Credit Acceptance Statistics

Total Valuation

CACC has a market cap or net worth of $5.55 billion. The enterprise value is $11.89 billion.

Market Cap	5.55B
Enterprise Value	11.89B

Important Dates

The next confirmed earnings date is Tuesday, May 5, 2026, after market close.

Earnings Date	May 5, 2026
Ex-Dividend Date	n/a

Share Statistics

CACC has 10.75 million shares outstanding. The number of shares has decreased by -6.56% in one year.

Current Share Class	10.75M
Shares Outstanding	10.75M
Shares Change (YoY)	-6.56%
Shares Change (QoQ)	-3.22%
Owned by Insiders (%)	14.64%
Owned by Institutions (%)	60.20%
Float	5.42M

Valuation Ratios

The trailing PE ratio is 14.21 and the forward PE ratio is 11.57.

PE Ratio	14.21
Forward PE	11.57
PS Ratio	4.49
Forward PS	2.31
PB Ratio	3.62
P/TBV Ratio	3.65
P/FCF Ratio	5.28
P/OCF Ratio	5.27
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	28.05
EV / Sales	9.60
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	11.29

Financial Position

The company has a current ratio of 3.28, with a Debt / Equity ratio of 4.17.

Current Ratio	3.28
Quick Ratio	3.10
Debt / Equity	4.17
Debt / EBITDA	n/a
Debt / FCF	6.04
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 25.90% and return on invested capital (ROIC) is 5.37%.

Return on Equity (ROE)	25.90%
Return on Assets (ROA)	4.85%
Return on Invested Capital (ROIC)	5.37%
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	5.38%
Revenue Per Employee	$535,091
Profits Per Employee	$183,189
Employee Count	2,314
Asset Turnover	0.14
Inventory Turnover	n/a

Taxes

In the past 12 months, CACC has paid $141.50 million in taxes.

Income Tax	141.50M
Effective Tax Rate	25.03%

Stock Price Statistics

The stock price has increased by +6.92% in the last 52 weeks. The beta is 1.32, so CACC's price volatility has been higher than the market average.

Beta (5Y)	1.32
52-Week Price Change	+6.92%
50-Day Moving Average	477.22
200-Day Moving Average	477.12
Relative Strength Index (RSI)	61.49
Average Volume (20 Days)	145,542

Short Selling Information

The latest short interest is 1.00 million, so 9.34% of the outstanding shares have been sold short.

Short Interest	1.00M
Short Previous Month	1.05M
Short % of Shares Out	9.34%
Short % of Float	18.51%
Short Ratio (days to cover)	6.47

Income Statement

In the last 12 months, CACC had revenue of $1.24 billion and earned $423.90 million in profits. Earnings per share was $36.38.

Revenue	1.24B
Gross Profit	1.17B
Operating Income	566.60M
Pretax Income	565.40M
Net Income	423.90M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$36.38

Full Income Statement

Balance Sheet

The company has $22.80 million in cash and $6.36 billion in debt, giving a net cash position of -$6.33 billion or -$589.26 per share.

Cash & Cash Equivalents	22.80M
Total Debt	6.36B
Net Cash	-6.33B
Net Cash Per Share	-$589.26
Equity (Book Value)	1.52B
Book Value Per Share	142.66
Working Capital	5.90B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $1.05 billion and capital expenditures -$1.60 million, giving a free cash flow of $1.05 billion.

Operating Cash Flow	1.05B
Capital Expenditures	-1.60M
Depreciation & Amortization	3.60M
Net Borrowing	-3.90M
Free Cash Flow	1.05B
FCF Per Share	$97.97

Full Cash Flow Statement

Margins

Gross margin is 94.21%, with operating and profit margins of 45.76% and 34.24%.

Gross Margin	94.21%
Operating Margin	45.76%
Pretax Margin	45.66%
Profit Margin	34.24%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	85.04%

Dividends & Yields

CACC does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	6.56%
Shareholder Yield	n/a
Earnings Yield	7.63%
FCF Yield	18.95%

Analyst Forecast

The average price target for CACC is $505.00, which is -2.28% lower than the current price. The consensus rating is "Hold".

Price Target	$505.00
Price Target Difference	-2.28%
Analyst Consensus	Hold
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Stock Splits

The last stock split was on December 21, 1994. It was a forward split with a ratio of 2:1.

Last Split Date	Dec 21, 1994
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	6