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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.03
CACC's Cash to Debt is ranked lower than
91% of the 312 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. CACC: 0.03 )
Ranked among companies with meaningful Cash to Debt only.
CACC' s Cash to Debt Range Over the Past 10 Years
Min: 0  Med: 0.03 Max: N/A
Current: 0.03
Equity to Asset 0.27
CACC's Equity to Asset is ranked lower than
67% of the 315 Companies
in the Global Credit Services industry.

( Industry Median: 0.46 vs. CACC: 0.27 )
Ranked among companies with meaningful Equity to Asset only.
CACC' s Equity to Asset Range Over the Past 10 Years
Min: 0.19  Med: 0.31 Max: 0.63
Current: 0.27
0.19
0.63
Interest Coverage 5.76
CACC's Interest Coverage is ranked higher than
55% of the 264 Companies
in the Global Credit Services industry.

( Industry Median: 3.91 vs. CACC: 5.76 )
Ranked among companies with meaningful Interest Coverage only.
CACC' s Interest Coverage Range Over the Past 10 Years
Min: 2.27  Med: 5.36 Max: 7.81
Current: 5.76
2.27
7.81
F-Score: 5
Z-Score: 1.98
M-Score: -2.52
WACC vs ROIC
6.64%
10.52%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 9/10

vs
industry
vs
history
Operating margin (%) 55.83
CACC's Operating margin (%) is ranked higher than
85% of the 330 Companies
in the Global Credit Services industry.

( Industry Median: 20.27 vs. CACC: 55.83 )
Ranked among companies with meaningful Operating margin (%) only.
CACC' s Operating margin (%) Range Over the Past 10 Years
Min: 34.29  Med: 56.89 Max: 61.19
Current: 55.83
34.29
61.19
Net-margin (%) 35.23
CACC's Net-margin (%) is ranked higher than
79% of the 331 Companies
in the Global Credit Services industry.

( Industry Median: 15.40 vs. CACC: 35.23 )
Ranked among companies with meaningful Net-margin (%) only.
CACC' s Net-margin (%) Range Over the Past 10 Years
Min: 21.52  Med: 36.19 Max: 38.47
Current: 35.23
21.52
38.47
ROE (%) 33.76
CACC's ROE (%) is ranked higher than
95% of the 319 Companies
in the Global Credit Services industry.

( Industry Median: 6.80 vs. CACC: 33.76 )
Ranked among companies with meaningful ROE (%) only.
CACC' s ROE (%) Range Over the Past 10 Years
Min: 20.1  Med: 35.83 Max: 37.82
Current: 33.76
20.1
37.82
ROA (%) 9.04
CACC's ROA (%) is ranked higher than
90% of the 337 Companies
in the Global Credit Services industry.

( Industry Median: 2.29 vs. CACC: 9.04 )
Ranked among companies with meaningful ROA (%) only.
CACC' s ROA (%) Range Over the Past 10 Years
Min: 6.45  Med: 10.64 Max: 13.5
Current: 9.04
6.45
13.5
ROC (Joel Greenblatt) (%) 707.57
CACC's ROC (Joel Greenblatt) (%) is ranked higher than
95% of the 258 Companies
in the Global Credit Services industry.

( Industry Median: 13.47 vs. CACC: 707.57 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CACC' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: 659.84  Med: 1134.46 Max: 2081.8
Current: 707.57
659.84
2081.8
Revenue Growth (3Y)(%) 18.20
CACC's Revenue Growth (3Y)(%) is ranked higher than
78% of the 236 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 vs. CACC: 18.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CACC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0.8  Med: 18.20 Max: 25.6
Current: 18.2
0.8
25.6
EBITDA Growth (3Y)(%) 18.70
CACC's EBITDA Growth (3Y)(%) is ranked higher than
65% of the 203 Companies
in the Global Credit Services industry.

( Industry Median: 7.90 vs. CACC: 18.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CACC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -58.6  Med: 24.00 Max: 134.7
Current: 18.7
-58.6
134.7
EPS Growth (3Y)(%) 18.50
CACC's EPS Growth (3Y)(%) is ranked higher than
69% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 4.80 vs. CACC: 18.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CACC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 2.6  Med: 23.00 Max: 161.3
Current: 18.5
2.6
161.3
» CACC's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-29)


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2015

CACC Guru Trades in Q2 2015

Paul Tudor Jones 2,877 sh (+160.36%)
Jim Simons 246,100 sh (+0.57%)
Chuck Royce 848 sh (unchged)
Murray Stahl 3,987 sh (-9.57%)
Mario Gabelli 4,345 sh (-18.71%)
» More
Q3 2015

CACC Guru Trades in Q3 2015

Jeremy Grantham 7,700 sh (New)
Paul Tudor Jones 3,700 sh (+28.61%)
Jim Simons 301,488 sh (+22.51%)
Chuck Royce 848 sh (unchged)
Mario Gabelli Sold Out
Murray Stahl 3,510 sh (-11.96%)
» More
Q4 2015

CACC Guru Trades in Q4 2015

Chuck Royce Sold Out
Jeremy Grantham 7,000 sh (-9.09%)
Murray Stahl 2,782 sh (-20.74%)
Jim Simons 193,500 sh (-35.82%)
Paul Tudor Jones 1,600 sh (-56.76%)
» More
Q1 2016

CACC Guru Trades in Q1 2016

Murray Stahl 2,627 sh (-5.57%)
» More
» Details

Insider Trades

Latest Guru Trades with CACC

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Ratios

vs
industry
vs
history
P/E(ttm) 12.69
CACC's P/E(ttm) is ranked higher than
52% of the 258 Companies
in the Global Credit Services industry.

( Industry Median: 14.39 vs. CACC: 12.69 )
Ranked among companies with meaningful P/E(ttm) only.
CACC' s P/E(ttm) Range Over the Past 10 Years
Min: 6.34  Med: 11.71 Max: 20.14
Current: 12.69
6.34
20.14
Forward P/E 11.35
CACC's Forward P/E is ranked lower than
65% of the 46 Companies
in the Global Credit Services industry.

( Industry Median: 10.32 vs. CACC: 11.35 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.69
CACC's PE(NRI) is ranked higher than
52% of the 259 Companies
in the Global Credit Services industry.

( Industry Median: 14.29 vs. CACC: 12.69 )
Ranked among companies with meaningful PE(NRI) only.
CACC' s PE(NRI) Range Over the Past 10 Years
Min: 6.34  Med: 11.74 Max: 20.2
Current: 12.69
6.34
20.2
Price/Owner Earnings (ttm) 12.91
CACC's Price/Owner Earnings (ttm) is ranked lower than
52% of the 62 Companies
in the Global Credit Services industry.

( Industry Median: 11.66 vs. CACC: 12.91 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CACC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.03  Med: 9.63 Max: 16.54
Current: 12.91
4.03
16.54
P/B 3.80
CACC's P/B is ranked lower than
87% of the 311 Companies
in the Global Credit Services industry.

( Industry Median: 1.07 vs. CACC: 3.80 )
Ranked among companies with meaningful P/B only.
CACC' s P/B Range Over the Past 10 Years
Min: 1.2  Med: 3.65 Max: 6.3
Current: 3.8
1.2
6.3
P/S 4.46
CACC's P/S is ranked lower than
65% of the 313 Companies
in the Global Credit Services industry.

( Industry Median: 3.04 vs. CACC: 4.46 )
Ranked among companies with meaningful P/S only.
CACC' s P/S Range Over the Past 10 Years
Min: 1.35  Med: 4.17 Max: 7.35
Current: 4.46
1.35
7.35
PFCF 10.25
CACC's PFCF is ranked lower than
58% of the 65 Companies
in the Global Credit Services industry.

( Industry Median: 7.89 vs. CACC: 10.25 )
Ranked among companies with meaningful PFCF only.
CACC' s PFCF Range Over the Past 10 Years
Min: 2.85  Med: 9.13 Max: 14.9
Current: 10.25
2.85
14.9
POCF 10.13
CACC's POCF is ranked lower than
56% of the 88 Companies
in the Global Credit Services industry.

( Industry Median: 8.50 vs. CACC: 10.13 )
Ranked among companies with meaningful POCF only.
CACC' s POCF Range Over the Past 10 Years
Min: 2.74  Med: 8.71 Max: 14.77
Current: 10.13
2.74
14.77
EV-to-EBIT 10.66
CACC's EV-to-EBIT is ranked higher than
62% of the 254 Companies
in the Global Credit Services industry.

( Industry Median: 16.31 vs. CACC: 10.66 )
Ranked among companies with meaningful EV-to-EBIT only.
CACC' s EV-to-EBIT Range Over the Past 10 Years
Min: 6  Med: 9.30 Max: 14
Current: 10.66
6
14
EV-to-EBITDA 10.40
CACC's EV-to-EBITDA is ranked higher than
60% of the 261 Companies
in the Global Credit Services industry.

( Industry Median: 15.60 vs. CACC: 10.40 )
Ranked among companies with meaningful EV-to-EBITDA only.
CACC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.8  Med: 9.00 Max: 13.6
Current: 10.4
5.8
13.6
PEG 0.64
CACC's PEG is ranked higher than
51% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 0.67 vs. CACC: 0.64 )
Ranked among companies with meaningful PEG only.
CACC' s PEG Range Over the Past 10 Years
Min: 0.27  Med: 0.45 Max: 0.93
Current: 0.64
0.27
0.93
Shiller P/E 24.69
CACC's Shiller P/E is ranked lower than
75% of the 36 Companies
in the Global Credit Services industry.

( Industry Median: 13.04 vs. CACC: 24.69 )
Ranked among companies with meaningful Shiller P/E only.
CACC' s Shiller P/E Range Over the Past 10 Years
Min: 10.82  Med: 26.78 Max: 44.26
Current: 24.69
10.82
44.26
Current Ratio 1.69
CACC's Current Ratio is ranked lower than
76% of the 152 Companies
in the Global Credit Services industry.

( Industry Median: 2.29 vs. CACC: 1.69 )
Ranked among companies with meaningful Current Ratio only.
CACC' s Current Ratio Range Over the Past 10 Years
Min: 0.34  Med: 0.76 Max: 2.91
Current: 1.69
0.34
2.91
Quick Ratio 1.69
CACC's Quick Ratio is ranked lower than
76% of the 152 Companies
in the Global Credit Services industry.

( Industry Median: 2.25 vs. CACC: 1.69 )
Ranked among companies with meaningful Quick Ratio only.
CACC' s Quick Ratio Range Over the Past 10 Years
Min: 0.34  Med: 0.76 Max: 2.91
Current: 1.69
0.34
2.91

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.80
CACC's Price/Tangible Book is ranked lower than
84% of the 308 Companies
in the Global Credit Services industry.

( Industry Median: 1.14 vs. CACC: 3.80 )
Ranked among companies with meaningful Price/Tangible Book only.
CACC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.63  Med: 2.41 Max: 5.94
Current: 3.8
0.63
5.94
Price/DCF (Earnings Based) 0.45
CACC's Price/DCF (Earnings Based) is ranked higher than
83% of the 12 Companies
in the Global Credit Services industry.

( Industry Median: 0.75 vs. CACC: 0.45 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Earnings Yield (Greenblatt) (%) 9.40
CACC's Earnings Yield (Greenblatt) (%) is ranked higher than
70% of the 320 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 vs. CACC: 9.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CACC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 7.1  Med: 10.80 Max: 16.6
Current: 9.4
7.1
16.6
Forward Rate of Return (Yacktman) (%) 26.69
CACC's Forward Rate of Return (Yacktman) (%) is ranked higher than
84% of the 82 Companies
in the Global Credit Services industry.

( Industry Median: 3.83 vs. CACC: 26.69 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CACC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 22.6  Med: 32.30 Max: 45.2
Current: 26.69
22.6
45.2

More Statistics

Revenue(Mil) $825
EPS $ 14.28
Beta0.90
Short Percentage of Float45.94%
52-Week Range $159.43 - 277.98
Shares Outstanding(Mil)20.33

Analyst Estimate

Dec16 Dec17
Revenue(Mil) 920 997
EPS($) 15.38 16.29
EPS without NRI($) 15.38 16.29

Business Description

Industry: Credit Services » Credit Services
Compare:BOM:500034, NAS:NAVI, XPAR:EDEN, TSE:8570, NYSE:OMF, TSX:EFN » details
Credit Acceptance Corp is a financing company. The Company offers automobile dealers financing programs that enable them to sell vehicles to consumers regardless of their credit history. The company's product is offered through a nationwide network of automobile dealers who benefit from sales of vehicles to consumers who otherwise could not obtain financing; from repeat and referral sales generated by these same customers; and from sales to customers responding to advertisements for its product, but who actually end up qualifying for traditional financing. The company refers to dealers who participate in its programs, and upon enrollment in its programs, the dealer-partner enters into a dealer servicing agreement with the company that defines their legal relationship. The dealer servicing agreement assigns the responsibilities for administering, servicing, and collecting the amounts due on retail installment contracts from the dealer-partners to the company. A consumer who does not qualify for conventional automobile financing could purchase a used vehicle from a Credit Acceptance dealer-partner and finance the purchase through the Company. It is an indirect lender from a legal perspective, meaning the consumer loan is originated by the dealer-partner and immediately assigned to it. The company has two main programs: the Portfolio Program and the Purchase Program. Under the Portfolio Program, it advances money to dealer-partners in exchange for the right to service the underlying Consumer Loan. Under the Purchase Program, it buys the Consumer Loan from the dealer-partner and keeps all amounts collected from the consumer. Dealer Loans and Purchased Loans are collectively referred to as 'Loans'. The Company mainly competes with dealerships, banks, captive finance affiliates of automobile manufacturers, credit unions and independent finance companies both publicly and privately owned. The Company's business is subject to laws and regulations, including the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act and other various state and federal laws and regulations.
» More Articles for CACC

Headlines

Articles On GuruFocus.com
All-In-One Screener Identifies Undervalued U.S. Financial Services Stocks Oct 19 2015 
Credit Acceptance Corp: Strong Returns Driven By Improving Financial Results Feb 16 2015 
Mario Gabelli Reports his Top Increase of the Second Quarter Aug 07 2014 
June 2014 Value Idea Contest Announcement Jul 25 2014 
Credit Acceptance Corporation: Could “No Credit, No Problem” Produce Capital Gains? Jul 06 2014 
The Most Undervalued Predictable Companies of December and Who Bought Them Dec 13 2013 
Credit Acceptance Corporation (CACC) Analysis Dec 02 2013 
How Are GuruFocus Model Portfolios Faring Beside the Market in 2012? Dec 28 2012 
Credit Acceptance Corp. (CACC) Chairman, 10% Owner Donald A Foss sells 1,842,870 Shares Mar 15 2011 
Credit Acceptance Corp. (CACC) CEO Brett A Roberts sells 15,777 Shares Mar 15 2011 

More From Other Websites
Subprime Auto Lender Credit Acceptance Subpoenaed by Maryland May 03 2016
Credit Acceptance Corp. breached its 50 day moving average in a Bearish Manner : CACC-US : May 3,... May 03 2016
Edited Transcript of CACC earnings conference call or presentation 2-May-16 9:00pm GMT May 03 2016
Credit Acceptance beats Street 1Q forecasts May 02 2016
Credit Acceptance beats Street 1Q forecasts May 02 2016
Credit Acceptance Corp Earnings Call scheduled for 5:00 pm ET today May 02 2016
Credit Acceptance Announces First Quarter 2016 Earnings May 02 2016
CREDIT ACCEPTANCE CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... May 02 2016
Credit Acceptance Announces First Quarter 2016 Earnings May 02 2016
Q1 2016 Credit Acceptance Corp Earnings Release - After Market Close May 02 2016
Credit Acceptance Announces Timing of First Quarter 2016 Earnings Release and Webcast Apr 25 2016
Credit Acceptance Announces Timing of First Quarter 2016 Earnings Release and Webcast Apr 25 2016
ETF’s with exposure to Credit Acceptance Corp. : April 18, 2016 Apr 18 2016
Credit Acceptance Corp. breached its 50 day moving average in a Bullish Manner : CACC-US : April 15,... Apr 15 2016
CREDIT ACCEPTANCE CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Apr 13 2016
Forget Goldman Sachs (GS), Buy these Financial Stocks Instead Apr 11 2016
Credit Acceptance Named as One of the Best Workplaces for Flexibility Mar 30 2016
Credit Acceptance Named as One of the Best Workplaces for Flexibility Mar 30 2016
Short Interest Highest Since 2009 And The Squeeze Is Not Over Mar 21 2016
Credit Acceptance Corp. downgraded by JMP Securities Mar 16 2016

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