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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.03
CACC's Cash to Debt is ranked lower than
86% of the 256 Companies
in the Global Credit Services industry.

( Industry Median: 6.06 vs. CACC: 0.03 )
Ranked among companies with meaningful Cash to Debt only.
CACC' s 10-Year Cash to Debt Range
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
60% of the 183 Companies
in the Global Credit Services industry.

( Industry Median: 0.37 vs. CACC: 0.27 )
Ranked among companies with meaningful Equity to Asset only.
CACC' s 10-Year Equity to Asset Range
Min: 0.19  Med: 0.31 Max: 0.63
Current: 0.27
0.19
0.63
Interest Coverage 7.81
CACC's Interest Coverage is ranked lower than
55% of the 181 Companies
in the Global Credit Services industry.

( Industry Median: 16.15 vs. CACC: 7.81 )
Ranked among companies with meaningful Interest Coverage only.
CACC' s 10-Year Interest Coverage Range
Min: 2.19  Med: 5.30 Max: 7.81
Current: 7.81
2.19
7.81
F-Score: 6
Z-Score: 2.23
M-Score: -3.27
WACC vs ROIC
4.64%
12.78%
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 (%) 58.63
CACC's Operating margin (%) is ranked higher than
85% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 20.53 vs. CACC: 58.63 )
Ranked among companies with meaningful Operating margin (%) only.
CACC' s 10-Year Operating margin (%) Range
Min: -16.12  Med: 46.36 Max: 61.19
Current: 58.63
-16.12
61.19
Net-margin (%) 38.31
CACC's Net-margin (%) is ranked higher than
78% of the 271 Companies
in the Global Credit Services industry.

( Industry Median: 17.41 vs. CACC: 38.31 )
Ranked among companies with meaningful Net-margin (%) only.
CACC' s 10-Year Net-margin (%) Range
Min: -10.92  Med: 30.03 Max: 38.79
Current: 38.31
-10.92
38.79
ROE (%) 38.98
CACC's ROE (%) is ranked higher than
92% of the 267 Companies
in the Global Credit Services industry.

( Industry Median: 8.63 vs. CACC: 38.98 )
Ranked among companies with meaningful ROE (%) only.
CACC' s 10-Year ROE (%) Range
Min: -4.68  Med: 20.10 Max: 37.82
Current: 38.98
-4.68
37.82
ROA (%) 10.17
CACC's ROA (%) is ranked higher than
83% of the 280 Companies
in the Global Credit Services industry.

( Industry Median: 2.98 vs. CACC: 10.17 )
Ranked among companies with meaningful ROA (%) only.
CACC' s 10-Year ROA (%) Range
Min: -1.8  Med: 6.59 Max: 13.5
Current: 10.17
-1.8
13.5
ROC (Joel Greenblatt) (%) 648.08
CACC's ROC (Joel Greenblatt) (%) is ranked higher than
93% of the 217 Companies
in the Global Credit Services industry.

( Industry Median: 14.71 vs. CACC: 648.08 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CACC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -11.13  Med: 668.15 Max: 2081.8
Current: 648.08
-11.13
2081.8
Revenue Growth (3Y)(%) 18.00
CACC's Revenue Growth (3Y)(%) is ranked higher than
73% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: 5.50 vs. CACC: 18.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CACC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0.8  Med: 18.00 Max: 25.6
Current: 18
0.8
25.6
EBITDA Growth (3Y)(%) 17.20
CACC's EBITDA Growth (3Y)(%) is ranked higher than
74% of the 171 Companies
in the Global Credit Services industry.

( Industry Median: -3.30 vs. CACC: 17.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CACC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -77.2  Med: 24.10 Max: 324.5
Current: 17.2
-77.2
324.5
EPS Growth (3Y)(%) 19.00
CACC's EPS Growth (3Y)(%) is ranked higher than
69% of the 175 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. CACC: 19.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CACC' s 10-Year EPS Growth (3Y)(%) Range
Min: -8  Med: 23.00 Max: 160.4
Current: 19
-8
160.4
» CACC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

CACC Guru Trades in Q3 2014

Murray Stahl 6,610 sh (+4.26%)
Mario Gabelli 24,600 sh (+0.24%)
Chuck Royce 848 sh (unchged)
Jim Simons 296,900 sh (-10.46%)
Paul Tudor Jones 2,196 sh (-54.18%)
» More
Q4 2014

CACC Guru Trades in Q4 2014

Paul Tudor Jones 3,810 sh (+73.50%)
Chuck Royce 848 sh (unchged)
Jim Simons 293,745 sh (-1.06%)
Murray Stahl 6,183 sh (-6.46%)
Mario Gabelli 6,900 sh (-71.95%)
» More
Q1 2015

CACC Guru Trades in Q1 2015

Chuck Royce 848 sh (unchged)
Jim Simons 244,700 sh (-16.70%)
Mario Gabelli 5,345 sh (-22.54%)
Murray Stahl 4,409 sh (-28.69%)
Paul Tudor Jones 1,105 sh (-71.00%)
» More
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
» Details

Insider Trades

Latest Guru Trades with CACC

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Ratios

vs
industry
vs
history
P/E(ttm) 14.42
CACC's P/E(ttm) is ranked higher than
51% of the 214 Companies
in the Global Credit Services industry.

( Industry Median: 14.70 vs. CACC: 14.42 )
Ranked among companies with meaningful P/E(ttm) only.
CACC' s 10-Year P/E(ttm) Range
Min: 6.34  Med: 11.70 Max: 20.99
Current: 14.42
6.34
20.99
Forward P/E 13.21
CACC's Forward P/E is ranked lower than
61% of the 70 Companies
in the Global Credit Services industry.

( Industry Median: 11.04 vs. CACC: 13.21 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.30
CACC's PE(NRI) is ranked higher than
52% of the 215 Companies
in the Global Credit Services industry.

( Industry Median: 14.90 vs. CACC: 14.30 )
Ranked among companies with meaningful PE(NRI) only.
CACC' s 10-Year PE(NRI) Range
Min: 6.34  Med: 11.73 Max: 21.08
Current: 14.3
6.34
21.08
P/B 4.80
CACC's P/B is ranked lower than
88% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.04 vs. CACC: 4.80 )
Ranked among companies with meaningful P/B only.
CACC' s 10-Year P/B Range
Min: 1.2  Med: 3.44 Max: 6.3
Current: 4.8
1.2
6.3
P/S 5.53
CACC's P/S is ranked lower than
70% of the 262 Companies
in the Global Credit Services industry.

( Industry Median: 3.31 vs. CACC: 5.53 )
Ranked among companies with meaningful P/S only.
CACC' s 10-Year P/S Range
Min: 1.35  Med: 4.12 Max: 7.24
Current: 5.53
1.35
7.24
PFCF 11.18
CACC's PFCF is ranked lower than
62% of the 69 Companies
in the Global Credit Services industry.

( Industry Median: 8.29 vs. CACC: 11.18 )
Ranked among companies with meaningful PFCF only.
CACC' s 10-Year PFCF Range
Min: 2.86  Med: 9.00 Max: 48.76
Current: 11.18
2.86
48.76
POCF 11.10
CACC's POCF is ranked lower than
62% of the 87 Companies
in the Global Credit Services industry.

( Industry Median: 7.73 vs. CACC: 11.10 )
Ranked among companies with meaningful POCF only.
CACC' s 10-Year POCF Range
Min: 2.74  Med: 8.66 Max: 14.56
Current: 11.1
2.74
14.56
EV-to-EBIT 11.37
CACC's EV-to-EBIT is ranked higher than
66% of the 210 Companies
in the Global Credit Services industry.

( Industry Median: 19.08 vs. CACC: 11.37 )
Ranked among companies with meaningful EV-to-EBIT only.
CACC' s 10-Year EV-to-EBIT Range
Min: 6.9  Med: 11.10 Max: 18
Current: 11.37
6.9
18
PEG 0.67
CACC's PEG is ranked higher than
53% of the 62 Companies
in the Global Credit Services industry.

( Industry Median: 0.73 vs. CACC: 0.67 )
Ranked among companies with meaningful PEG only.
CACC' s 10-Year PEG Range
Min: 0.25  Med: 0.45 Max: 0.93
Current: 0.67
0.25
0.93
Shiller P/E 21.60
CACC's Shiller P/E is ranked lower than
74% of the 92 Companies
in the Global Credit Services industry.

( Industry Median: 12.94 vs. CACC: 21.60 )
Ranked among companies with meaningful Shiller P/E only.
CACC' s 10-Year Shiller P/E Range
Min: 7.7  Med: 19.53 Max: 43.63
Current: 21.6
7.7
43.63
Current Ratio 1.47
CACC's Current Ratio is ranked lower than
60% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 2.09 vs. CACC: 1.47 )
Ranked among companies with meaningful Current Ratio only.
CACC' s 10-Year Current Ratio Range
Min: 0.34  Med: 0.67 Max: 2.61
Current: 1.47
0.34
2.61
Quick Ratio 1.47
CACC's Quick Ratio is ranked lower than
59% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 1.83 vs. CACC: 1.47 )
Ranked among companies with meaningful Quick Ratio only.
CACC' s 10-Year Quick Ratio Range
Min: 0.34  Med: 0.67 Max: 2.61
Current: 1.47
0.34
2.61

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 4.80
CACC's Price/Tangible Book is ranked lower than
87% of the 214 Companies
in the Global Credit Services industry.

( Industry Median: 1.11 vs. CACC: 4.80 )
Ranked among companies with meaningful Price/Tangible Book only.
CACC' s 10-Year Price/Tangible Book Range
Min: 0.63  Med: 2.44 Max: 6.07
Current: 4.8
0.63
6.07
Price/Projected FCF 0.85
CACC's Price/Projected FCF is ranked lower than
54% of the 76 Companies
in the Global Credit Services industry.

( Industry Median: 0.76 vs. CACC: 0.85 )
Ranked among companies with meaningful Price/Projected FCF only.
CACC' s 10-Year Price/Projected FCF Range
Min: 0.2  Med: 0.67 Max: 1.53
Current: 0.85
0.2
1.53
Price/DCF (Earnings Based) 0.50
CACC's Price/DCF (Earnings Based) is ranked higher than
50% of the 4 Companies
in the Global Credit Services industry.

( Industry Median: 0.50 vs. CACC: 0.50 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.34
CACC's Price/Median PS Value is ranked lower than
66% of the 232 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. CACC: 1.34 )
Ranked among companies with meaningful Price/Median PS Value only.
CACC' s 10-Year Price/Median PS Value Range
Min: 0.33  Med: 0.92 Max: 4.06
Current: 1.34
0.33
4.06
Price/Peter Lynch Fair Value 0.71
CACC's Price/Peter Lynch Fair Value is ranked lower than
53% of the 30 Companies
in the Global Credit Services industry.

( Industry Median: 0.64 vs. CACC: 0.71 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CACC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.26  Med: 0.52 Max: 1.58
Current: 0.71
0.26
1.58
Price/Graham Number 1.73
CACC's Price/Graham Number is ranked lower than
80% of the 137 Companies
in the Global Credit Services industry.

( Industry Median: 0.83 vs. CACC: 1.73 )
Ranked among companies with meaningful Price/Graham Number only.
CACC' s 10-Year Price/Graham Number Range
Min: 0.42  Med: 1.18 Max: 3.89
Current: 1.73
0.42
3.89
Earnings Yield (Greenblatt) (%) 8.76
CACC's Earnings Yield (Greenblatt) (%) is ranked higher than
73% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. CACC: 8.76 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CACC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 5.5  Med: 9.00 Max: 14.5
Current: 8.76
5.5
14.5
Forward Rate of Return (Yacktman) (%) 26.75
CACC's Forward Rate of Return (Yacktman) (%) is ranked higher than
82% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: -0.10 vs. CACC: 26.75 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CACC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 5.2  Med: 32.20 Max: 45.4
Current: 26.75
5.2
45.4

Analyst Estimate

Dec15 Dec16
Revenue(Mil) 815 911
EPS($) 14.20 15.07
EPS without NRI($) 14.20 15.07

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, RDCRL, AXP » 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
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 
comment on CACC May 11 2013 
Fast growing company May 01 2013 
comment on CACC Apr 30 2013 
comment on CACC Apr 14 2013 

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