337
349
398
476
552
577
611
663
790
998
12
98
66
39
42
33
31
41
38
41
Other Investing Activities
45
85
131
186
278
367
132
14
(30)
(111)
(304)
(384)
(458)
(520)
(626)
(641)
(531)
(536)
(804)
(1,238)
(347)
(320)
(359)
(640)
(933)
(893)
(1,201)
(998)
(660)
443
Cash Used for Investing Activities
36
84
129
183
269
355
128
24
(33)
(117)
27
(38)
(64)
(50)
(108)
(240)
(266)
(25)
(163)
(454)
(401)
(334)
(363)
(640)
(936)
(903)
(1,238)
(1,024)
(674)
437
Debt Repayment
(3)
(107)
(0)
(0)
(7)
(20)
(173)
(163)
(117)
(219)
(169)
(103)
(521)
(418)
(849)
(1,114)
(1,306)
(1,163)
(1,491)
(3,343)
(3,996)
(3,680)
(4,491)
(2,820)
(3,249)
(5,421)
(4,209)
(6,316)
(8,109)
(3,385)
Common Stock Issued
- -
0
1
3
2
3
1
0
0
2
4
2
5
0
12
3
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Common Stock Repurchased
- -
- -
- -
- -
- -
- -
- -
(2)
(19)
(3)
(7)
(5)
(107)
- -
(247)
(10)
(0)
(1)
(202)
(131)
(153)
(135)
(344)
(87)
(122)
(124)
(129)
(300)
(481)
(1,472)
Dividends Paid
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Other Financing Activities
(43)
5
(164)
(235)
(340)
(400)
(0)
103
115
264
76
100
606
371
1,107
1,256
1,419
1,034
1,658
3,653
4,246
3,818
4,835
3,142
3,807
5,875
4,938
7,017
8,157
3,388
Cash Used/Provided by Financing Activities
(46)
(102)
(164)
(232)
(345)
(417)
(171)
(61)
(21)
45
(96)
(7)
(18)
(47)
23
135
113
(129)
(36)
179
97
3
0
235
437
330
600
400
(433)
(1,469)
Effect of Forex Changes on Cash
- -
- -
- -
(0)
4
(2)
1
(2)
(6)
(2)
8
4
(2)
(1)
0
(0)
0
(0)
(0)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Change In Cash
- -
- -
- -
- -
0
0
13
(3)
(1)
(6)
(2)
23
(1)
6
1
(8)
2
(1)
2
1
4
(5)
2
(0)
8
(6)
66
188
(122)
38
Cash at the End of Period
- -
- -
- -
- -
0
0
14
11
21
16
13
36
1
7
9
1
3
2
4
5
9
4
6
6
15
8
329
518
396
434
Cash at the Beginning of Period
- -
4
2
0
0
0
0
14
22
21
16
13
1
1
7
9
1
3
2
4
5
9
4
6
6
15
264
329
518
396
Free Cash Flow
13
10
30
46
67
56
52
31
55
63
53
61
80
102
85
90
149
150
197
269
300
320
361
400
502
558
679
786
977
1,062
Forex Rate
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -