Credit Acceptance Corporation Financial Ratios — CACC Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	29.46	32.49	32.82	29.99	32.11	32.1	35.19	33.02	29.44	18.18	50.89	35.62	20.03	17.15	33.46
Return on Assets (%)	12.12	11.29	11.08	10.2	9.73	8.77	10.22	10.23	9.61	5.65	13.18	7.68	3.94	3.01	4.85
Return on Capital (%)	14.28	14.28	14.07	11.99	11.86	10.43	12.45	12.68	12.06	6.06	14.64	8.77	4.57	3.46	5.56
Return on Invested Capital (%)	13.71	14	13.68	12.87	11.53	9.38	11.06	11.24	10.6	6.33	14.19	8.35	4.12	3.23	5.77
Gross Margin (%)	71.23	70.35	71.56	72.73	72.61	74.08	74.44	72.62	71.64	74.99	77.25	73.94	67.16	62.41	61.9
EBITDA Margin (%)	58.2	58.27	60.13	62.94	59.13	56.21	53.96	60.06	58.84	34.63	69.27	39.93	19.89	16.53	28.26
Operating Margin (%)	56.29	56.27	58.18	61.11	57.41	54.62	52.47	58.54	57.33	33.2	67.85	38.52	18.48	15.23	27.09
Incremental Operating Margin (%)	51.51	56.17	74.72	107.19	31.1	38.42	37.89	97.4	49.55	-158.93	378.57	1,983.87	-625	-8.72	191.93
Pretax Margin (%)	56.63	56.38	58.65	58.3	57.61	55.04	52.73	58.99	57.85	33	68.12	39.04	19.56	15.44	24.71
Profit Margin (%)	35.92	36.11	37.28	36.87	36.39	34.48	42.47	44.84	44.35	25.28	51.77	29.39	15.22	11.62	18.53
Net Income to Common Margin (%)	35.92	36.11	37.28	36.87	36.39	34.48	42.47	44.84	44.35	25.28	51.77	29.39	15.22	11.62	18.53
Effective Tax Rate (%)	36.57	35.97	36.44	36.75	36.84	37.35	19.46	23.98	23.34	23.38	24	24.72	22.17	24.76	25.03
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	29.46	32.49	32.82	29.99	32.11	32.1	35.19	33.02	29.44	18.18	50.89	35.62	20.03	17.15	33.46

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	1,042	1,251	1,392	1,872	2,126	3,353	3,085	4,371	4,549	4,704	4,619	4,591	5,068	6,353	6,354
ST Debt	44	4	4	120	58	750	14	550	11	96	3	- -	- -	- -	- -
LT Debt	998	1,247	1,389	1,752	2,068	2,604	3,071	3,821	4,538	4,609	4,616	4,591	5,068	6,353	6,354
Total Debt/EBITDA	3.42	3.53	3.41	4.12	4.36	6.18	5.16	5.69	5.23	8.16	3.6	6.31	13.55	18	9.83
Net Debt/EBITDA	3.4	3.5	3.4	4.11	4.35	6.15	5.15	5.65	5.01	8.13	3.58	6.3	13.52	17.03	9.79
Total Debt/EBIT	3.54	3.65	3.53	4.24	4.5	6.36	5.31	5.83	5.36	8.51	3.68	6.54	14.59	19.54	10.25
Net Debt/EBIT	3.52	3.63	3.51	4.23	4.48	6.33	5.3	5.8	5.14	8.48	3.66	6.53	14.55	18.48	10.21
EBITDA to Interest Expense	5.32	5.59	6.28	8.01	6.41	5.55	4.97	4.91	4.44	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	5.21	5.45	6.19	7.94	6.36	5.5	4.9	4.75	4.3	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	5.15	5.4	6.08	7.78	6.22	5.4	4.83	4.78	4.32	- -	- -	- -	- -	- -	- -
Interest Expense	57	63	65	57	76	98	120	157	196	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	35.91	33.79	33.77	34.22	27.08	27.51	30.34	31.5	33.58	28.56	23.07	20	19.39	15.98	12.97
Long-Term Debt/Equity (%)	184.8	200.48	185.12	249.57	222.8	221.84	199.95	191.92	192.67	200.16	253.06	282.68	288.96	363.11	417.03
Long-Term Debt/Capital (%)	59.63	63.24	62.72	62.03	68.05	57.69	66.8	60.31	64.44	67.34	73.91	76.87	77.45	81.79	85.02
Long-Term Debt/Total Assets (%)	56.74	58.45	57.06	62.92	61.31	61.73	61.59	61.26	61.13	61.54	65.47	66.49	66.59	71.75	73.61
Total Debt/Equity (%)	192.93	201.13	185.63	266.59	229.02	285.7	200.85	219.54	193.15	204.32	253.2	282.68	288.96	363.11	417.03
Total Debt/Capital (%)	62.26	63.44	62.89	66.26	69.95	74.29	67.1	68.99	64.61	68.74	73.95	76.87	77.45	81.79	85.02
Total Debt/Total Assets (%)	59.24	58.63	57.22	67.21	63.02	79.5	61.87	70.08	61.28	62.82	65.51	66.49	66.59	71.75	73.61
Net Debt to Equity	192.06	199.68	185.07	265.68	228.34	284.46	200.32	218.25	185.2	203.63	251.92	282.2	288.21	343.46	415.54
Net Debt/Capital (%)	62.15	63.27	62.82	66.18	69.88	74.21	67.04	68.87	63.64	68.67	73.86	76.84	77.4	80.94	84.98
EBITDA	305	355	408	454	487	542	597	769	870	577	1,282	728	374	353	646
EBITDA-CapEx	298	346	403	450	483	537	589	744	844	568	1,274	725	370	351	645
Operating Income (Loss)	295	342	395	441	473	527	581	749	848	553	1,256	702	347	325	620

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	0.06	0.47	0.42	0.51	0.43	0.36	0.28	0.45	1.19	0.09	0.13	0.03	0.03	0.79	0.06
Current Ratio	17.56	17.83	17.24	22.87	25.73	24.66	25.51	32.3	35.21	39.23	39.28	25.55	18.6	20.11	21.21
Quick Ratio	16.49	17.14	16.52	21.94	24.77	23.57	24.41	31	33.87	37.19	36.92	23.98	17.44	18.93	19.99
CFO/Avg Current Liab	3.19	2.89	2.57	2.87	3.3	3.44	3.15	3.7	4.11	5.01	5.91	5.65	3.63	2.73	2.53
Common Equity/Total Assets	35.91	33.79	33.77	34.22	27.08	27.51	30.34	31.5	33.58	28.56	23.07	20	19.39	15.98	12.97
Long-Term Debt/Equity (%)	184.8	200.48	185.12	249.57	222.8	221.84	199.95	191.92	192.67	200.16	253.06	282.68	288.96	363.11	417.03
Long-Term Debt/Capital (%)	59.63	63.24	62.72	62.03	68.05	57.69	66.8	60.31	64.44	67.34	73.91	76.87	77.45	81.79	85.02
Long-Term Debt/Total Assets (%)	56.74	58.45	57.06	62.92	61.31	61.73	61.59	61.26	61.13	61.54	65.47	66.49	66.59	71.75	73.61
Total Debt/Equity (%)	192.93	201.13	185.63	266.59	229.02	285.7	200.85	219.54	193.15	204.32	253.2	282.68	288.96	363.11	417.03
Total Debt/Capital (%)	62.26	63.44	62.89	66.26	69.95	74.29	67.1	68.99	64.61	68.74	73.95	76.87	77.45	81.79	85.02
Total Debt/Total Assets (%)	59.24	58.63	57.22	67.21	63.02	79.5	61.87	70.08	61.28	62.82	65.51	66.49	66.59	71.75	73.61
CFO/Total Liabilities	22.62	20.42	19.35	17.53	16.54	16.66	16.41	16.58	16.03	19	20.46	23.46	20.55	16.02	14.84
CFO/CapEx	43.76	35.07	58.16	84.93	101.05	92.22	67.38	28.04	30.31	115.91	140.71	399.58	300.95	632.17	659.12
Altman's Z-Score	3.52	3.41	3.49	3.24	3.31	3.03	3.26	3.23	3.18	2.73	3.58	2.73	2.49	2.2	2.24

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	0.65	0.34	0.33	0.31	0.29	0.28	0.26	0.25	0.24	0.5	- -	- -	- -	- -	- -
Days Sales Outstanding	557.4	1,059.34	1,114.6	1,194.52	1,244.08	1,321.31	1,402.08	1,480.37	1,535.66	732.67	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	1.76	1.79	1.76	1.73	1.86	1.84	1.91	2.07	2.14	2.12	2.33	2.18	2.13	2.53	2.43
Accounts Payable Turnover Days	207.34	203.95	207.55	211.51	195.93	198.18	190.63	176.09	170.84	172.29	156.76	167.44	171.33	144.37	149.9
Cash Conversion Cycle	350.06	855.39	907.05	983	1,048.16	1,123.13	1,211.45	1,304.28	1,364.81	560.39	-156.76	-167.44	-171.33	-144.37	-149.9
Inventory to Cash Days	557.4	1,059.34	1,114.6	1,194.52	1,244.08	1,321.31	1,402.08	1,480.37	1,535.66	732.67	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	2,164	2,584	3,100	3,036	4,471	4,422	6,307	7,424	8,360	6,182	11,062	6,435	6,901	5,785	5,078
- Cash & Cash Equivalents	5	9	4	6	6	15	8	26	187	16	23	8	13	344	23
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	1,042	1,251	1,392	1,872	2,126	3,353	3,085	4,371	4,549	4,704	4,619	4,591	5,068	6,353	6,354
Enterprise Value	3,200	3,779	4,435	4,848	6,542	7,716	9,338	11,710	12,663	10,870	15,657	11,018	11,955	11,794	11,409
Total Capital	1,673	1,972	2,214	2,825	3,039	4,514	4,597	6,335	7,042	6,844	6,246	5,972	6,543	7,768	7,473
Total Debt/Capital (%)	62.26	63.44	62.89	66.26	69.95	74.29	67.1	68.99	64.61	68.74	73.95	76.87	77.45	81.79	85.02
Total Debt / EV	0.33	0.33	0.31	0.39	0.32	0.43	0.33	0.37	0.36	0.43	0.29	0.42	0.42	0.54	0.56
EV/Sales	6.11	6.21	6.53	6.72	7.94	7.99	8.43	9.15	8.56	6.53	8.46	6.04	6.36	5.53	4.99
EV/EBITDA	10.51	10.66	10.86	10.67	13.43	14.22	15.63	15.23	14.55	18.85	12.21	15.14	31.97	33.42	17.65
EV/EBIT	10.86	11.04	11.23	10.99	13.84	14.64	16.07	15.63	14.93	19.66	12.47	15.69	34.42	36.28	18.41
EV/Cash Flow to Firm	10.26	10.82	12.08	12.09	14.47	13.57	14.09	14.23	13.15	11.03	14.64	8.89	9.93	10.37	10.82
EV/Free Cash Flow to Firm	10.05	10.56	11.9	11.96	14.34	13.44	13.91	13.81	12.8	10.94	14.54	8.87	9.9	10.35	10.8
Diluted Market Cap	2,189	2,603	3,121	3,046	4,490	4,439	6,327	7,457	8,394	6,208	11,072	6,464	6,931	5,854	5,167
Diluted Enterprise Value	3,226	3,845	4,509	4,912	6,610	7,778	9,403	11,802	12,756	10,897	15,668	11,047	11,986	11,863	11,498
EV per Share	121.68	148.74	185.95	217.84	313.15	379.49	478.9	602.2	669.98	608.67	973.37	812.28	922.92	957.09	996.32
TTM Sales	523	608	679	722	824	965	1,107	1,280	1,479	1,665	1,851	1,823	1,880	2,134	2,288
TTM EBITDA	305	355	408	454	487	542	597	769	870	577	1,282	728	374	353	646
TTM Operating Income	295	342	395	441	473	527	581	749	848	553	1,256	702	347	325	620
TTM Cash Flow to Firm	312	349	367	401	452	568	663	823	963	985	1,069	1,239	1,204	1,138	1,055
TTM Free Cash Flow to Firm	318	358	373	405	456	574	671	848	989	994	1,077	1,242	1,208	1,140	1,056

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	7.76	8.2	9.42	8.24	11	8.66	11.01	10.23	10	6.25	10.28	5.21	5.74	5.14	4.89
EV/EBIT	10.86	11.04	11.23	10.99	13.84	14.64	16.07	15.63	14.93	19.66	12.47	15.69	34.42	36.28	18.41
Enterprise Value	3,200	3,779	4,435	4,848	6,542	7,716	9,338	11,710	12,663	10,870	15,657	11,018	11,955	11,794	11,409
Low Price	53.04	76.95	95.71	110.98	129.82	160.63	182.5	297.63	373.06	199	320.19	397.58	358	409.22	401.9
EV/Sales	6.11	6.21	6.53	6.72	7.94	7.99	8.43	9.15	8.56	6.53	8.46	6.04	6.36	5.53	4.99
EV/EBITDA	10.51	10.66	10.86	10.67	13.43	14.22	15.63	15.23	14.55	18.85	12.21	15.14	31.97	33.42	17.65
Price/Earnings	11.51	11.76	12.25	11.41	14.92	13.29	13.41	12.93	12.74	14.68	11.54	12.01	24.12	23.34	11.98
Price/Earnings Average	10.18	10.54	10.63	11.12	14.21	11.66	10.17	12.69	13.1	15.89	8.26	13.18	21.1	24.99	13.15
Price/Earnings High	13.03	12.39	12.46	13.72	19.38	13.66	14.02	15.83	14.69	22.86	11.8	17.7	26.08	30.65	15.13
Price/Earnings Low	7.42	8.9	9.02	9.28	9.05	9.81	7.57	10.08	10.75	8.44	5.37	10.06	16.21	20.34	10.86
Price/Book Value	3.43	3.58	3.77	3.18	4.9	3.81	4.17	3.78	3.35	2.89	6.8	4.66	4.68	4.09	4.54
Price/Book Value Average	3.03	3.21	3.27	3.1	4.66	3.34	3.16	3.71	3.45	3.13	4.87	5.11	4.09	4.38	4.98
Price/Book Value High	3.88	3.78	3.84	3.83	6.36	3.92	4.36	4.63	3.87	4.5	6.95	6.87	5.06	5.37	5.73
Price/Book Value Low	2.21	2.71	2.78	2.59	2.97	2.81	2.35	2.95	2.83	1.66	3.17	3.9	3.14	3.56	4.11
Price/Tangible Book Value	4.01	4.15	4.13	4.32	4.82	3.77	4.11	3.73	3.55	2.68	6.06	3.96	3.93	3.31	3.33
Price/Tangible Book Value Average	3.54	3.72	3.59	4.21	4.59	3.31	3.11	3.66	3.65	2.91	4.34	4.35	3.44	3.54	3.66
Price/Tangible Book Value High	4.53	4.38	4.2	5.2	6.26	3.87	4.29	4.56	4.09	4.18	6.2	5.84	4.25	4.34	4.21
Price/Tangible Book Value Low	2.58	3.14	3.04	3.52	2.92	2.78	2.32	2.91	2.99	1.54	2.82	3.32	2.64	2.88	3.02
Price/Sales	4.13	4.25	4.57	4.21	5.43	4.58	5.7	5.8	5.65	3.71	5.98	3.53	3.67	2.71	2.22
Price/Sales Average	3.66	3.8	3.96	4.1	5.17	4.02	4.32	5.69	5.81	4.02	4.28	3.87	3.21	2.9	2.44
Price/Sales High	4.68	4.47	4.64	5.06	7.05	4.71	5.95	7.1	6.52	5.78	6.11	5.2	3.97	3.56	2.8
Price/Sales Low	2.67	3.21	3.36	3.42	3.29	3.38	3.21	4.52	4.77	2.13	2.78	2.96	2.47	2.36	2.01
Price/Cash Flow	7.85	8.37	9.52	8.31	11.06	8.72	11.14	10.55	10.29	6.27	10.34	5.19	5.73	5.08	4.82
Price/Cash Flow Average	6.94	7.5	8.26	8.1	10.53	7.65	8.45	10.34	10.58	6.79	7.4	5.7	5.01	5.44	5.29
Price/Cash Flow High	8.88	8.82	9.68	10	14.37	8.96	11.65	12.91	11.87	9.77	10.58	7.65	6.2	6.68	6.08
Price/Cash Flow Low	5.06	6.34	7.01	6.76	6.71	6.44	6.29	8.22	8.68	3.61	4.82	4.35	3.85	4.43	4.36
Price/Free Cash Flow Average	6.86	7.35	8.17	8.04	10.48	7.6	8.35	10.03	10.29	6.76	7.36	5.71	5.02	5.5	5.37
Price/Free Cash Flow High	8.78	8.64	9.58	9.91	14.29	8.9	11.51	12.52	11.53	9.73	10.51	7.67	6.21	6.75	6.18
Price/Free Cash Flow Low	5	6.21	6.94	6.71	6.67	6.39	6.21	7.97	8.44	3.59	4.79	4.36	3.86	4.48	4.43
EV/Sales Average	5.64	5.84	6.01	6.68	7.74	7.48	7.1	9.08	8.76	6.83	6.76	6.39	5.9	5.72	5.2
EV/Sales High	6.66	6.51	6.69	7.64	9.62	8.17	8.73	10.49	9.46	8.6	8.59	7.72	6.66	6.38	5.57
EV/Sales Low	4.65	5.25	5.41	6.01	5.87	6.84	5.99	7.92	7.71	4.95	5.27	5.47	5.16	5.18	4.78
EV/EBITDA Average	9.69	10.03	9.99	10.62	13.09	13.31	13.16	15.12	14.89	19.73	9.76	16	29.66	34.58	18.42
EV/EBITDA High	11.44	11.18	11.12	12.14	16.28	14.53	16.19	17.47	16.08	24.83	12.41	19.32	33.47	38.56	19.71
EV/EBITDA Low	7.98	9.02	8.99	9.54	9.92	12.17	11.11	13.18	13.11	14.29	7.6	13.7	25.92	31.32	16.91
EV/EBIT Average	10.02	10.39	10.32	10.94	13.49	13.69	13.53	15.52	15.28	20.58	9.96	16.58	31.93	37.54	19.21
EV/EBIT High	11.83	11.57	11.5	12.5	16.77	14.95	16.64	17.93	16.51	25.89	12.67	20.03	36.04	41.86	20.56
EV/EBIT Low	8.26	9.34	9.29	9.83	10.22	12.53	11.42	13.52	13.46	14.91	7.76	14.2	27.91	34	17.64
Last Price	82.28	101.68	129.99	136.41	214.02	217.51	323.48	381.76	442.33	346.14	687.68	474.4	532.73	469.46	443.46
High Price	93.1	107.09	132.2	164.05	277.98	223.57	338.12	467.26	509.99	539	703.26	699.08	576.05	616.66	560
Enterprise Value Average	2,951	3,556	4,078	4,825	6,377	7,218	7,859	11,626	12,959	11,378	12,511	11,644	11,090	12,204	11,907
Enterprise Value High	3,486	3,963	4,541	5,517	7,927	7,884	9,669	13,431	14,001	14,314	15,908	14,065	12,516	13,608	12,744
Enterprise Value Low	2,432	3,197	3,671	4,336	4,831	6,605	6,635	10,133	11,413	8,242	9,746	9,976	9,692	11,052	10,933

Shares Outstanding	26	24	23	21	20	20	19	19	18	17	14	13	13	12	11
Diluted Weighted Avg Shares	27	26	24	22	21	20	20	20	19	18	16	14	13	12	12
Basic Weighted Avg Shares	26	25	24	22	21	20	19	19	19	18	16	14	13	12	11
Revenue per Share	19.9	23.95	28.46	32.44	39.42	47.47	56.79	65.82	78.27	93.24	115.06	134.4	145.12	173.19	199.79
EBITDA per Share	11.58	13.96	17.11	20.42	23.31	26.68	30.64	39.53	46.06	32.29	79.7	53.66	28.86	28.64	56.46
Operating Income per Share	11.2	13.48	16.56	19.82	22.63	25.93	29.8	38.53	44.87	30.95	78.07	51.78	26.81	26.38	54.13
Basic EPS, GAAP	7.15	8.65	10.61	11.96	14.35	16.37	24.12	29.52	34.71	23.57	59.57	39.5	22.09	20.12	37.02
Basic EPS from Cont Ops	7.15	8.65	10.61	11.96	14.35	16.37	24.12	29.52	34.71	23.57	59.57	39.5	22.09	20.12	37.02
Diluted EPS, GAAP	7.07	8.58	10.54	11.92	14.28	16.31	24.04	29.39	34.57	23.47	59.52	39.32	21.99	19.88	36.38
Diluted EPS from Cont Ops	7.07	8.58	10.54	11.92	14.28	16.31	24.04	29.39	34.57	23.47	59.52	39.32	21.99	19.88	36.38
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	10.48	12.14	13.66	16.41	19.35	24.95	29.03	36.2	42.98	55.17	66.48	91.32	92.93	92.34	92.09
Free Cash Flow per Basic Share	10.24	11.8	13.42	16.22	19.16	24.68	28.6	34.91	41.56	54.69	66.01	91.09	92.62	92.19	91.95
Cash & Equivalents per Share	0.21	2.17	2.42	2.68	2.61	2.95	2.78	4.34	13.05	0.9	1.45	0.57	1.02	27.89	1.99
Book Value per Share	24.01	28.37	34.45	42.83	43.72	57.06	77.57	101.02	131.87	119.77	101.13	101.83	113.92	114.81	97.74
Tangible Book Value per Share	20.53	24.47	31.45	31.55	44.42	57.73	78.77	102.38	124.62	128.93	113.4	119.73	135.39	141.98	133.05

Credit Acceptance Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)