Switch to:

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 higher than
55% of the 170 Companies
in the Global Credit Services industry.

( Industry Median: 0.21 vs. CACC: 0.03 )
CACC' s 10-Year Cash to Debt Range
Min: 0   Max: No Debt
Current: 0.03

Equity to Asset 0.28
CACC's Equity to Asset is ranked higher than
75% of the 173 Companies
in the Global Credit Services industry.

( Industry Median: 0.25 vs. CACC: 0.28 )
CACC' s 10-Year Equity to Asset Range
Min: 0.16   Max: 0.63
Current: 0.28

0.16
0.63
Interest Coverage 6.13
CACC's Interest Coverage is ranked higher than
82% of the 141 Companies
in the Global Credit Services industry.

( Industry Median: 4.04 vs. CACC: 6.13 )
CACC' s 10-Year Interest Coverage Range
Min: 2.19   Max: 7.67
Current: 6.13

2.19
7.67
F-Score: 5
Z-Score: 2.10
M-Score: -3.22
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 (%) 52.29
CACC's Operating margin (%) is ranked higher than
93% of the 177 Companies
in the Global Credit Services industry.

( Industry Median: 22.45 vs. CACC: 52.29 )
CACC' s 10-Year Operating margin (%) Range
Min: -16.12   Max: 60.17
Current: 52.29

-16.12
60.17
Net-margin (%) 36.30
CACC's Net-margin (%) is ranked higher than
92% of the 177 Companies
in the Global Credit Services industry.

( Industry Median: 14.66 vs. CACC: 36.30 )
CACC' s 10-Year Net-margin (%) Range
Min: -10.92   Max: 39.77
Current: 36.3

-10.92
39.77
ROE (%) 36.23
CACC's ROE (%) is ranked higher than
96% of the 178 Companies
in the Global Credit Services industry.

( Industry Median: 12.37 vs. CACC: 36.23 )
CACC' s 10-Year ROE (%) Range
Min: -4.68   Max: 37.82
Current: 36.23

-4.68
37.82
ROA (%) 10.17
CACC's ROA (%) is ranked higher than
94% of the 180 Companies
in the Global Credit Services industry.

( Industry Median: 3.20 vs. CACC: 10.17 )
CACC' s 10-Year ROA (%) Range
Min: -1.8   Max: 13.5
Current: 10.17

-1.8
13.5
ROC (Joel Greenblatt) (%) 633.62
CACC's ROC (Joel Greenblatt) (%) is ranked higher than
92% of the 174 Companies
in the Global Credit Services industry.

( Industry Median: 22.22 vs. CACC: 633.62 )
CACC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -96.14   Max: 1789.66
Current: 633.62

-96.14
1789.66
Revenue Growth (3Y)(%) 24.40
CACC's Revenue Growth (3Y)(%) is ranked higher than
92% of the 145 Companies
in the Global Credit Services industry.

( Industry Median: 7.80 vs. CACC: 24.40 )
CACC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0.8   Max: 30.4
Current: 24.4

0.8
30.4
EBITDA Growth (3Y)(%) 24.80
CACC's EBITDA Growth (3Y)(%) is ranked higher than
95% of the 128 Companies
in the Global Credit Services industry.

( Industry Median: 10.40 vs. CACC: 24.80 )
CACC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -77.2   Max: 324.5
Current: 24.8

-77.2
324.5
EPS Growth (3Y)(%) 23.00
CACC's EPS Growth (3Y)(%) is ranked higher than
86% of the 120 Companies
in the Global Credit Services industry.

( Industry Median: 18.20 vs. CACC: 23.00 )
CACC' s 10-Year EPS Growth (3Y)(%) Range
Min: -60.6   Max: 160.4
Current: 23

-60.6
160.4
» CACC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

CACC Guru Trades in Q4 2013

Paul Tudor Jones 1,693 sh (New)
Murray Stahl 4,072 sh (+32.77%)
Joel Greenblatt 3,114 sh (+4.99%)
Chuck Royce 848 sh (unchged)
Steven Cohen Sold Out
Jim Simons 327,500 sh (-4.46%)
» More
Q1 2014

CACC Guru Trades in Q1 2014

Mario Gabelli 1,540 sh (New)
Murray Stahl 5,583 sh (+37.11%)
Jim Simons 327,600 sh (+0.03%)
Chuck Royce 848 sh (unchged)
Paul Tudor Jones 1,593 sh (-5.91%)
Joel Greenblatt 2,540 sh (-18.43%)
» More
Q2 2014

CACC Guru Trades in Q2 2014

Mario Gabelli 24,540 sh (+1493.51%)
Paul Tudor Jones 4,793 sh (+200.88%)
Murray Stahl 6,340 sh (+13.56%)
Jim Simons 331,600 sh (+1.22%)
Chuck Royce 848 sh (unchged)
Joel Greenblatt Sold Out
» More
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
» Details

Insider Trades

Latest Guru Trades with CACC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2014-06-30 Sold Out 0.01%$123.51 - $143.81 $ 139.225%0
Mario Gabelli 2014-06-30 Add 1493.51%0.01%$123.51 - $143.81 $ 139.225%24540
Mario Gabelli 2014-03-31 New Buy$128.42 - $146.89 $ 139.222%1540
Joel Greenblatt 2013-09-30 Add 28.9%$104.05 - $115.3 $ 139.2226%2966
Joel Greenblatt 2013-06-30 New Buy0.01%$96.75 - $120.71 $ 139.2229%2301
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about Credit Acceptance Corp

Mario Gabelli Reports his Top Increases of the Second Quarter
Seasoned investor and guru Mario Gabelli (Trades, Portfolio) of GAMCO Investors released his second quarter portfolio yesterday. This most updated portfolio highlights 65 new buys bringing his total to 873 stocks valued at over $19.11 billion. In the guru’s second quarter letter to the shareholders Gabelli notes that the second quarter of 2014 showed quite a few surprises and continues to say that “the level and trajectory of interest rates and inflation are likely to have the biggest impact on future M&A and the stock market.” Read more...
Credit Acceptance Corporation: Could “No Credit, No Problem” Produce Capital Gains?
No doubt you’ve seen them too, those auto dealer ads that promise everyone qualifies for credit, that you can drive home the car of your choice today, even if you have a credit rating number you can count on your fingers. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 12.30
CACC's P/E(ttm) is ranked higher than
80% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 17.50 vs. CACC: 12.30 )
CACC' s 10-Year P/E(ttm) Range
Min: 6.34   Max: 29.52
Current: 12.3

6.34
29.52
P/B 4.02
CACC's P/B is ranked higher than
58% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 2.25 vs. CACC: 4.02 )
CACC' s 10-Year P/B Range
Min: 1.2   Max: 5.24
Current: 4.02

1.2
5.24
P/S 4.48
CACC's P/S is ranked higher than
64% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 2.81 vs. CACC: 4.48 )
CACC' s 10-Year P/S Range
Min: 1.35   Max: 6.44
Current: 4.48

1.35
6.44
PFCF 8.66
CACC's PFCF is ranked higher than
86% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. CACC: 8.66 )
CACC' s 10-Year PFCF Range
Min: 2.86   Max: 23.03
Current: 8.66

2.86
23.03
EV-to-EBIT 11.98
CACC's EV-to-EBIT is ranked higher than
87% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 20.78 vs. CACC: 11.98 )
CACC' s 10-Year EV-to-EBIT Range
Min: 6.9   Max: 18
Current: 11.98

6.9
18
PEG 0.51
CACC's PEG is ranked higher than
95% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. CACC: 0.51 )
CACC' s 10-Year PEG Range
Min: 0.25   Max: 0.86
Current: 0.51

0.25
0.86
Shiller P/E 17.69
CACC's Shiller P/E is ranked higher than
83% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 44.95 vs. CACC: 17.69 )
CACC' s 10-Year Shiller P/E Range
Min: 7.75   Max: 43.63
Current: 17.69

7.75
43.63
Current Ratio 2.17
CACC's Current Ratio is ranked higher than
76% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 2.05 vs. CACC: 2.17 )
CACC' s 10-Year Current Ratio Range
Min: 0.34   Max: 2.17
Current: 2.17

0.34
2.17
Quick Ratio 2.17
CACC's Quick Ratio is ranked higher than
76% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 1.95 vs. CACC: 2.17 )
CACC' s 10-Year Quick Ratio Range
Min: 0.34   Max: 2.17
Current: 2.17

0.34
2.17

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 4.02
CACC's Price/Tangible Book is ranked higher than
61% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 2.61 vs. CACC: 4.02 )
CACC' s 10-Year Price/Tangible Book Range
Min: 0.62   Max: 11.4
Current: 4.02

0.62
11.4
Price/DCF (Projected) 0.68
CACC's Price/DCF (Projected) is ranked higher than
88% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 3.04 vs. CACC: 0.68 )
CACC' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 1.38
Current: 0.68

0.2
1.38
Price/Median PS Value 1.09
CACC's Price/Median PS Value is ranked higher than
80% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 1.26 vs. CACC: 1.09 )
CACC' s 10-Year Price/Median PS Value Range
Min: 0.33   Max: 4.06
Current: 1.09

0.33
4.06
Price/Peter Lynch Fair Value 0.56
CACC's Price/Peter Lynch Fair Value is ranked higher than
96% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. CACC: 0.56 )
CACC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.26   Max: 1.58
Current: 0.56

0.26
1.58
Price/Graham Number 1.44
CACC's Price/Graham Number is ranked higher than
71% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 1.45 vs. CACC: 1.44 )
CACC' s 10-Year Price/Graham Number Range
Min: 0.42   Max: 5.5
Current: 1.44

0.42
5.5
Earnings Yield (Greenblatt) 8.30
CACC's Earnings Yield (Greenblatt) is ranked higher than
86% of the 178 Companies
in the Global Credit Services industry.

( Industry Median: 5.30 vs. CACC: 8.30 )
CACC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.5   Max: 14.5
Current: 8.3

5.5
14.5
Forward Rate of Return (Yacktman) 29.77
CACC's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 111 Companies
in the Global Credit Services industry.

( Industry Median: 14.40 vs. CACC: 29.77 )
CACC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.2   Max: 45.4
Current: 29.77

5.2
45.4

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
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 
comment on CACC Apr 09 2013 

More From Other Websites
CREDIT ACCEPTANCE CORP Files SEC form 8-K, Regulation FD Disclosure Dec 12 2014
Should You Get Rid of Cash America International (CSH) Now? Dec 11 2014
Credit Acceptance (CACC) Stock: Weak On High Volume Today Nov 20 2014
Santander Consumer USA (SC) Crumbles: Stock Falls by 7.1% Nov 19 2014
Will Credit Acceptance (CACC) Continue to Surge Higher? Nov 13 2014
CREDIT ACCEPTANCE CORP Financials Nov 05 2014
10-Q for Credit Acceptance Corp. Oct 31 2014
CREDIT ACCEPTANCE CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 29 2014
CREDIT ACCEPTANCE CORP Files SEC form 10-Q, Quarterly Report Oct 29 2014
Credit Acceptance Announces Third Quarter 2014 Earnings Oct 29 2014
Q3 2014 Credit Acceptance Corp Earnings Release - After Market Close Oct 29 2014
Credit Acceptance Announces Final Results of Tender Offer Oct 24 2014
Credit Acceptance Announces Final Results of Tender Offer Oct 24 2014
Credit Acceptance Announces Timing of Third Quarter 2014 Earnings Release and Webcast Oct 22 2014
Credit Acceptance Announces Timing of Third Quarter 2014 Earnings Release and Webcast Oct 22 2014
Credit Acceptance Announces Preliminary Results of Tender Offer Oct 21 2014
Credit Acceptance Announces Preliminary Results of Tender Offer Oct 21 2014
CREDIT ACCEPTANCE CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Oct 07 2014
Credit Acceptance Announces Certain Operating Results Oct 07 2014
CREDIT ACCEPTANCE CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Creation of a... Sep 30 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK