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108.75 (1y: +25%)
Market Cap 2.5 B P/E(ttm) 12.70
Enterprise Value 3.85 B P/B 4.19
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%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$108.75
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.139
CACC's Cash to Debt is ranked lower than
81% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 0.14 vs. CACC: 0.139 )
CACC' s 10-Year Cash to Debt Range
Min: 0   Max: 0.34
Current: 0.14
0
0.34
Equity to Asset 0.292
CACC's Equity to Asset is ranked higher than
65% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 0.16 vs. CACC: 0.292 )
CACC' s 10-Year Equity to Asset Range
Min: 0.28   Max: 0.6
Current: 0.29
0.28
0.6
Interest Coverage 5.4
CACC's Interest Coverage is ranked lower than
84% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 10000.00 vs. CACC: 5.4 )
CACC' s 10-Year Interest Coverage Range
Min: 2   Max: 8
Current: 5.4
2
8
F-Score: 6
Z-Score: 2.08
M-Score: -4.35
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 56.30
CACC's Operating margin (%) is ranked higher than
85% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 28.70 vs. CACC: 56.30 )
CACC' s 10-Year Operating margin (%) Range
Min: -13.5   Max: 60.2
Current: 56.3
-13.5
60.2
Net-margin (%) 36.1
CACC's Net-margin (%) is ranked higher than
81% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 18.90 vs. CACC: 36.1 )
CACC' s 10-Year Net-margin (%) Range
Min: -9.2   Max: 38.5
Current: 36.1
-9.2
38.5
ROE (%) 35.3
CACC's ROE (%) is ranked higher than
94% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 11.80 vs. CACC: 35.3 )
CACC' s 10-Year ROE (%) Range
Min: -4.1   Max: 35.8
Current: 35.3
-4.1
35.8
ROA (%) 10.3
CACC's ROA (%) is ranked higher than
87% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 2.20 vs. CACC: 10.3 )
CACC' s 10-Year ROA (%) Range
Min: -1.6   Max: 12.7
Current: 10.3
-1.6
12.7
ROC (Joel Greenblatt) (%) 3898.90
CACC's ROC (Joel Greenblatt) (%) is ranked higher than
81% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 44.40 vs. CACC: 3898.90 )
CACC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -219.9   Max: 3898.9
Current: 3898.9
-219.9
3898.9
Revenue Growth (%) 18.6
CACC's Revenue Growth (%) is ranked higher than
97% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 1.90 vs. CACC: 18.6 )
CACC' s 10-Year Revenue Growth (%) Range
Min: 3   Max: 18.6
Current: 18.6
3
18.6
EBITDA Growth (%) 16.5
CACC's EBITDA Growth (%) is ranked higher than
94% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 6.70 vs. CACC: 16.5 )
CACC' s 10-Year EBITDA Growth (%) Range
Min: 5.7   Max: 33.7
Current: 16.5
5.7
33.7
EPS Growth (%) 16.7
CACC's EPS Growth (%) is ranked higher than
91% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 6.00 vs. CACC: 16.7 )
CACC' s 10-Year EPS Growth (%) Range
Min: 3.9   Max: 34.5
Current: 16.7
3.9
34.5
ยป CACC's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

CACC Guru Trades in Q2 2012

Paul Tudor Jones 3,000 sh (New)
Jim Simons 359,800 sh (+7.79%)
Jeremy Grantham Sold Out
Chuck Royce 848 sh (-20.45%)
» More
Q3 2012

CACC Guru Trades in Q3 2012

Steven Cohen 2,569 sh (New)
Jeremy Grantham 3,100 sh (New)
Paul Tudor Jones 6,200 sh (+106.67%)
Jim Simons 372,600 sh (+3.56%)
Chuck Royce 848 sh (unchged)
» More
Q4 2012

CACC Guru Trades in Q4 2012

Chuck Royce 848 sh (unchged)
Paul Tudor Jones Sold Out
Jim Simons 368,900 sh (-0.99%)
Steven Cohen 2,307 sh (-10.2%)
» More
Q1 2013

CACC Guru Trades in Q1 2013

Chuck Royce 848 sh (unchged)
Steven Cohen Sold Out
Jim Simons 363,500 sh (-1.46%)
» More
» Details

Insider Trades

Latest Guru Trades with CACC

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Ruane Cunniff 2010-12-31 Sold Out 0.07%$55.39 - $63.07 $ 108.7582%0
Premium More recent guru trades are included for Premium Members only!!

Top Ranked Articles about Credit Acceptance Corporation

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The investment ideas that can be generated from the assortment of GuruFocus Model Portfolios are endless. The site offers more than a dozen model portfolios based on different criteria, to help value investors foresee the performance of certain combinations of strategically placed stocks. Read more...

Ratios

vs
industry		 vs
history
P/E(ttm) 12.70
CACC's P/E(ttm) is ranked higher than
54% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 11.30 vs. CACC: 12.70 )
CACC' s 10-Year P/E(ttm) Range
Min: 6.34   Max: 39.67
Current: 12.7
6.34
39.67
P/B 4.19
CACC's P/B is ranked lower than
85% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 1.35 vs. CACC: 4.19 )
CACC' s 10-Year P/B Range
Min: 0.65   Max: 5.85
Current: 4.19
0.65
5.85
P/S 4.57
CACC's P/S is ranked lower than
79% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 2.29 vs. CACC: 4.57 )
CACC' s 10-Year P/S Range
Min: 1.35   Max: 6.54
Current: 4.57
1.35
6.54
PFCF 9.29
CACC's PFCF is ranked lower than
57% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 6.12 vs. CACC: 9.29 )
CACC' s 10-Year PFCF Range
Min: 2.86   Max: 22.61
Current: 9.29
2.86
22.61
EV-to-EBIT 11.23
CACC's EV-to-EBIT is ranked higher than
78% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 16.25 vs. CACC: 11.23 )
CACC' s 10-Year EV-to-EBIT Range
Min: 5   Max: 45.3
Current: 11.23
5
45.3
PEG 0.35
CACC's PEG is ranked higher than
97% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 0.55 vs. CACC: 0.35 )
CACC' s 10-Year PEG Range
Min: 0.05   Max: 1.01
Current: 0.35
0.05
1.01
Shiller P/E 21.12
CACC's Shiller P/E is ranked higher than
65% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 10.04 vs. CACC: 21.12 )
CACC' s 10-Year Shiller P/E Range
Min: 7.65   Max: 46.06
Current: 21.12
7.65
46.06

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 4.2
CACC's Price/Tangible Book is ranked higher than
90% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 1.60 vs. CACC: 4.2 )
CACC' s 10-Year Price/Tangible Book Range
Min: 0.9   Max: 5.6
Current: 4.2
0.9
5.6
Price/DCF (Projected) 0.8
CACC's Price/DCF (Projected) is ranked higher than
90% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 0.50 vs. CACC: 0.8 )
CACC' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 1.1
Current: 0.8
0.3
1.1
Price/Median PS Value 1.2
CACC's Price/Median PS Value is ranked higher than
65% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. CACC: 1.2 )
CACC' s 10-Year Price/Median PS Value Range
Min: 0.4   Max: 1.7
Current: 1.2
0.4
1.7
Price/Peter Lynch Fair Value 0.5
CACC's Price/Peter Lynch Fair Value is ranked higher than
82% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. CACC: 0.5 )
CACC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.4   Max: 0.9
Current: 0.5
0.4
0.9
Price/Graham Number 1.5
CACC's Price/Graham Number is ranked higher than
85% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 0.80 vs. CACC: 1.5 )
CACC' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 2.2
Current: 1.5
0.6
2.2
Earnings Yield (Greenblatt) 8.90
CACC's Earnings Yield (Greenblatt) is ranked higher than
78% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 8.45 vs. CACC: 8.90 )
CACC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.2   Max: 20
Current: 8.9
2.2
20
Forward Rate of Return (Yacktman) 45.56
CACC's Forward Rate of Return (Yacktman) is ranked higher than
93% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 19.78 vs. CACC: 45.56 )
CACC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 11.1   Max: 170.1
Current: 45.56
11.1
170.1

Business Description

Credit Acceptance Corporation provides auto loans to consumers. 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 primary 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 has one reportable business segments. The United States segment is its dominant segment and consists of the United States automobile financing business.
Company Website
SEC Reports
Industry: Credit Services
Compare:V, MA, TCAP, RDCRL, AXP
ยป More Articles for CACC

Headlines

Articles On GuruFocus.com
Super-Fast Growing Mid-Cap Growth Stocks with Explosive Returns May 09 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 
Credit Acceptance Corp. (CACC) CFO Kenneth Booth sells 1,004 Shares Mar 15 2011 
Credit Acceptance Corp. (CACC) CEO Brett A Roberts sells 13,000 Shares Feb 17 2011 
Credit Acceptance Corp. (CACC) CEO Brett A Roberts sells 18,000 Shares Feb 15 2011 
Credit Acceptance Corp. (CACC) CEO Brett A Roberts sells 19,000 Shares Feb 11 2011 
Credit Acceptance Corp. (CACC) CEO Brett A Roberts sells 14,156 Shares Jan 03 2011 
Credit Acceptance Corp. (CACC) CEO Brett A Roberts sells 3,000 Shares Dec 29 2010 

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