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 (-%)
Manual of Stocks™ Web
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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
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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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
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
|
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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
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 |
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