Business Description
Credit Acceptance Corp
NAICS : 522220
SIC : 6141
Description
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.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Equity-to-Asset | 0.23 | |||||
| Debt-to-Equity | 2.91 | |||||
| Debt-to-EBITDA | 5.38 | |||||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 6/9 | |||||
| Altman Z-Score | 2.73 | |||||
| Beneish M-Score | -2.76 | |||||
| WACC vs ROIC | ||||||
Growth Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 20.5 | |||||
| 3-Year EBITDA Growth Rate | 26.3 | |||||
| 3-Year EPS without NRI Growth Rate | 26.5 | |||||
| 3-Year FCF Growth Rate | 23.8 | |||||
| 3-Year Book Growth Rate | 7.1 | |||||
| Future 3-5Y Total Revenue Growth Rate | 3.62 |
Momentum Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 72.04 | |||||
| 9-Day RSI | 52.1 | |||||
| 14-Day RSI | 43.96 | |||||
| 6-1 Month Momentum % | -5.01 | |||||
| 12-1 Month Momentum % | -10.1 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Current Ratio | 28.18 | |||||
| Quick Ratio | 28.18 | |||||
| Cash Ratio | 0.04 | |||||
| Days Payable | 194.01 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Average Share Buyback Ratio | 9.3 |
Profitability Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Gross Margin % | 77.14 | |||||
| Operating Margin % | 45.38 | |||||
| Net Margin % | 34.1 | |||||
| ROE % | 36.76 | |||||
| ROA % | 8.9 | |||||
| ROIC % | 9.21 | |||||
| ROC (Joel Greenblatt) % | 302.64 | |||||
| ROCE % | 12.24 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 10.21 | |||||
| Forward PE Ratio | 9.69 | |||||
| PE Ratio without NRI | 10.21 | |||||
| Shiller PE Ratio | 15.19 | |||||
| Price-to-Owner-Earnings | 9.27 | |||||
| PEG Ratio | 0.57 | |||||
| PS Ratio | 3.41 | |||||
| PB Ratio | 3.65 | |||||
| Price-to-Tangible-Book | 3.65 | |||||
| Price-to-Free-Cash-Flow | 5.77 | |||||
| Price-to-Operating-Cash-Flow | 5.75 | |||||
| EV-to-EBIT | 12.5 | |||||
| EV-to-EBITDA | 12.12 | |||||
| EV-to-Revenue | 5.67 | |||||
| EV-to-Forward-Revenue | 5.55 | |||||
| EV-to-FCF | 9.65 | |||||
| Price-to-Projected-FCF | 0.43 | |||||
| Price-to-DCF (Earnings Based) | 0.28 | |||||
| Price-to-DCF (FCF Based) | 0.16 | |||||
| Price-to-Median-PS-Value | 0.7 | |||||
| Price-to-Peter-Lynch-Fair-Value | 0.43 | |||||
| Price-to-Graham-Number | 1.29 | |||||
| Price-to-Net-Current-Asset-Value | 4.03 | |||||
| Earnings Yield (Greenblatt) % | 8 | |||||
| Forward Rate of Return (Yacktman) % | 31.88 |
