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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.02
CACC's Cash to Debt is ranked lower than
92% of the 370 Companies
in the Global Credit Services industry.

( Industry Median: 0.60 vs. CACC: 0.02 )
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: 0.02
Equity to Asset 0.29
CACC's Equity to Asset is ranked lower than
68% of the 347 Companies
in the Global Credit Services industry.

( Industry Median: 0.46 vs. CACC: 0.29 )
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: 0.29
0.19
0.63
Interest Coverage 5.57
CACC's Interest Coverage is ranked lower than
54% of the 346 Companies
in the Global Credit Services industry.

( Industry Median: 8.45 vs. CACC: 5.57 )
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: 7.42
Current: 5.57
2.27
7.42
F-Score: 5
Z-Score: 1.89
M-Score: -2.56
WACC vs ROIC
4.74%
10.12%
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 (%) 55.38
CACC's Operating margin (%) is ranked higher than
84% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 19.21 vs. CACC: 55.38 )
Ranked among companies with meaningful Operating margin (%) only.
CACC' s Operating margin (%) Range Over the Past 10 Years
Min: 34.28  Med: 56.89 Max: 60.17
Current: 55.38
34.28
60.17
Net-margin (%) 34.94
CACC's Net-margin (%) is ranked higher than
77% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 12.91 vs. CACC: 34.94 )
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: 38.48
Current: 34.94
21.52
38.48
ROE (%) 31.92
CACC's ROE (%) is ranked higher than
93% of the 368 Companies
in the Global Credit Services industry.

( Industry Median: 6.24 vs. CACC: 31.92 )
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: 31.92
20.1
37.82
ROA (%) 8.76
CACC's ROA (%) is ranked higher than
88% of the 382 Companies
in the Global Credit Services industry.

( Industry Median: 2.19 vs. CACC: 8.76 )
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: 8.76
6.45
13.5
ROC (Joel Greenblatt) (%) 648.02
CACC's ROC (Joel Greenblatt) (%) is ranked higher than
95% of the 296 Companies
in the Global Credit Services industry.

( Industry Median: 12.59 vs. CACC: 648.02 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CACC' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: 648.02  Med: 1134.46 Max: 2081.8
Current: 648.02
648.02
2081.8
Revenue Growth (3Y)(%) 18.20
CACC's Revenue Growth (3Y)(%) is ranked higher than
79% of the 257 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: 18.2 Max: 25.6
Current: 18.2
0.8
25.6
EBITDA Growth (3Y)(%) 18.70
CACC's EBITDA Growth (3Y)(%) is ranked higher than
68% of the 225 Companies
in the Global Credit Services industry.

( Industry Median: 5.40 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: -76.8  Med: 23.4 Max: 317.3
Current: 18.7
-76.8
317.3
EPS Growth (3Y)(%) 18.50
CACC's EPS Growth (3Y)(%) is ranked higher than
75% of the 225 Companies
in the Global Credit Services industry.

( Industry Median: 1.60 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: 2.5  Med: 23 Max: 160.4
Current: 18.5
2.5
160.4
» CACC's 10-Y Financials

Financials


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

» Details

Guru Trades

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

David Dreman 43 sh (New)
Paul Tudor Jones 2,216 sh (+38.50%)
Jeremy Grantham Sold Out
Murray Stahl 2,627 sh (-5.57%)
Jim Simons 43,600 sh (-77.47%)
» More
Q2 2016

CACC Guru Trades in Q2 2016

Mario Gabelli 3,975 sh (New)
Seth Klarman 100,000 sh (New)
David Dreman 43 sh (unchged)
Jim Simons Sold Out
Murray Stahl 2,489 sh (-5.25%)
Paul Tudor Jones 1,300 sh (-41.34%)
» More
Q3 2016

CACC Guru Trades in Q3 2016

George Soros 34,932 sh (New)
Paul Tudor Jones 1,500 sh (+15.38%)
Seth Klarman 100,000 sh (unchged)
David Dreman 43 sh (unchged)
Mario Gabelli 3,970 sh (-0.13%)
Murray Stahl 2,070 sh (-16.83%)
» More
» Details

Insider Trades

Latest Guru Trades with CACC

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Business Description

Industry: Credit Services » Credit Services
Compare:NAS:SLM, OTCPK:ELEEF, OTCPK:EDNMY, NYSE:OMF, OTCPK:FPLPY, NYSE:LC, NYSE:FCFS, NYSE:NNI, NAS:HAWK, NYSE:YRD, NYSE:GDOT, NAS:FSC, NYSE:PHH, NYSE:TCAP, OTCPK:AUTCF, OTCPK:CCAOF, NAS:EZPW, NAS:MGI, OTCPK:ALARF, NYSE:AGM » 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.

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 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.

Top Ranked Articles about Credit Acceptance Corp

Can Valuations Predict Credit Acceptance's Price Again? More than 2 years ago Discounted Cash Flow and Peter Lynch pointed to a doubling in the share price
In early December 2013, Vera Yuan wrote an article for GuruFocus that covered several valuations of Credit Acceptance Corporation (CACC). The company specializes in car loans and thanks to its technology can establish rates for every individual applicant within seconds and provide credit to virtually everyone. Read more...
Guru Stocks With Strong 10-Year Returns VMware and Credit Acceptance among well-performing companies
According to GuruFocus' All-in-One Screener, the following stocks have had strong performance over the last 10 years with high and steady returns as well as profitability. EPS has also grown steadily with the company’s revenue. Most of these companies have a great cash-to-debt ratio. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 12.33
CACC's P/E(ttm) is ranked higher than
60% of the 278 Companies
in the Global Credit Services industry.

( Industry Median: 14.00 vs. CACC: 12.33 )
Ranked among companies with meaningful P/E(ttm) only.
CACC' s P/E(ttm) Range Over the Past 10 Years
Min: 6.34  Med: 11.9 Max: 19.96
Current: 12.33
6.34
19.96
Forward P/E 11.05
CACC's Forward P/E is ranked higher than
60% of the 40 Companies
in the Global Credit Services industry.

( Industry Median: 11.48 vs. CACC: 11.05 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.33
CACC's PE(NRI) is ranked higher than
60% of the 282 Companies
in the Global Credit Services industry.

( Industry Median: 14.38 vs. CACC: 12.33 )
Ranked among companies with meaningful PE(NRI) only.
CACC' s PE(NRI) Range Over the Past 10 Years
Min: 6.34  Med: 11.91 Max: 19.84
Current: 12.33
6.34
19.84
Price/Owner Earnings (ttm) 11.92
CACC's Price/Owner Earnings (ttm) is ranked higher than
54% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 12.82 vs. CACC: 11.92 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CACC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.2  Med: 10.09 Max: 18.15
Current: 11.92
4.2
18.15
P/B 3.39
CACC's P/B is ranked lower than
82% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 1.14 vs. CACC: 3.39 )
Ranked among companies with meaningful P/B only.
CACC' s P/B Range Over the Past 10 Years
Min: 1.2  Med: 3.68 Max: 6.3
Current: 3.39
1.2
6.3
P/S 4.30
CACC's P/S is ranked lower than
58% of the 341 Companies
in the Global Credit Services industry.

( Industry Median: 3.30 vs. CACC: 4.30 )
Ranked among companies with meaningful P/S only.
CACC' s P/S Range Over the Past 10 Years
Min: 1.35  Med: 4.22 Max: 7.35
Current: 4.3
1.35
7.35
PFCF 8.63
CACC's PFCF is ranked higher than
50% of the 78 Companies
in the Global Credit Services industry.

( Industry Median: 8.55 vs. CACC: 8.63 )
Ranked among companies with meaningful PFCF only.
CACC' s PFCF Range Over the Past 10 Years
Min: 2.85  Med: 9.01 Max: 14.9
Current: 8.63
2.85
14.9
POCF 8.56
CACC's POCF is ranked higher than
50% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 8.47 vs. CACC: 8.56 )
Ranked among companies with meaningful POCF only.
CACC' s POCF Range Over the Past 10 Years
Min: 2.74  Med: 8.82 Max: 14.77
Current: 8.56
2.74
14.77
EV-to-EBIT 10.55
CACC's EV-to-EBIT is ranked higher than
65% of the 281 Companies
in the Global Credit Services industry.

( Industry Median: 17.44 vs. CACC: 10.55 )
Ranked among companies with meaningful EV-to-EBIT only.
CACC' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.1  Med: 9.4 Max: 14
Current: 10.55
6.1
14
EV-to-EBITDA 10.29
CACC's EV-to-EBITDA is ranked higher than
64% of the 285 Companies
in the Global Credit Services industry.

( Industry Median: 15.37 vs. CACC: 10.29 )
Ranked among companies with meaningful EV-to-EBITDA only.
CACC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.8  Med: 9.2 Max: 13.6
Current: 10.29
5.8
13.6
PEG 0.60
CACC's PEG is ranked higher than
59% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. CACC: 0.60 )
Ranked among companies with meaningful PEG only.
CACC' s PEG Range Over the Past 10 Years
Min: 0.27  Med: 0.46 Max: 0.92
Current: 0.6
0.27
0.92
Shiller P/E 23.54
CACC's Shiller P/E is ranked lower than
72% of the 43 Companies
in the Global Credit Services industry.

( Industry Median: 14.32 vs. CACC: 23.54 )
Ranked among companies with meaningful Shiller P/E only.
CACC' s Shiller P/E Range Over the Past 10 Years
Min: 10.73  Med: 25.67 Max: 40.65
Current: 23.54
10.73
40.65
Current Ratio 1.30
CACC's Current Ratio is ranked lower than
75% of the 282 Companies
in the Global Credit Services industry.

( Industry Median: 2.67 vs. CACC: 1.30 )
Ranked among companies with meaningful Current Ratio only.
CACC' s Current Ratio Range Over the Past 10 Years
Min: 0.34  Med: 0.78 Max: 3.08
Current: 1.3
0.34
3.08
Quick Ratio 1.30
CACC's Quick Ratio is ranked lower than
72% of the 281 Companies
in the Global Credit Services industry.

( Industry Median: 2.38 vs. CACC: 1.30 )
Ranked among companies with meaningful Quick Ratio only.
CACC' s Quick Ratio Range Over the Past 10 Years
Min: 0.34  Med: 0.78 Max: 3.08
Current: 1.3
0.34
3.08

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 5.80
CACC's 3-Year Average Share Buyback Ratio is ranked higher than
95% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: -3.50 vs. CACC: 5.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CACC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.1  Med: 4.4 Max: 10.5
Current: 5.8
-1.1
10.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.36
CACC's Price/Tangible Book is ranked lower than
80% of the 342 Companies
in the Global Credit Services industry.

( Industry Median: 1.24 vs. CACC: 3.36 )
Ranked among companies with meaningful Price/Tangible Book only.
CACC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.63  Med: 2.44 Max: 5.94
Current: 3.36
0.63
5.94
Price/Projected FCF 0.65
CACC's Price/Projected FCF is ranked higher than
58% of the 93 Companies
in the Global Credit Services industry.

( Industry Median: 0.81 vs. CACC: 0.65 )
Ranked among companies with meaningful Price/Projected FCF only.
CACC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.2  Med: 0.66 Max: 1.28
Current: 0.65
0.2
1.28
Price/DCF (Earnings Based) 0.43
CACC's Price/DCF (Earnings Based) is ranked higher than
83% of the 18 Companies
in the Global Credit Services industry.

( Industry Median: 0.78 vs. CACC: 0.43 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.01
CACC's Price/Median PS Value is ranked lower than
53% of the 293 Companies
in the Global Credit Services industry.

( Industry Median: 0.97 vs. CACC: 1.01 )
Ranked among companies with meaningful Price/Median PS Value only.
CACC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.32  Med: 0.89 Max: 2.36
Current: 1.01
0.32
2.36
Price/Peter Lynch Fair Value 0.67
CACC's Price/Peter Lynch Fair Value is ranked higher than
68% of the 41 Companies
in the Global Credit Services industry.

( Industry Median: 0.89 vs. CACC: 0.67 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CACC' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.26  Med: 0.53 Max: 1.58
Current: 0.67
0.26
1.58
Price/Graham Number 1.35
CACC's Price/Graham Number is ranked lower than
64% of the 226 Companies
in the Global Credit Services industry.

( Industry Median: 0.97 vs. CACC: 1.35 )
Ranked among companies with meaningful Price/Graham Number only.
CACC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.47  Med: 1.3 Max: 4.06
Current: 1.35
0.47
4.06
Earnings Yield (Greenblatt) (%) 9.46
CACC's Earnings Yield (Greenblatt) (%) is ranked higher than
72% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. CACC: 9.46 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CACC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 7.1  Med: 10.6 Max: 16.4
Current: 9.46
7.1
16.4
Forward Rate of Return (Yacktman) (%) 26.28
CACC's Forward Rate of Return (Yacktman) (%) is ranked higher than
80% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 4.95 vs. CACC: 26.28 )
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: 32.1 Max: 45.2
Current: 26.28
22.6
45.2

More Statistics

Revenue (TTM) (Mil) $930.8
EPS (TTM) $ 15.80
Beta0.46
Short Percentage of Float77.44%
52-Week Range $160.63 - 258.58
Shares Outstanding (Mil)20.33

Analyst Estimate

Dec16 Dec17
Revenue (Mil $) 966 1,077
EPS ($) 15.96 17.30
EPS w/o NRI ($) 15.96 17.30
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for CACC

Headlines

Articles On GuruFocus.com
Notes on Credit Acceptance Corp Jul 25 2016 
Can Valuations Predict Credit Acceptance's Price Again? Jul 13 2016 
Growing EPS for Undervalued Stocks May 17 2016 
Guru Stocks With Strong 10-Year Returns May 12 2016 
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 

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ETF’s with exposure to Credit Acceptance Corp. : November 7, 2016 Nov 07 2016
Billings Capital’s Bets On Industrial and Finance Stocks Pay Off With Huge Quarter Nov 06 2016
Credit Acceptance Corp. :CACC-US: Earnings Analysis: Q3, 2016 By the Numbers : November 4, 2016 Nov 04 2016
Edited Transcript of CACC earnings conference call or presentation 1-Nov-16 9:00pm GMT Nov 01 2016
Credit Acceptance tops 3Q revenue forecasts Nov 01 2016
Credit Acceptance tops 3Q revenue forecasts Nov 01 2016
Credit Acceptance Announces Third Quarter 2016 Earnings Nov 01 2016
CREDIT ACCEPTANCE CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Nov 01 2016
Credit Acceptance Announces Third Quarter 2016 Earnings Nov 01 2016
Q3 2016 Credit Acceptance Corp Earnings Release - After Market Close Nov 01 2016
Gurus' Stocks With Low P/E Ratios Oct 31 2016
CREDIT ACCEPTANCE CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Creation of a... Oct 31 2016
Finance Stocks Q3 Earnings Roster for Nov 1: CACC, ICE, FTAI Oct 31 2016
Credit Acceptance Announces Completion of $350.0 Million Asset-Backed Financing Oct 27 2016
Credit Acceptance Announces Completion of $350.0 Million Asset-Backed Financing Oct 27 2016
Credit Acceptance Announces Timing of Third Quarter 2016 Earnings Release and Webcast Oct 25 2016

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