10 Year Financial Data of Credit Acceptance Corporation (CACC)

109.91 (1y: +29%)

Market Cap	2.57 B	P/E(ttm)	12.00
Enterprise Value	3.88 B	P/B	4.30

CACC- NAS (USA)
Credit Acceptance Corporation

Currently 4.5/5

Business Predictability Rank: 4.5-Star
Back Testing Results:
Average gain of all 4.5-Star stocks: 10.6% per year.
% of Stocks that are in still loss if held for 10yrs: 10%.
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$109.91

1 Medium Warning Sign 2 Good Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	24.2	24.9	21.4
EBITDA Growth (%)	28.8	36.3	21
Free Cash Flow Growth (%)	25.7	29	14.1
Book Value Growth (%)	14.6	20.5	17.4

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	3.36	4.31	5.13	6.22	7.70	10.04	12.02	14.75	19.74	23.80	25.12	5.42	5.84	6.24	6.30	6.74
EBITDA per Share	1.27	2.24	2.85	2.70	2.80	3.61	7.39	8.82	11.52	13.60	14.58	3.05	3.48	3.41	3.67	4.02
Free Cashflow per Share	1.41	1.96	2.60	2.40	2.90	4.79	4.73	6.58	10.12	11.71	11.72	3.25	2.32	2.64	3.50	3.26
Earnings per Share ($)	0.65	1.40	1.85	1.66	1.76	2.16	4.62	5.67	7.07	8.58	9.15	1.92	2.18	2.12	2.37	2.48
Book Value per Share	8.24	7.34	9.51	5.96	8.52	10.86	15.73	15.82	20.30	24.29	25.57	21.78	20.80	23.95	24.60	25.57
Month End Stock Price	15.30	25.45	16.10	33.33	20.67	13.70	42.10	62.77	82.28	102	122	101	84.43	85.51	102	122
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	7.90	19.10	19.50	27.90	20.70	19.90	29.40	35.80	34.80	35.30	38.80	35.20	42.00	35.60	38.40	38.80
Return on Assets %	3.00	9.70	11.70	8.10	5.80	5.90	12.40	12.70	10.70	10.30	10.80	10.40	11.20	10.00	11.20	10.80
Return on Capital - Joel Greenblatt %	--	452	977	1,181	428	647	959	3,358	1,086	3,899	1,149	518	--	367	4,149	1,149
Debt to Equity	0.30	0.64	0.39	1.86	2.01	1.88	1.01	0.81	0.74	0.64	2.17	0.92	0.68	0.79	0.64	2.17

Gross Margin %	--	--	--	--	--	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00
Operating Margin %	31.70	48.80	52.90	41.30	34.60	34.30	60.20	57.30	56.40	56.30	57.70	55.40	58.70	53.90	57.30	57.70
Net Margin %	19.30	32.40	36.10	26.70	22.90	21.50	38.40	38.50	35.80	36.10	36.80	35.30	37.20	34.00	37.60	36.80

Days Sales Outstanding	20.60	19.50	7.30	19.50	31.50	1,190	--	--	--	--	--	--	--	--	--	--

Debt to Revenue	0.73	1.10	0.73	1.79	2.22	2.04	1.32	0.87	0.76	0.65	8.23	3.71	2.42	3.02	2.50	8.23
Interest Exp. to Revenue %	-5.53	-6.60	-6.90	-10.64	-15.28	-13.83	-8.51	-10.80	-10.90	-10.41	-9.72	-10.68	-10.31	-10.46	-10.20	-9.72

Asset Turnover	0.15	0.30	0.33	0.30	0.26	0.27	0.32	0.33	0.30	0.29	0.07	0.07	0.08	0.07	0.08	0.07
Buyback Ratio	-7.20	-8.80	-0.30	-20.60	-4.70	--	--	--	--	--	--	--	--	--	--	--
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue	146	177	201	219	240	312	381	442	525	609	631	142	152	156	159	165
Gross Profit	--	--	--	--	--	312	381	442	525	609	631	142	152	156	159	165

Selling, General, &Admin. Expense	28.53	34.11	35.11	53.11	44.71	116	131	131	143	179	183	43.12	44.29	45.77	45.53	47.80
Earnings Before DDA	54.94	92.01	112	95.27	87.22	112	234	265	306	348	366	80.06	90.38	85.07	92.69	98.30

Depreciation, Depletion and Amortization	8.68	5.78	5.21	4.62	4.11	5.34	5.14	11.08	10.05	5.10	7.06	1.24	1.25	1.20	1.41	3.20

Operating Income	46.26	86.23	107	90.65	83.11	107	229	253	296	343	359	78.83	89.13	83.86	91.28	95.10
Interest Income/Expense	-8.06	-11.66	-13.89	-23.33	-36.67	-43.19	-32.40	-47.75	-57.24	-63.40	-64.19	-15.21	-15.65	-16.29	-16.25	-16.00
Net Income	28.18	57.33	72.60	58.64	54.92	67.18	146	170	188	220	230	50.34	56.51	52.99	59.86	60.60

Earnings per Share ($)	0.65	1.40	1.85	1.66	1.76	2.16	4.62	5.67	7.07	8.58	9.15	1.92	2.18	2.12	2.37	2.48
Total Shares Outstanding	43.41	41.02	39.21	35.28	31.15	31.11	31.67	29.99	26.60	25.60	24.43	26.28	25.98	24.96	25.28	24.43
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	36.04	0.61	7.09	8.53	0.71	6.50	5.29	4.60	5.47	55.10	55.30	5.51	6.04	5.73	55.10	55.30
Accounts Receivable	8.24	9.44	4.02	11.73	20.71	1,018	--	--	--	--	--	--	--	--	--	--
Other Current Assets	-44.29	-10.06	-11.11	-20.26	-21.42	-938	82.46	66.54	105	92.40	116	160	128	168	92.40	116
Total Current Assets	--	--	--	--	--	86.83	87.75	71.13	110	148	172	166	134	173	148	172

Property, Plant and Equipment	18.50	19.71	17.99	16.20	20.12	21.05	18.74	16.31	18.47	22.20	22.00	21.17	21.98	21.86	22.20	22.00
Other Long Term Assets	925	572	601	709	922	1,031	1,070	1,256	1,630	1,964	2,055	1,768	1,847	1,908	1,964	2,055
Total Assets	944	591	619	725	942	1,139	1,176	1,344	1,759	2,133	2,248	1,955	2,003	2,103	2,133	2,248

Accounts Payable	33.12	65.06	55.71	78.29	79.83	84.83	77.30	75.30	95.86	106	105	120	190	98.13	106	105
Current Portion of Long-Term Debt	--	--	--	--	--	61.30	97.30	137	43.90	43.50	116	174	13.10	116	43.50	116
Other Current Liabilities	-33.12	-65.06	-55.71	-78.29	-79.83	--	--	0.00	--	0.00	-0.00	-0.00	--	0.00	0.00	-0.00
Total Current Liabilities	--	--	--	--	--	146	175	212	140	149	221	294	203	214	149	221

Long-Term Debt	106	194	147	392	532	574	405	249	355	354	1,240	355	354	354	354	1,240
Other Long-Term Liabilities	480	96.88	99.46	123	145	81.30	98.83	408	724	1,008	163	734	905	937	1,008	163
Total Liabilities	586	290	246	515	677	802	678	869	1,219	1,511	1,624	1,382	1,463	1,506	1,511	1,624

Common Stock	0.42	0.37	0.37	0.30	0.30	0.31	0.31	0.27	0.26	0.20	0.20	0.26	0.25	0.25	0.20	0.20
Retained Earnings	227	272	345	209	261	328	474	443	501	568	570	532	495	548	568	570
Additional Paid-In Capital	125	25.64	29.75	0.83	4.13	11.83	24.37	30.99	38.80	53.40	54.50	40.76	44.95	49.46	53.40	54.50
Total Equity	358	301	373	210	265	338	498	474	540	622	625	573	540	598	622	625
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	28.18	57.33	72.60	58.64	54.92	67.18	146	170	188	220	230	50.34	56.51	52.99	59.86	60.60
Depreciation, Depletion and Amortization	8.68	5.78	5.21	4.62	4.11	5.34	5.14	11.08	10.05	5.10	7.06	1.24	1.25	1.20	1.41	3.20
Cash Flow from Others	27.20	20.71	27.17	22.91	38.87	82.96	1.39	19.54	77.56	83.80	63.21	37.70	4.55	12.74	28.82	17.10
Cash Flow from Operations	64.06	83.82	105	86.17	97.89	155	153	201	276	309	300	89.27	62.31	66.93	90.09	80.90

Investment for Property, Plant & Equipement	-3.06	-3.57	-2.86	-1.54	-7.66	-6.34	-2.93	-3.44	-6.33	-8.80	-6.07	-3.93	-2.08	-1.08	-1.71	-1.20
Cash Flow from Acquisitions	--	--	--	--	--	-58.50	-44.27	-44.22	-85.18	-116	-112	-33.21	-29.41	-27.12	-25.97	-30.00
Cash Flow from Investing	-38.42	-64.28	-50.43	-108	-240	-266	-24.76	-163	-454	-401	-325	-204	-51.25	-110	-35.73	-127

Net Issuance of Stock	-3.28	-102	0.21	-235	-6.95	-0.07	-0.54	-202	-131	-153	-192	-20.00	-8.47	-84.48	-39.55	-59.70
Net Issuance of Debt	--	--	--	--	--	110	-135	178	-852	253	223	135	-0.66	130	-11.29	105
Other Financing	-3.41	84.42	-47.20	258	142	3.46	6.28	-11.66	1,162	-3.90	-3.75	-0.35	-1.48	-1.78	-0.29	-0.20
Cash Flow from Financing	-6.69	-17.80	-46.99	22.84	135	113	-129	-35.82	179	96.60	27.34	115	-10.60	43.78	-51.13	45.30

Net Change in Cash	22.58	-0.52	6.48	1.44	-7.82	2.44	-0.98	1.62	0.87	4.30	3.07	0.03	0.46	0.58	3.23	-1.20

Free Cash Flow	60.99	80.25	102	84.64	90.23	149	150	197	269	300	294	85.34	60.23	65.85	88.38	79.70
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score
Beneish M-Score

Switch to Another Stock:

CACC Quarterly/Annuals Reports

CACC: 10-Q - CREDIT ACCEPTANCE CORP (0000885550) (Filer): (10-Q) - 2012-11-01
CACC: 10-Q - CREDIT ACCEPTANCE CORP (0000885550) (Filer): (10-Q) - 2012-08-02
CACC: 10-Q - CREDIT ACCEPTANCE CORP (0000885550) (Filer): (10-Q) - 2012-05-02
CACC: 10-K - CREDIT ACCEPTANCE CORP (0000885550) (Filer): (10-K) - 2012-02-24
CACC: 10-Q - CREDIT ACCEPTANCE CORP (0000885550) (Filer): (10-Q) - 2011-08-01

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