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Credit Acceptance (Credit Acceptance) Shiller PE Ratio

: 16.21 (As of Today)
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As of today (2024-04-23), Credit Acceptance's current share price is $519.12. Credit Acceptance's E10 for the quarter that ended in Dec. 2023 was $32.02. Credit Acceptance's Shiller PE Ratio for today is 16.21.

The historical rank and industry rank for Credit Acceptance's Shiller PE Ratio or its related term are showing as below:

CACC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 12.73   Med: 25.26   Max: 39.93
Current: 16.21

During the past years, Credit Acceptance's highest Shiller PE Ratio was 39.93. The lowest was 12.73. And the median was 25.26.

CACC's Shiller PE Ratio is ranked worse than
55.37% of 298 companies
in the Credit Services industry
Industry Median: 14.38 vs CACC: 16.21

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Credit Acceptance's adjusted earnings per share data for the three months ended in Dec. 2023 was $7.290. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $32.02 for the trailing ten years ended in Dec. 2023.

Shiller PE for Stocks: The True Measure of Stock Valuation


Credit Acceptance Shiller PE Ratio Historical Data

The historical data trend for Credit Acceptance's Shiller PE Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Credit Acceptance Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Shiller PE Ratio
Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 25.68 18.07 26.76 15.72 16.64

Credit Acceptance Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Shiller PE Ratio Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 15.72 14.00 16.22 14.48 16.64

Competitive Comparison

For the Credit Services subindustry, Credit Acceptance's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Credit Acceptance Shiller PE Ratio Distribution

For the Credit Services industry and Financial Services sector, Credit Acceptance's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Credit Acceptance's Shiller PE Ratio falls into.



Credit Acceptance Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Credit Acceptance's Shiller PE Ratio for today is calculated as

Shiller PE Ratio=Share Price/ E10
=519.12/32.02
=16.21

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Credit Acceptance's E10 for the quarter that ended in Dec. 2023 is calculated as:

For example, Credit Acceptance's adjusted earnings per share data for the three months ended in Dec. 2023 was:

Adj_EPS=Earnings per Share (Diluted)/CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=7.29/129.4194*129.4194
=7.290

Current CPI (Dec. 2023) = 129.4194.

Credit Acceptance Quarterly Data

Earnings per Share (Diluted) CPI Adj_EPS
201403 2.120 99.695 2.752
201406 3.060 100.560 3.938
201409 3.380 100.428 4.356
201412 3.450 99.070 4.507
201503 3.410 99.621 4.430
201506 3.540 100.684 4.550
201509 3.530 100.392 4.551
201512 3.840 99.792 4.980
201603 3.630 100.470 4.676
201606 4.170 101.688 5.307
201609 4.210 101.861 5.349
201612 4.330 101.863 5.501
201703 4.720 102.862 5.939
201706 5.090 103.349 6.374
201709 5.190 104.136 6.450
201712 9.100 104.011 11.323
201803 6.170 105.290 7.584
201806 7.750 106.317 9.434
201809 7.750 106.507 9.417
201812 7.790 105.998 9.511
201903 8.650 107.251 10.438
201906 8.680 108.070 10.395
201909 8.730 108.329 10.430
201912 8.600 108.420 10.266
202003 -4.610 108.902 -5.479
202006 5.400 108.767 6.425
202009 13.560 109.815 15.981
202012 9.430 109.897 11.105
202103 11.820 111.754 13.688
202106 17.180 114.631 19.396
202109 15.790 115.734 17.657
202112 14.600 117.630 16.063
202203 14.940 121.301 15.940
202206 7.940 125.017 8.220
202209 6.490 125.227 6.707
202212 9.580 125.222 9.901
202303 7.610 127.348 7.734
202306 1.690 128.729 1.699
202309 5.430 129.860 5.412
202312 7.290 129.419 7.290

Add all the adjusted EPS together and divide 10 will get our E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Credit Acceptance  (NAS:CACC) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


Credit Acceptance Shiller PE Ratio Related Terms

Thank you for viewing the detailed overview of Credit Acceptance's Shiller PE Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Credit Acceptance (Credit Acceptance) Business Description

Traded in Other Exchanges
Address
25505 W. Twelve Mile Road, Southfield, MI, USA, 48034-8339
Credit Acceptance Corp is a consumer finance company that specializes in automobile loans. These loans are offered through a U.S. nationwide network of automobile dealers that benefit from sales of vehicles to consumers who could otherwise not obtain financing. The company also benefits from repeat and referral sales, and from sales to customers responding to advertisements for financing, but qualify for traditional financing. The company derives its revenue from finance charges, premiums earned on the reinsurance of vehicle service contracts, and other fees. Of these, financing charges, including servicing fees, are by far the largest source of revenue.
Executives
Wendy A Rummler officer: Senior VP, Human Resources 25505 WEST TWELVE MILE ROAD, SOUTHFIELD MI 48034
Douglas W Busk officer: Sr. Vice President & Treasurer 25505 WEST TWELVE MILE ROAD, SOUTH FIELD MI 48034
Nicholas J Elliott officer: Chief Alignment Officer 25505 WEST TWELVE MILE RD, SOUTHFIELD MI 48034
Arthur L Smith officer: Chief Analytics Officer 25505 W 12 MILE ROAD, SOUTHFIELD MI 48034
Sean Edward Quinn director C/O CIMPRESS PLC, 275 WYMAN STREET, WALTHAM MA 02451
Thomas W Smith 10 percent owner, other: Member of Section 13(d) Group 2200 BUTTS ROAD, SUITE 320, BOCA RATON FL 33431
Scott J Vassalluzzo director, 10 percent owner, other: Member of Section 13(d) Group 2200 BUTTS ROAD, SUITE 320, BOCA RATON FL 33431
Donald A. Foss Irrevocable Trust Dated August 14, 2022 10 percent owner 39395 W. TWELVE MILE ROAD, SUITE 200, FARMINGTON HILLS MI 48331
Daniel A. Ulatowski officer: Chief Sales Officer 25505 W 12 MILE ROAD, SOUTHFIELD MI 48034
Andrew K Rostami officer: Chief Mktg and Product Officer 25505 WEST TWELVE MILE ROAD, SOUTHFIELD MI 48034
Prescott General Partners Llc 10 percent owner, other: Member of Section 13(d) Group 2200 BUTTS ROAD, SUITE 320, BOCA RATON FL 33431
Ravi Mohan Valiyaveettil officer: Chief Technology Officer 25505 WEST TWELVE MILE RD, SOUTHFIELD MI 48034
Thomas N Tryforos director 323 RAILROAD AVE, GREENWICH CT 06830
Kenneth Booth officer: Chief Financial Officer 25505 WEST TWELVE MILE ROAD, SOUTHFIELD MI 48034
Donald A Foss director, 10 percent owner, officer: Chairman 29777 TELEGRAPH ROAD, SUITE 2611, SOUTHFIELD MI 48034

Credit Acceptance (Credit Acceptance) Headlines

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