NAS:CACC (USA) Also trade in: Germany

Credit Acceptance Corp

$ 485.03 -1.56 (-0.32%)
Volume: 12,357 Avg Vol (1m): 103,321
Market Cap $: 9.16 Bil Enterprise Value $: 13.28 Bil
P/E (TTM): 15.24 P/B: 4.51
Earnings Power Value 96.69
Net Current Asset Value 103.34
Tangible Book 107.81
Projected FCF 472.68
Median P/S Value 304.02
Graham Number 278.35
Peter Lynch Value 631.13
DCF (FCF Based) 1024.43
DCF (Earnings Based) 909.28
1Y (-%)

Financial Strength : 5/10

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.
Current vs industry vs history
Cash-to-Debt 0.02
Cash-To-Debt ranked lower than
93.54% of 449 companies
in the Credit Services industry.
Industry Max: 10000, Med: 8.43, Min: 0.01
CACC: 0.02
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0, Med: 0.03, Max: 10000
Current: 0.02
0
10000
Equity-to-Asset 0.30
Equity-to-Asset ranked lower than
60.29% of 413 companies
in the Credit Services industry.
Industry Max: 1, Med: 0.43, Min: -16.13
CACC: 0.3
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.16, Med: 0.29, Max: 0.63
Current: 0.3
0.16
0.63
Debt-to-Equity 2.07
Debt-to-Equity ranked lower than
58.18% of 220 companies
in the Credit Services industry.
Industry Max: 31.78, Med: 1.4, Min: 0.01
CACC: 2.07
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.08, Med: 1.34, Max: 2.55
Current: 2.07
0.08
2.55
Debt-to-EBITDA 4.27
Debt-to-EBITDA ranked higher than
63.25% of 283 companies
in the Credit Services industry.
Industry Max: 489.17, Med: 6.7, Min: 0.03
CACC: 4.27
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 1.87, Med: 3.28, Max: 4.27
Current: 4.27
1.87
4.27
Interest Coverage 6.42
Interest Coverage ranked lower than
56.72% of 402 companies
in the Credit Services industry.
Industry Max: 10000, Med: 7.5, Min: 0.01
CACC: 6.42
Ranked among companies with meaningful Interest Coverage only.
Interest Coverage range over the past 10 years
Min: 5.82, Med: 6.43, Max: 8.81
Current: 6.42
5.82
8.81
Piotroski F-Score 7
0
1
2
3
4
5
6
7
8
9
Altman Z-Score 3.39
DISTRESS
GREY
SAFE
Beneish M-Score -2.30
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 14.8%
WACC 6.33%

Profitability & Growth : 9/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Operating Margin % 79.86
Operating Margin ranked higher than
80.59% of 438 companies
in the Credit Services industry.
Industry Max: 349450, Med: 19.77, Min: -7041.41
CACC: 79.86
Ranked among companies with meaningful Operating Margin only.
Operating Margin range over the past 10 years
Min: 63.42, Med: 67.62, Max: 79.86
Current: 79.86
63.42
79.86
Net Margin % 46.00
Net Margin ranked higher than
83.56% of 438 companies
in the Credit Services industry.
Industry Max: 349450, Med: 13.22, Min: -11643.24
CACC: 46
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 34.34, Med: 36.95, Max: 46
Current: 46
34.34
46
ROE % 32.65
ROE ranked higher than
94.50% of 436 companies
in the Credit Services industry.
Industry Max: 190103.22, Med: 6.88, Min: -6112.96
CACC: 32.65
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 31.67, Med: 35.83, Max: 37.82
Current: 32.65
31.67
37.82
ROA % 10.09
ROA ranked higher than
87.86% of 453 companies
in the Credit Services industry.
Industry Max: 185.91, Med: 2.32, Min: -914.31
CACC: 10.09
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 8.77, Med: 10.66, Max: 13.5
Current: 10.09
8.77
13.5
ROC (Joel Greenblatt) % 16.79
ROC (Joel Greenblatt) ranked higher than
92.62% of 366 companies
in the Credit Services industry.
Industry Max: 24326.53, Med: 13.96, Min: -25896.1
CACC: 16.79
Ranked among companies with meaningful ROC (Joel Greenblatt) only.
ROC (Joel Greenblatt) range over the past 10 years
Min: 16.13, Med: 21.03, Max: 1498.74
Current: 16.79
16.13
1498.74
3-Year Total Revenue Growth Rate 15.90
3-Year Revenue Growth Rate ranked higher than
73.60% of 356 companies
in the Credit Services industry.
Industry Max: 1159, Med: 6.6, Min: -100
CACC: 18.7
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: 0.8, Med: 19.6, Max: 50
Current: 18.7
0.8
50
3-Year Total EBITDA Growth Rate 18.10
3-Year EBITDA Growth Rate ranked higher than
67.83% of 314 companies
in the Credit Services industry.
Industry Max: 397.7, Med: 7.1, Min: -162.8
CACC: 21
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
3-Year EBITDA Growth Rate range over the past 10 years
Min: 0, Med: 19.7, Max: 57.6
Current: 21
0
57.6
3-Year EPS w/o NRI Growth Rate 27.20
3-Year EPS w/o NRI Growth Rate ranked higher than
71.67% of 300 companies
in the Credit Services industry.
Industry Max: 1125.7, Med: 8, Min: -132.1
CACC: 27.2
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 23, Max: 160.4
Current: 27.2
0
160.4

» CACC's 30-Y Financials

Financials (Next Earnings Date: 2019-07-31)

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Business Description

Industry Credit Services » Credit Services    NAICS : 522220    SIC : 6141
Compare NYSE:WU COL:CSF.N0000 NYSE:ADS XPAR:EDEN TSE:8572 TPE:5871 XTER:GLJ TSE:8593 BOM:532810 NYSE:OMF NAS:SLM NAS:FCFS BOM:532955 BOM:533398 BOM:533519 NSE:M&MFIN NSE:SRTRANSFIN TSE:8570 BKK:MTC NSE:CHOLAFIN
Traded in other countries 2D5.Germany
Address 25505 West Twelve Mile Road, Southfield, MI, USA, 48034-8339
Credit Acceptance 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.

Ratios

Current vs industry vs history
PE Ratio (TTM) 15.19
PE Ratio ranked higher than
57.43% of 343 companies
in the Credit Services industry.
Industry Max: 12291.33, Med: 16.14, Min: 0.03
CACC: 15.19
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 6.34, Med: 12.09, Max: 18.95
Current: 15.19
6.34
18.95
Forward PE Ratio 14.27
Forward P/E ranked lower than
57.81% of 64 companies
in the Credit Services industry.
Industry Max: 56.5, Med: 12.5, Min: 0.06
CACC: 14.27
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 15.19
PE without NRI ranked higher than
57.82% of 339 companies
in the Credit Services industry.
Industry Max: 12291.33, Med: 16.11, Min: 0.03
CACC: 15.19
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 6.34, Med: 12.1, Max: 18.95
Current: 15.19
6.34
18.95
Price-to-Owner-Earnings 13.98
Price-to-Owner-Earnings ranked higher than
53.92% of 102 companies
in the Credit Services industry.
Industry Max: 1561.11, Med: 14.62, Min: 0.35
CACC: 13.98
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 4.25, Med: 10.24, Max: 18.44
Current: 13.98
4.25
18.44
PB Ratio 4.49
PB Ratio ranked lower than
86.84% of 418 companies
in the Credit Services industry.
Industry Max: 2284.63, Med: 1.19, Min: 0.04
CACC: 4.49
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 1.2, Med: 3.87, Max: 6.3
Current: 4.49
1.2
6.3
PS Ratio 7.03
PS Ratio ranked lower than
68.84% of 414 companies
in the Credit Services industry.
Industry Max: 1151.59, Med: 3.46, Min: 0.01
CACC: 7.03
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 1.35, Med: 4.39, Max: 7.53
Current: 7.03
1.35
7.53
Price-to-Free-Cash-Flow 13.49
Price-to-Free-Cash-Flow ranked lower than
60.58% of 104 companies
in the Credit Services industry.
Industry Max: 1671.38, Med: 8.52, Min: 0.45
CACC: 13.49
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 2.86, Med: 9.2, Max: 14.68
Current: 13.49
2.86
14.68
Price-to-Operating-Cash-Flow 12.96
Price-to-Operating-Cash-Flow ranked lower than
64.57% of 127 companies
in the Credit Services industry.
Industry Max: 2660, Med: 7.24, Min: 0.45
CACC: 12.96
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 2.74, Med: 9.04, Max: 14.55
Current: 12.96
2.74
14.55
EV-to-EBIT 13.65
EV-to-EBIT ranked higher than
56.25% of 352 companies
in the Credit Services industry.
Industry Max: 57054.38, Med: 16.26, Min: 0.08
CACC: 13.65
Ranked among companies with meaningful EV-to-EBIT only.
EV-to-EBIT range over the past 10 years
Min: 6.2, Med: 9.8, Max: 16.1
Current: 13.65
6.2
16.1
EV-to-EBITDA 13.37
EV-to-EBITDA ranked higher than
53.55% of 366 companies
in the Credit Services industry.
Industry Max: 57054.38, Med: 14.65, Min: 0.08
CACC: 13.37
Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA range over the past 10 years
Min: 6, Med: 9.5, Max: 15.7
Current: 13.37
6
15.7
EV-to-Revenue 9.88
EV-to-Revenue ranked lower than
67.06% of 425 companies
in the Credit Services industry.
Industry Max: 95879.51, Med: 5.35, Min: 0.03
CACC: 9.88
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 3.4, Med: 6.5, Max: 10.5
Current: 9.88
3.4
10.5
PEG Ratio 0.80
PEG Ratio ranked higher than
57.89% of 133 companies
in the Credit Services industry.
Industry Max: 257.2, Med: 0.97, Min: 0.01
CACC: 0.8
Ranked among companies with meaningful PEG Ratio only.
PEG Ratio range over the past 10 years
Min: 0.26, Med: 0.65, Max: 12.53
Current: 0.8
0.26
12.53
Shiller PE Ratio 32.49
Shiller PE Ratio ranked lower than
80.30% of 66 companies
in the Credit Services industry.
Industry Max: 128.8, Med: 17.29, Min: 1.21
CACC: 32.49
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 10.73, Med: 26.49, Max: 40.05
Current: 32.49
10.73
40.05
Current Ratio 34.71
Current Ratio ranked lower than
57.34% of 218 companies
in the Credit Services industry.
Industry Max: 2247.35, Med: 2.4, Min: 0.01
CACC: 34.71
Ranked among companies with meaningful Current Ratio only.
Current Ratio range over the past 10 years
Min: 0.03, Med: 0.72, Max: 36.67
Current: 34.71
0.03
36.67
Quick Ratio 34.71
Quick Ratio ranked lower than
56.88% of 218 companies
in the Credit Services industry.
Industry Max: 2247.35, Med: 2.4, Min: 0.01
CACC: 34.71
Ranked among companies with meaningful Quick Ratio only.
Quick Ratio range over the past 10 years
Min: 0.03, Med: 0.72, Max: 36.67
Current: 34.71
0.03
36.67
Days Sales Outstanding 1.00
Days Sales Outstanding ranked lower than
100.00% of 218 companies
in the Credit Services industry.
Industry Max: 928.93, Med: 19.27, Min: 0.03
CACC: 1
Ranked among companies with meaningful Days Sales Outstanding only.
Days Sales Outstanding range over the past 10 years
Min: 1, Med: 1319.71, Max: 1636.03
Current: 1
1
1636.03

Dividend & Buy Back

Current vs industry vs history
3-Year Share Buyback Rate 2.00
3-Year Share Buyback Rate ranked higher than
87.63% of 194 companies
in the Credit Services industry.
Industry Max: 26, Med: -3.7, Min: -404.3
CACC: 2
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -3.8, Med: 3.25, Max: 10.5
Current: 2
-3.8
10.5

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 4.50
Price-to-Tangible-Book ranked lower than
85.33% of 409 companies
in the Credit Services industry.
Industry Max: 2322.04, Med: 1.26, Min: 0.04
CACC: 4.5
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.63, Med: 3.46, Max: 11.38
Current: 4.5
0.63
11.38
Price-to-Projected-FCF 1.03
Price-to-Intrinsic-Value-Projected-FCF ranked higher than
53.33% of 90 companies
in the Credit Services industry.
Industry Max: 23.81, Med: 1.01, Min: 0.05
CACC: 1.03
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.2, Med: 0.67, Max: 1.28
Current: 1.03
0.2
1.28
Price-to-DCF (Earnings Based) 0.53
Price-to-Intrinsic-Value-DCF (Earnings Based) ranked higher than
85.71% of 21 companies
in the Credit Services industry.
Industry Max: 2.76, Med: 0.79, Min: 0.14
CACC: 0.53
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
Price-to-Intrinsic-Value-DCF (Earnings Based) range over the past 10 years
Min: 0.33, Med: 0.45, Max: 0.63
Current: 0.53
0.33
0.63
Price-to-Median-PS-Value 1.60
Price-to-Median-PS-Value ranked lower than
75.96% of 366 companies
in the Credit Services industry.
Industry Max: 31, Med: 1, Min: 0.01
CACC: 1.6
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.31, Med: 0.98, Max: 3.92
Current: 1.6
0.31
3.92
Price-to-Peter-Lynch-Fair-Value 0.77
Price-to-Peter-Lynch-Fair-Value ranked higher than
61.90% of 84 companies
in the Credit Services industry.
Industry Max: 394.94, Med: 0.93, Min: 0.16
CACC: 0.77
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
Price-to-Peter-Lynch-Fair-Value range over the past 10 years
Min: 0.26, Med: 0.55, Max: 10.33
Current: 0.77
0.26
10.33
Price-to-Graham-Number 1.74
Price-to-Graham-Number ranked lower than
70.85% of 199 companies
in the Credit Services industry.
Industry Max: 1124.21, Med: 1.07, Min: 0.02
CACC: 1.74
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.47, Med: 1.41, Max: 4.5
Current: 1.74
0.47
4.5
Earnings Yield (Joel Greenblatt) % 7.34
Earnings Yield (Greenblatt) ranked higher than
66.08% of 454 companies
in the Credit Services industry.
Industry Max: 1250, Med: 4.38, Min: -434.78
CACC: 7.34
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
Earnings Yield (Greenblatt) range over the past 10 years
Min: 6.2, Med: 10.2, Max: 16.1
Current: 7.34
6.2
16.1
Forward Rate of Return (Yacktman) % 25.04
Forward Rate of Return ranked higher than
93.60% of 172 companies
in the Credit Services industry.
Industry Max: 154.45, Med: 8.48, Min: -140.02
CACC: 25.04
Ranked among companies with meaningful Forward Rate of Return only.
Forward Rate of Return range over the past 10 years
Min: 10.9, Med: 26.2, Max: 28.8
Current: 25.04
10.9
28.8

More Statistics

Revenue (TTM) (Mil) $ 1,344
EPS (TTM) $ 31.94
Beta 0.88
Volatility % 28.51
52-Week Range $ 347.99 - 509.99
Shares Outstanding (Mil) 18.8

Analyst Estimate

Piotroski F-Score Details

Piotroski F-Score 7
Positive ROA Y
Positive CFROA Y
Higher ROA yoy Y
CFROA > ROA Y
Lower Leverage yoy Y
Higher Current Ratio yoy Y
Less Shares Outstanding yoy Y
Higher Gross Margin yoy N
Higher Asset Turnover yoy N