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Also traded in: Germany

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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.02
NAS:CACC's Cash-to-Debt is ranked lower than
95% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 2.52 vs. NAS:CACC: 0.02 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:CACC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 0.03 Max: No Debt
Current: 0.02
Equity-to-Asset 0.26
NAS:CACC's Equity-to-Asset is ranked lower than
68% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 vs. NAS:CACC: 0.26 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:CACC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.16  Med: 0.29 Max: 0.63
Current: 0.26
0.16
0.63
Debt-to-Equity 2.42
NAS:CACC's Debt-to-Equity is ranked lower than
65% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. NAS:CACC: 2.42 )
Ranked among companies with meaningful Debt-to-Equity only.
NAS:CACC' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.08  Med: 1.09 Max: 2.55
Current: 2.42
0.08
2.55
Debt-to-EBITDA 4.28
NAS:CACC's Debt-to-EBITDA is ranked higher than
65% of the 276 Companies
in the Global Credit Services industry.

( Industry Median: 6.81 vs. NAS:CACC: 4.28 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NAS:CACC' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.87  Med: 3.31 Max: 4.29
Current: 4.28
1.87
4.29
Interest Coverage 5.33
NAS:CACC's Interest Coverage is ranked lower than
55% of the 380 Companies
in the Global Credit Services industry.

( Industry Median: 9.45 vs. NAS:CACC: 5.33 )
Ranked among companies with meaningful Interest Coverage only.
NAS:CACC' s Interest Coverage Range Over the Past 10 Years
Min: 2.27  Med: 5.43 Max: 7.42
Current: 5.33
2.27
7.42
Piotroski F-Score: 5
Altman Z-Score: 2.04
Beneish M-Score: -2.59
WACC vs ROIC
4.27%
9.65%
WACC
ROIC
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 : 8/10

vs
industry
vs
history
Operating Margin % 55.63
NAS:CACC's Operating Margin % is ranked higher than
83% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 18.01 vs. NAS:CACC: 55.63 )
Ranked among companies with meaningful Operating Margin % only.
NAS:CACC' s Operating Margin % Range Over the Past 10 Years
Min: 34.28  Med: 56.89 Max: 60.17
Current: 55.63
34.28
60.17
Net Margin % 35.13
NAS:CACC's Net Margin % is ranked higher than
78% of the 415 Companies
in the Global Credit Services industry.

( Industry Median: 12.72 vs. NAS:CACC: 35.13 )
Ranked among companies with meaningful Net Margin % only.
NAS:CACC' s Net Margin % Range Over the Past 10 Years
Min: 21.52  Med: 36.19 Max: 38.48
Current: 35.13
21.52
38.48
ROE % 31.38
NAS:CACC's ROE % is ranked higher than
93% of the 412 Companies
in the Global Credit Services industry.

( Industry Median: 7.38 vs. NAS:CACC: 31.38 )
Ranked among companies with meaningful ROE % only.
NAS:CACC' s ROE % Range Over the Past 10 Years
Min: 22.27  Med: 35.83 Max: 37.82
Current: 31.38
22.27
37.82
ROA % 8.46
NAS:CACC's ROA % is ranked higher than
86% of the 427 Companies
in the Global Credit Services industry.

( Industry Median: 2.26 vs. NAS:CACC: 8.46 )
Ranked among companies with meaningful ROA % only.
NAS:CACC' s ROA % Range Over the Past 10 Years
Min: 6.45  Med: 10.64 Max: 13.5
Current: 8.46
6.45
13.5
ROC (Joel Greenblatt) % 481.73
NAS:CACC's ROC (Joel Greenblatt) % is ranked higher than
93% of the 336 Companies
in the Global Credit Services industry.

( Industry Median: 12.91 vs. NAS:CACC: 481.73 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
NAS:CACC' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 481.73  Med: 1134.46 Max: 2081.8
Current: 481.73
481.73
2081.8
3-Year Revenue Growth Rate 18.70
NAS:CACC's 3-Year Revenue Growth Rate is ranked higher than
70% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 7.00 vs. NAS:CACC: 18.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:CACC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0.8  Med: 20.8 Max: 50
Current: 18.7
0.8
50
3-Year EBITDA Growth Rate 16.70
NAS:CACC's 3-Year EBITDA Growth Rate is ranked higher than
66% of the 306 Companies
in the Global Credit Services industry.

( Industry Median: 6.30 vs. NAS:CACC: 16.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:CACC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 17.95 Max: 317.3
Current: 16.7
0
317.3
3-Year EPS without NRI Growth Rate 15.70
NAS:CACC's 3-Year EPS without NRI Growth Rate is ranked higher than
63% of the 297 Companies
in the Global Credit Services industry.

( Industry Median: 7.40 vs. NAS:CACC: 15.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:CACC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -60.6  Med: 23 Max: 160.4
Current: 15.7
-60.6
160.4
GuruFocus has detected 5 Warning Signs with Credit Acceptance Corp NAS:CACC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:CACC's 30-Y Financials

Financials (Next Earnings Date: 2017-11-01)


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2016

CACC Guru Trades in Q3 2016

George Soros 34,932 sh (New)
Paul Tudor Jones 1,500 sh (+15.38%)
Seth Klarman 100,000 sh (unchged)
David Dreman 43 sh (unchged)
Mario Gabelli 3,970 sh (-0.13%)
Murray Stahl 2,070 sh (-16.83%)
» More
Q4 2016

CACC Guru Trades in Q4 2016

Jeremy Grantham 142,681 sh (New)
David Dreman 2,125 sh (+4841.86%)
Seth Klarman 244,400 sh (+144.40%)
George Soros 46,500 sh (+33.12%)
Paul Tudor Jones Sold Out
Mario Gabelli 3,830 sh (-3.53%)
Murray Stahl 1,956 sh (-5.51%)
» More
Q1 2017

CACC Guru Trades in Q1 2017

Columbia Wanger 99,606 sh (New)
Joel Greenblatt 1,352 sh (New)
Ruane Cunniff 965,117 sh (New)
Jeremy Grantham 203,000 sh (+42.28%)
David Dreman 2,125 sh (unchged)
George Soros 46,500 sh (unchged)
Mario Gabelli 3,830 sh (unchged)
Seth Klarman 244,400 sh (unchged)
Murray Stahl Sold Out
» More
Q2 2017

CACC Guru Trades in Q2 2017

Ruane Cunniff 1,079,755 sh (+11.88%)
Columbia Wanger 99,606 sh (unchged)
Jeremy Grantham 203,000 sh (unchged)
Mario Gabelli Sold Out
Joel Greenblatt Sold Out
David Dreman 1,643 sh (-22.68%)
George Soros 25,600 sh (-44.95%)
Seth Klarman 98,700 sh (-59.62%)
» More
» Details

Insider Trades

Latest Guru Trades with NAS: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
Ruane Cunniff 2017-06-30 Add 11.88%0.27%$186 - $262.55 $ 285.1431%1,079,755
Seth Klarman 2017-06-30 Reduce -59.62%0.35%$186 - $262.55 $ 285.1431%98,700
George Soros 2017-06-30 Reduce -44.95%0.12%$186 - $262.55 $ 285.1431%25,600
David Dreman 2017-06-30 Reduce -22.68%0.05%$186 - $262.55 $ 285.1431%1,643
Joel Greenblatt 2017-06-30 Sold Out $186 - $262.55 $ 285.1431%0
Mario Gabelli 2017-06-30 Sold Out $186 - $262.55 $ 285.1431%0
Ruane Cunniff 2017-03-31 New Buy1.82%$185.37 - $220.62 $ 285.1442%965,117
Joel Greenblatt 2017-03-31 New Buy$185.37 - $220.62 $ 285.1442%1,352
Seth Klarman 2016-12-31 Add 144.40%0.41%$163.09 - $219.09 $ 285.1447%244,400
George Soros 2016-12-31 Add 33.12%0.08%$163.09 - $219.09 $ 285.1447%46,500
Mario Gabelli 2016-12-31 Reduce -3.53%$163.09 - $219.09 $ 285.1447%3,830
David Dreman 2016-12-31 Add 4841.86%0.25%$163.09 - $219.09 $ 285.1447%2,125
Premium More recent guru trades are included for Premium Members only!!
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Business Description

Industry: Credit Services » Credit Services    NAICS: 522220    SIC: 6141
Compare:BOM:533519, BOM:532810, NAS:SLM, BOM:532955, TSE:8593, TSE:8572, TSE:8570, XPAR:EDEN, NAS:NAVI, NYSE:OMF, NSE:M&MFIN, NSE:SRTRANSFIN, XKRX:029780, COL:CSF.N0000, TSE:8253, HKSE:08207, NYSE:FCFS, HKSE:01606, BOM:533398, TSX:EFN » details
Traded in other countries:2D5.Germany,
Headquarter Location:USA
Credit Acceptance Corp is a consumer finance company that offers automobile dealers financing programs that enables them to sell vehicles to consumers regardless of their credit history.

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

Guru Investment Theses on Credit Acceptance Corp

Ruane Cunniff Comments on Credit Acceptance - Aug 03, 2017

Credit Acceptance (NASDAQ:CACC) is one of the country’s largest independent subprime auto lenders. It works with an extensive network of independent and franchised used car dealers to extend credit to buyers whose spotty or limited credit histories would otherwise prevent them from obtaining car loans.



Subprime auto lending is a difficult business that rewards experienced operators who practice disciplined underwriting and punishes those who attempt to buy growth by relaxing their lending standards. We’ve seen plenty of the latter behavior in recent years as competition from new entrants has caused lending standards to weaken visibly. The easy lending environment has made the auto finance industry fragile, and has already led to elevated levels of defaults and delinquencies. We would expect defaults to rise sharply from current levels if the economy took a turn for the worse.



While we acknowledge the risks in the industry, we believe that Credit Acceptance’s differentiated business model makes the firm more resilient in downturns than a casual observer might appreciate. The business underwent a severe test during the financial crisis in 2008 and passed with flying colors, as Credit Acceptance increased earnings per share in both 2008 and 2009. We purchased our stake for slightly more than 10x estimated 2017 earnings.



From Ruane Cunniff (Trades, Portfolio)'s Sequoia Fund second quarter 2017 commentary.



Check out First Eagle Investment latest stock trades

Top Ranked Articles about Credit Acceptance Corp

Credit Acceptance Named One of the Best Workplaces for Women by Great Place to Work® and Fortune
Ruane Cunniff Comments on Credit Acceptance Guru stock highlight
Credit Acceptance (NASDAQ:CACC) is one of the country’s largest independent subprime auto lenders. It works with an extensive network of independent and franchised used car dealers to extend credit to buyers whose spotty or limited credit histories would otherwise prevent them from obtaining car loans. Read more...
Credit Acceptance Named to Metropolitan Detroit’s Best and Brightest Companies to Work For® List
Credit Acceptance Announces Timing of Second Quarter 2017 Earnings Release and Webcast
Credit Acceptance Announces Extension of Revolving Secured Warehouse Facility
Credit Acceptance Named #2 Midsize Company on IDG’s Computerworld 2017 List of Best Places to Work in IT
Credit Acceptance Announces Increase and Extension of Revolving Secured Warehouse Facility
Credit Acceptance Announces Timing of First Quarter 2017 Earnings Release and Webcast
Credit Acceptance Named to the 2017 Best Workplaces in Financial Services & Insurance List by Great Place to Work® and Fortune

Southfield, Michigan, March 30, 2017 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation ( CACC) (referred to as the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) has earned an additional award based on a ranking released by Great Place to Work® and Fortune. Credit Acceptance was named to the 2017 Best Workplaces in Financial Services & Insurance list for the second year in a row. We were named No. 10 among the country’s 40 Best Workplaces in Financial Services & Insurance based on surveys from more than 62,000 people working at leading financial firms. We earned this ranking based on team members’ responses to questions about how frequently they experience the behaviors that create a great workplace, which include leadership strength, benefit quality, opportunities for professional growth and support for work-life balance among other factors. To see the complete 2017 List of 40 Best Workplaces in Financial Services & Insurance, visit greatplacetowork.com/best-workplaces/finance-insurance/2017. About Credit Acceptance Since 1972, Credit Acceptance has offered financing programs that enable automobile dealers to sell vehicles to consumers, regardless of their credit history.  Our financing programs are 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 our financing programs, but who actually end up qualifying for traditional financing. Without our financing programs, consumers are often unable to purchase vehicles or they purchase unreliable ones.  Further, as we report to the three national credit reporting agencies, an important ancillary benefit of our programs is that we provide consumers with an opportunity to improve their lives by improving their credit score and move on to more traditional sources of financing.  Credit Acceptance is publicly traded on the NASDAQ under the symbol CACC.  For more information, visit creditacceptance.com. About The Best Workplaces in Financial Services & Insurance The Best Workplaces in Financial Services & Insurance rankings are based on feedback from 62,450 employees at Great Place to Work–Certified organizations in these sectors. Employees completed an anonymous Trust Index© survey, answering questions about how frequently they experience the building blocks of a great workplace. Employees rated leadership strength and integrity, pride in their work and organization, opportunities for professional growth and support for work-life balance, among other factors. Results from the survey are highly reliable, having a 95 percent confidence level and a margin of error of 5 percent or less.

Investor Relations: Douglas W. Busk
Senior Vice President and Treasurer
(248) 353-2700 Ext. 4432
[email protected]

Read more...
Credit Acceptance Named to the 2017 Fortune 100 Best Companies to Work for List by Great Place to Work® and Fortune

Southfield, Michigan, March 10, 2017 (GLOBE NEWSWIRE) -- Credit Acceptance has been named, for a fourth year in a row, as one of the 2017 Fortune 100 Best Companies to Work For. The list recognizes companies that have exceptional workplace cultures. We were ranked #43 out of the best companies in America. Credit Acceptance was selected among hundreds of companies vying for a place on the list this year. Applicant companies opt to participate in the selection process, which includes an employee survey and an in-depth questionnaire about their programs and company practices. Great Place to Work® then evaluates each application using its unique methodology based on five dimensions: credibility, respect, fairness, pride and camaraderie. Great Place to Work®, creators of the methodology behind the list, has found that employees believe they work for great organizations when they consistently trust the people they work for, have pride in what they do and enjoy the people they work with. To see the complete 2017 Fortune 100 Best Companies to Work For® list and to learn more about how to build a high-trust workplace culture, visit greatplacetowork.com. About Credit Acceptance Since 1972, Credit Acceptance has offered financing programs that enable automobile dealers to sell vehicles to consumers, regardless of their credit history.  Our financing programs are 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 our financing programs, but who actually end up qualifying for traditional financing. Without our financing programs, consumers are often unable to purchase vehicles or they purchase unreliable ones.  Further, as we report to the three national credit reporting agencies, an important ancillary benefit of our programs is that we provide consumers with an opportunity to improve their lives by improving their credit score and move on to more traditional sources of financing.  Credit Acceptance is publicly traded on the NASDAQ under the symbol CACC.  For more information, visit creditacceptance.com. About Great Place to Work Great Place to Work® is a global authority on high-trust, high-performance workplace cultures. Through proprietary assessment tools, advisory services, and certification programs, including Best Workplaces lists and workplace reviews, Great Place to Work® provides the benchmarks, framework, and expertise needed to create, sustain, and recognize outstanding workplace cultures. In the United States, Great Place to Work® produces the annual Fortune "100 Best Companies to Work For®" list and a series of Great Place to Work® Best Workplaces lists including lists for Millennials, Women, Diversity, Small and Medium Companies and over a half dozen different industries. Great Place to Work® provides executive advisory and culture consulting services to businesses, non-profits, and government agencies in over 50 countries across six continents.
Investor Relations: Douglas W. Busk
Senior Vice President and Treasurer
(248) 353-2700 Ext. 4432
[email protected]


Read more...

Ratios

vs
industry
vs
history
PE Ratio 15.57
CACC's PE Ratio is ranked higher than
54% of the 331 Companies
in the Global Credit Services industry.

( Industry Median: 16.79 vs. CACC: 15.57 )
Ranked among companies with meaningful PE Ratio only.
CACC' s PE Ratio Range Over the Past 10 Years
Min: 6.34  Med: 11.87 Max: 19.96
Current: 15.57
6.34
19.96
Forward PE Ratio 13.21
CACC's Forward PE Ratio is ranked lower than
60% of the 50 Companies
in the Global Credit Services industry.

( Industry Median: 12.03 vs. CACC: 13.21 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 15.57
CACC's PE Ratio without NRI is ranked higher than
54% of the 329 Companies
in the Global Credit Services industry.

( Industry Median: 16.79 vs. CACC: 15.57 )
Ranked among companies with meaningful PE Ratio without NRI only.
CACC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.34  Med: 11.88 Max: 19.84
Current: 15.57
6.34
19.84
Price-to-Owner-Earnings 14.86
CACC's Price-to-Owner-Earnings is ranked higher than
51% of the 104 Companies
in the Global Credit Services industry.

( Industry Median: 15.20 vs. CACC: 14.86 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CACC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.25  Med: 10.19 Max: 18.15
Current: 14.86
4.25
18.15
PB Ratio 4.42
CACC's PB Ratio is ranked lower than
88% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 1.21 vs. CACC: 4.42 )
Ranked among companies with meaningful PB Ratio only.
CACC' s PB Ratio Range Over the Past 10 Years
Min: 1.2  Med: 3.71 Max: 6.3
Current: 4.42
1.2
6.3
PS Ratio 5.46
CACC's PS Ratio is ranked lower than
63% of the 401 Companies
in the Global Credit Services industry.

( Industry Median: 3.46 vs. CACC: 5.46 )
Ranked among companies with meaningful PS Ratio only.
CACC' s PS Ratio Range Over the Past 10 Years
Min: 1.35  Med: 4.2 Max: 7.24
Current: 5.46
1.35
7.24
Price-to-Free-Cash-Flow 10.74
CACC's Price-to-Free-Cash-Flow is ranked lower than
54% of the 92 Companies
in the Global Credit Services industry.

( Industry Median: 9.76 vs. CACC: 10.74 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CACC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.86  Med: 8.82 Max: 14.67
Current: 10.74
2.86
14.67
Price-to-Operating-Cash-Flow 10.59
CACC's Price-to-Operating-Cash-Flow is ranked lower than
57% of the 117 Companies
in the Global Credit Services industry.

( Industry Median: 8.50 vs. CACC: 10.59 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CACC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.74  Med: 8.65 Max: 14.55
Current: 10.59
2.74
14.55
EV-to-EBIT 12.26
CACC's EV-to-EBIT is ranked higher than
63% of the 345 Companies
in the Global Credit Services industry.

( Industry Median: 17.60 vs. CACC: 12.26 )
Ranked among companies with meaningful EV-to-EBIT only.
CACC' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.2  Med: 9.6 Max: 14
Current: 12.26
6.2
14
EV-to-EBITDA 11.98
CACC's EV-to-EBITDA is ranked higher than
60% of the 350 Companies
in the Global Credit Services industry.

( Industry Median: 15.57 vs. CACC: 11.98 )
Ranked among companies with meaningful EV-to-EBITDA only.
CACC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6  Med: 9.3 Max: 13.6
Current: 11.98
6
13.6
EV-to-Revenue 8.11
CACC's EV-to-Revenue is ranked lower than
62% of the 408 Companies
in the Global Credit Services industry.

( Industry Median: 5.42 vs. CACC: 8.11 )
Ranked among companies with meaningful EV-to-Revenue only.
CACC' s EV-to-Revenue Range Over the Past 10 Years
Min: 3.4  Med: 6 Max: 9.6
Current: 8.11
3.4
9.6
PEG Ratio 0.86
CACC's PEG Ratio is ranked higher than
57% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 0.98 vs. CACC: 0.86 )
Ranked among companies with meaningful PEG Ratio only.
CACC' s PEG Ratio Range Over the Past 10 Years
Min: 0.27  Med: 0.46 Max: 0.91
Current: 0.86
0.27
0.91
Shiller PE Ratio 29.40
CACC's Shiller PE Ratio is ranked lower than
73% of the 56 Companies
in the Global Credit Services industry.

( Industry Median: 15.56 vs. CACC: 29.40 )
Ranked among companies with meaningful Shiller PE Ratio only.
CACC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.64  Med: 25.53 Max: 40.65
Current: 29.4
10.64
40.65
Current Ratio 2.76
CACC's Current Ratio is ranked higher than
56% of the 200 Companies
in the Global Credit Services industry.

( Industry Median: 2.21 vs. CACC: 2.76 )
Ranked among companies with meaningful Current Ratio only.
CACC' s Current Ratio Range Over the Past 10 Years
Min: 0.34  Med: 0.79 Max: 3.08
Current: 2.76
0.34
3.08
Quick Ratio 2.76
CACC's Quick Ratio is ranked higher than
56% of the 200 Companies
in the Global Credit Services industry.

( Industry Median: 2.18 vs. CACC: 2.76 )
Ranked among companies with meaningful Quick Ratio only.
CACC' s Quick Ratio Range Over the Past 10 Years
Min: 0.34  Med: 0.79 Max: 3.08
Current: 2.76
0.34
3.08

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 4.70
CACC's 3-Year Average Share Buyback Ratio is ranked higher than
94% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: -2.50 vs. CACC: 4.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CACC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -3.8  Med: 3.85 Max: 10.5
Current: 4.7
-3.8
10.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 4.41
CACC's Price-to-Tangible-Book is ranked lower than
87% of the 398 Companies
in the Global Credit Services industry.

( Industry Median: 1.28 vs. CACC: 4.41 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CACC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.63  Med: 3.16 Max: 11.38
Current: 4.41
0.63
11.38
Price-to-Intrinsic-Value-Projected-FCF 0.84
CACC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
67% of the 90 Companies
in the Global Credit Services industry.

( Industry Median: 1.16 vs. CACC: 0.84 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CACC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.2  Med: 0.64 Max: 1.28
Current: 0.84
0.2
1.28
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.55
CACC's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked higher than
77% of the 22 Companies
in the Global Credit Services industry.

( Industry Median: 0.86 vs. CACC: 0.55 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
CACC' s Price-to-Intrinsic-Value-DCF (Earnings Based) Range Over the Past 10 Years
Min: 0.33  Med: 0.47 Max: 1.38
Current: 0.55
0.33
1.38
Price-to-Median-PS-Value 1.30
CACC's Price-to-Median-PS-Value is ranked lower than
68% of the 376 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 vs. CACC: 1.30 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CACC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.33  Med: 0.99 Max: 4.1
Current: 1.3
0.33
4.1
Price-to-Peter-Lynch-Fair-Value 0.86
CACC's Price-to-Peter-Lynch-Fair-Value is ranked higher than
59% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: 1.05 vs. CACC: 0.86 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
CACC' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.26  Med: 0.54 Max: 1.58
Current: 0.86
0.26
1.58
Price-to-Graham-Number 1.75
CACC's Price-to-Graham-Number is ranked lower than
74% of the 202 Companies
in the Global Credit Services industry.

( Industry Median: 0.95 vs. CACC: 1.75 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CACC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.47  Med: 1.37 Max: 4.5
Current: 1.75
0.47
4.5
Earnings Yield (Greenblatt) % 8.16
CACC's Earnings Yield (Greenblatt) % is ranked higher than
70% of the 430 Companies
in the Global Credit Services industry.

( Industry Median: 4.19 vs. CACC: 8.16 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CACC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 7.1  Med: 10.5 Max: 16.1
Current: 8.16
7.1
16.1
Forward Rate of Return (Yacktman) % 24.42
CACC's Forward Rate of Return (Yacktman) % is ranked higher than
74% of the 152 Companies
in the Global Credit Services industry.

( Industry Median: 9.02 vs. CACC: 24.42 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
CACC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 24.4  Med: 32.9 Max: 45.1
Current: 24.42
24.4
45.1

More Statistics

Revenue (TTM) (Mil) $1,041.60
EPS (TTM) $ 18.32
Beta0.44
Short Percentage of Float68.94%
52-Week Range $160.63 - 288.23
Shares Outstanding (Mil)19.31

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 1,113 1,217
EPS ($) 19.90 21.50
EPS without NRI ($) 19.90 21.50
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: 55
Positive ROAY
Positive CFROAY
Higher ROA yoyN
CFROA > ROAY
Lower Leverage yoyY
Higher Current Ratio yoyN
Less Shares Outstanding yoyY
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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