Switch to:
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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.07
NAS:CACC's Cash-to-Debt is ranked lower than
94% of the 449 Companies
in the Global Credit Services industry.

( Industry Median: 8.43 vs. NAS:CACC: 0.07 )
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: 0.07
0
No Debt
Equity-to-Asset 0.31
NAS:CACC's Equity-to-Asset is ranked lower than
60% of the 413 Companies
in the Global Credit Services industry.

( Industry Median: 0.43 vs. NAS:CACC: 0.31 )
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: 0.31
0.16
0.63
Debt-to-Equity 1.98
NAS:CACC's Debt-to-Equity is ranked lower than
58% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. NAS:CACC: 1.98 )
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: 1.28 Max: 2.55
Current: 1.98
0.08
2.55
Debt-to-EBITDA 4.61
NAS:CACC's Debt-to-EBITDA is ranked higher than
63% of the 283 Companies
in the Global Credit Services industry.

( Industry Median: 6.70 vs. NAS:CACC: 4.61 )
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: 3.28 Max: 4.61
Current: 4.61
1.87
4.61
Interest Coverage 5.62
NAS:CACC's Interest Coverage is ranked lower than
57% of the 402 Companies
in the Global Credit Services industry.

( Industry Median: 7.50 vs. NAS:CACC: 5.62 )
Ranked among companies with meaningful Interest Coverage only.
NAS:CACC' s Interest Coverage Range Over the Past 10 Years
Min: 3.48  Med: 6.43 Max: 8.81
Current: 5.62
3.48
8.81
Piotroski F-Score: 5
Altman Z-Score: 2.15
Beneish M-Score: -2.37
WACC vs ROIC
5.46%
14.67%
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 : 9/10

vs
industry
vs
history
Operating Margin % 66.89
NAS:CACC's Operating Margin % is ranked higher than
81% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 19.77 vs. NAS:CACC: 66.89 )
Ranked among companies with meaningful Operating Margin % only.
NAS:CACC' s Operating Margin % Range Over the Past 10 Years
Min: 48.11  Med: 67.03 Max: 69.03
Current: 66.89
48.11
69.03
Net Margin % 48.70
NAS:CACC's Net Margin % is ranked higher than
84% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 13.22 vs. NAS:CACC: 48.70 )
Ranked among companies with meaningful Net Margin % only.
NAS:CACC' s Net Margin % Range Over the Past 10 Years
Min: 21.52  Med: 36.55 Max: 48.7
Current: 48.7
21.52
48.7
ROE % 36.02
NAS:CACC's ROE % is ranked higher than
94% of the 436 Companies
in the Global Credit Services industry.

( Industry Median: 6.88 vs. NAS:CACC: 36.02 )
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: 36.02
22.27
37.82
ROA % 10.91
NAS:CACC's ROA % is ranked higher than
88% of the 453 Companies
in the Global Credit Services industry.

( Industry Median: 2.32 vs. NAS:CACC: 10.91 )
Ranked among companies with meaningful ROA % only.
NAS:CACC' s ROA % Range Over the Past 10 Years
Min: 6.45  Med: 10.65 Max: 13.5
Current: 10.91
6.45
13.5
ROC (Joel Greenblatt) % 454.80
NAS:CACC's ROC (Joel Greenblatt) % is ranked higher than
93% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 13.96 vs. NAS:CACC: 454.80 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
NAS:CACC' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 454.8  Med: 1134.46 Max: 2081.8
Current: 454.8
454.8
2081.8
3-Year Revenue Growth Rate 20.50
NAS:CACC's 3-Year Revenue Growth Rate is ranked higher than
74% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 vs. NAS:CACC: 20.50 )
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: 20.5 Max: 50
Current: 20.5
0.8
50
3-Year EBITDA Growth Rate 18.80
NAS:CACC's 3-Year EBITDA Growth Rate is ranked higher than
68% of the 314 Companies
in the Global Credit Services industry.

( Industry Median: 7.10 vs. NAS:CACC: 18.80 )
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: 18.8 Max: 57.6
Current: 18.8
0
57.6
3-Year EPS without NRI Growth Rate 26.30
NAS:CACC's 3-Year EPS without NRI Growth Rate is ranked higher than
72% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 8.00 vs. NAS:CACC: 26.30 )
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: 0  Med: 23 Max: 160.4
Current: 26.3
0
160.4
» NAS:CACC's 30-Y Financials

Financials (Next Earnings Date: 2019-01-31 Est.)


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

» Details

Guru Trades

Q4 2017

CACC Guru Trades in Q4 2017

Caxton Associates 1,915 sh (New)
Lee Ainslie 18,090 sh (+56.76%)
Columbia Wanger 109,411 sh (+10.49%)
David Dreman 1,643 sh (unchged)
Ruane Cunniff 1,070,338 sh (-0.29%)
Jeremy Grantham 133,000 sh (-13.07%)
» More
Q1 2018

CACC Guru Trades in Q1 2018

Paul Tudor Jones 609 sh (New)
Jim Simons 1,100 sh (New)
Ruane Cunniff 1,085,532 sh (+1.42%)
Lee Ainslie 26,170 sh (+44.67%)
David Dreman 1,643 sh (unchged)
Jeremy Grantham 93,000 sh (-30.08%)
Caxton Associates 1,436 sh (-25.01%)
» More
Q2 2018

CACC Guru Trades in Q2 2018

Ruane Cunniff 1,100,194 sh (+1.35%)
Paul Tudor Jones Sold Out
Caxton Associates Sold Out
Jim Simons Sold Out
Lee Ainslie 19,670 sh (-24.84%)
Jeremy Grantham 46,500 sh (-50.00%)
» More
Q3 2018

CACC Guru Trades in Q3 2018

Jim Simons 800 sh (New)
Jeremy Grantham 46,500 sh (unchged)
Ruane Cunniff 1,086,536 sh (-1.24%)
Lee Ainslie 13,290 sh (-32.44%)
» 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%)

Guru Date Action
Impact Price Range
(Average)*
Change from Average Comment Current Shares
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Credit Services » Credit Services    NAICS: 522220    SIC: 6141
Compare:TSE:8593, TSE:8572, NSE:SRTRANSFIN, NAS:SLM, TSE:8570, BOM:533519, NSE:M&MFIN, TPE:5871, XPAR:EDEN, SHSE:600901, NYSE:OMF, NSE:CHOLAFIN, NYSE:FCFS, COL:CINS.X0000, NYSE:WU, BOM:532955, XKRX:029780, NAS:NAVI, BOM:532810, HKSE:02858 » 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

Ratios

vs
industry
vs
history
PE Ratio 12.41
CACC's PE Ratio is ranked higher than
57% of the 343 Companies
in the Global Credit Services industry.

( Industry Median: 16.14 vs. CACC: 12.41 )
Ranked among companies with meaningful PE Ratio only.
CACC' s PE Ratio Range Over the Past 10 Years
Min: 6.34  Med: 11.92 Max: 18.96
Current: 12.41
6.34
18.96
Forward PE Ratio 12.41
CACC's Forward PE Ratio is ranked lower than
58% of the 64 Companies
in the Global Credit Services industry.

( Industry Median: 12.50 vs. CACC: 12.41 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 12.41
CACC's PE Ratio without NRI is ranked higher than
58% of the 339 Companies
in the Global Credit Services industry.

( Industry Median: 16.11 vs. CACC: 12.41 )
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: 11.92 Max: 18.96
Current: 12.41
6.34
18.96
Price-to-Owner-Earnings 14.04
CACC's Price-to-Owner-Earnings is ranked higher than
54% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 14.62 vs. CACC: 14.04 )
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: 10.05 Max: 18.44
Current: 14.04
4.25
18.44
PB Ratio 3.75
CACC's PB Ratio is ranked lower than
87% of the 418 Companies
in the Global Credit Services industry.

( Industry Median: 1.19 vs. CACC: 3.75 )
Ranked among companies with meaningful PB Ratio only.
CACC' s PB Ratio Range Over the Past 10 Years
Min: 1.2  Med: 3.82 Max: 6.3
Current: 3.75
1.2
6.3
PS Ratio 6.04
CACC's PS Ratio is ranked lower than
69% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 3.46 vs. CACC: 6.04 )
Ranked among companies with meaningful PS Ratio only.
CACC' s PS Ratio Range Over the Past 10 Years
Min: 1.35  Med: 4.29 Max: 7.53
Current: 6.04
1.35
7.53
Price-to-Free-Cash-Flow 11.82
CACC's Price-to-Free-Cash-Flow is ranked lower than
61% of the 104 Companies
in the Global Credit Services industry.

( Industry Median: 8.52 vs. CACC: 11.82 )
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: 9.03 Max: 14.68
Current: 11.82
2.86
14.68
Price-to-Operating-Cash-Flow 11.39
CACC's Price-to-Operating-Cash-Flow is ranked lower than
65% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 7.24 vs. CACC: 11.39 )
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: 8.84 Max: 14.55
Current: 11.39
2.74
14.55
EV-to-EBIT 13.35
CACC's EV-to-EBIT is ranked higher than
56% of the 352 Companies
in the Global Credit Services industry.

( Industry Median: 16.26 vs. CACC: 13.35 )
Ranked among companies with meaningful EV-to-EBIT only.
CACC' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.2  Med: 9.7 Max: 16.1
Current: 13.35
6.2
16.1
EV-to-EBITDA 13.06
CACC's EV-to-EBITDA is ranked higher than
54% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 14.65 vs. CACC: 13.06 )
Ranked among companies with meaningful EV-to-EBITDA only.
CACC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6  Med: 9.4 Max: 15.7
Current: 13.06
6
15.7
EV-to-Revenue 8.93
CACC's EV-to-Revenue is ranked lower than
67% of the 425 Companies
in the Global Credit Services industry.

( Industry Median: 5.35 vs. CACC: 8.93 )
Ranked among companies with meaningful EV-to-Revenue only.
CACC' s EV-to-Revenue Range Over the Past 10 Years
Min: 3.4  Med: 6.4 Max: 10.5
Current: 8.93
3.4
10.5
PEG Ratio 0.71
CACC's PEG Ratio is ranked higher than
58% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 0.97 vs. CACC: 0.71 )
Ranked among companies with meaningful PEG Ratio only.
CACC' s PEG Ratio Range Over the Past 10 Years
Min: 0.26  Med: 0.64 Max: 46.81
Current: 0.71
0.26
46.81
Shiller PE Ratio 28.61
CACC's Shiller PE Ratio is ranked lower than
80% of the 66 Companies
in the Global Credit Services industry.

( Industry Median: 17.29 vs. CACC: 28.61 )
Ranked among companies with meaningful Shiller PE Ratio only.
CACC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.64  Med: 25.91 Max: 40.11
Current: 28.61
10.64
40.11
Current Ratio 3.57
CACC's Current Ratio is ranked lower than
57% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: 2.40 vs. CACC: 3.57 )
Ranked among companies with meaningful Current Ratio only.
CACC' s Current Ratio Range Over the Past 10 Years
Min: 0.03  Med: 0.67 Max: 3.57
Current: 3.57
0.03
3.57
Quick Ratio 3.57
CACC's Quick Ratio is ranked lower than
57% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: 2.40 vs. CACC: 3.57 )
Ranked among companies with meaningful Quick Ratio only.
CACC' s Quick Ratio Range Over the Past 10 Years
Min: 0.03  Med: 0.67 Max: 3.57
Current: 3.57
0.03
3.57

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 2.10
CACC's 3-Year Average Share Buyback Ratio is ranked higher than
88% of the 194 Companies
in the Global Credit Services industry.

( Industry Median: -3.70 vs. CACC: 2.10 )
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: 3.4 Max: 10.5
Current: 2.1
-3.8
10.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.75
CACC's Price-to-Tangible-Book is ranked lower than
85% of the 409 Companies
in the Global Credit Services industry.

( Industry Median: 1.26 vs. CACC: 3.75 )
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: 3.39 Max: 11.38
Current: 3.75
0.63
11.38
Price-to-Intrinsic-Value-Projected-FCF 0.90
CACC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
53% of the 90 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 vs. CACC: 0.90 )
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: 0.67 Max: 1.28
Current: 0.9
0.2
1.28
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.44
CACC's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked higher than
86% of the 21 Companies
in the Global Credit Services industry.

( Industry Median: 0.79 vs. CACC: 0.44 )
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: 0.45 Max: 0.63
Current: 0.44
0.33
0.63
Price-to-Median-PS-Value 1.41
CACC's Price-to-Median-PS-Value is ranked lower than
76% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. CACC: 1.41 )
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: 0.32  Med: 0.99 Max: 4
Current: 1.41
0.32
4
Price-to-Peter-Lynch-Fair-Value 0.68
CACC's Price-to-Peter-Lynch-Fair-Value is ranked higher than
62% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 0.93 vs. CACC: 0.68 )
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: 10.33
Current: 0.68
0.26
10.33
Price-to-Graham-Number 1.44
CACC's Price-to-Graham-Number is ranked lower than
71% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 1.07 vs. CACC: 1.44 )
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: 1.41 Max: 4.5
Current: 1.44
0.47
4.5
Earnings Yield (Greenblatt) % 7.49
CACC's Earnings Yield (Greenblatt) % is ranked higher than
66% of the 454 Companies
in the Global Credit Services industry.

( Industry Median: 4.38 vs. CACC: 7.49 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CACC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 6.2  Med: 10.3 Max: 16.1
Current: 7.49
6.2
16.1
Forward Rate of Return (Yacktman) % 24.30
CACC's Forward Rate of Return (Yacktman) % is ranked higher than
94% of the 172 Companies
in the Global Credit Services industry.

( Industry Median: 8.48 vs. CACC: 24.30 )
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: 8.8  Med: 26.2 Max: 28.8
Current: 24.3
8.8
28.8

More Statistics

Revenue (TTM) (Mil) $1,230.30
EPS (TTM) $ 30.72
Beta0.58
Volatility23.93%
52-Week Range $297.63 - 467.26
Shares Outstanding (Mil)19.31

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 1,228 1,396 1,678
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 28.83 31.24 35.00
EPS without NRI ($) 28.83 31.24 35.00
EPS Growth Rate
(Future 3Y To 5Y Estimate)
16.00%
Dividends per Share ($)

Piotroski F-Score Details

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

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)

GF Chat

{{numOfNotice}}