What is Credit Acceptance Profitability Rank?
Credit Acceptance has the Profitability Rank of 9. It has a higher profitability and may stay that way.
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.
Piotroski F-Score
3. Trend of the
Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.
4. Consistency of the profitability
5. Predictability Rank
Credit Acceptance's Operating Margin % for the quarter that ended in Dec. 2023 was 23.07%. As of today, Credit Acceptance's Piotroski F-Score is 5.
Competitive Comparison of Credit Acceptance's Profitability Rank
For the Credit Services subindustry, Credit Acceptance's Profitability Rank, along with its competitors' market caps and Profitability Rank data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Credit Acceptance's Profitability Rank Distribution in the Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's Profitability Rank distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's Profitability Rank falls into.
Credit Acceptance Profitability Rank Calculation
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
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.
Credit Acceptance has the Profitability Rank of 9. It has a higher profitability and may stay that way.
Profitability Rank is not directly related to the Financial Strength. But if a company is consistently profitable, its financial strength will be stronger.
Profitability Rank is based on these factors:
1. Operating Margin %
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
Credit Acceptance's Operating Margin % for the quarter that ended in Dec. 2023 is calculated as:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
2. Piotroski F-Score
The zones of discrimination were as such:
Good or high score = 8 or 9
Bad or low score = 0 or 1
Credit Acceptance has an F-score of 5 indicating the company's financial situation is typical for a stable company.
3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.
Warning Sign:
Credit Acceptance Corp operating margin has been in a 5-year decline. The average rate of decline per year is -16.3%.
4. Consistency of the profitability
5. Predictability Rank
Credit Acceptance (Credit Acceptance) Business Description
Traded in Other Exchanges
Address
25505 W. Twelve Mile Road, Southfield, MI, USA, 48034-8339
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.
Executives
| Wendy A Rummler |
officer: Senior VP, Human Resources |
25505 WEST TWELVE MILE ROAD, SOUTHFIELD MI 48034 |
| Douglas W Busk |
officer: Sr. Vice President & Treasurer |
25505 WEST TWELVE MILE ROAD, SOUTH FIELD MI 48034 |
| Nicholas J Elliott |
officer: Chief Alignment Officer |
25505 WEST TWELVE MILE RD, SOUTHFIELD MI 48034 |
| Arthur L Smith |
officer: Chief Analytics Officer |
25505 W 12 MILE ROAD, SOUTHFIELD MI 48034 |
| Sean Edward Quinn |
director |
C/O CIMPRESS PLC, 275 WYMAN STREET, WALTHAM MA 02451 |
| Thomas W Smith |
10 percent owner, other: Member of Section 13(d) Group |
2200 BUTTS ROAD, SUITE 320, BOCA RATON FL 33431 |
| Scott J Vassalluzzo |
director, 10 percent owner, other: Member of Section 13(d) Group |
2200 BUTTS ROAD, SUITE 320, BOCA RATON FL 33431 |
| Donald A. Foss Irrevocable Trust Dated August 14, 2022 |
10 percent owner |
39395 W. TWELVE MILE ROAD, SUITE 200, FARMINGTON HILLS MI 48331 |
| Daniel A. Ulatowski |
officer: Chief Sales Officer |
25505 W 12 MILE ROAD, SOUTHFIELD MI 48034 |
| Andrew K Rostami |
officer: Chief Mktg and Product Officer |
25505 WEST TWELVE MILE ROAD, SOUTHFIELD MI 48034 |
| Prescott General Partners Llc |
10 percent owner, other: Member of Section 13(d) Group |
2200 BUTTS ROAD, SUITE 320, BOCA RATON FL 33431 |
| Ravi Mohan Valiyaveettil |
officer: Chief Technology Officer |
25505 WEST TWELVE MILE RD, SOUTHFIELD MI 48034 |
| Thomas N Tryforos |
director |
323 RAILROAD AVE, GREENWICH CT 06830 |
| Kenneth Booth |
officer: Chief Financial Officer |
25505 WEST TWELVE MILE ROAD, SOUTHFIELD MI 48034 |
| Donald A Foss |
director, 10 percent owner, officer: Chairman |
29777 TELEGRAPH ROAD, SUITE 2611, SOUTHFIELD MI 48034 |
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
Portfolio Contest
CACC has been successfully added to your