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Credit Acceptance Corporation CACC
Financial Services - Financial - Credit Services - NASDAQ - US
Watchlist
$ 465.03
0.778 %
$ 5.6 B
Market Cap
23.38
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CACC stock under the worst case scenario is HIDDEN Compared to the current market price of 465 USD, Credit Acceptance Corporation is HIDDEN

CACC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CACC stock under the base case scenario is HIDDEN Compared to the current market price of 465 USD, Credit Acceptance Corporation is HIDDEN

CACC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CACC stock under the best case scenario is HIDDEN Compared to the current market price of 465 USD, Credit Acceptance Corporation is HIDDEN

CACC Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart CACC

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1M -5%
6M 2%
1Y -15%
3Y -27%
5Y 55.0%
All
$540.0$540.0$520.0$520.0$500.0$500.0$480.0$480.0$460.0$460.0$440.0$440.0$420.0$420.0$400.0$400.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
2.16 B REVENUE
13.70%
Growth Rates
1Year 13.70%
3Years 6.25%
5Years 8.77%
7Years 10.83%
10Years 12.22%
830 M OPERATING INCOME
88.66%
Growth Rates
1Year 88.66%
3Years -12.39%
5Years -0.16%
7Years 5.16%
10Years 6.49%
248 M NET INCOME
-13.35%
Growth Rates
1Year -13.35%
3Years -36.28%
5Years -17.69%
7Years -8.74%
10Years -0.71%
1.14 B OPERATING CASH FLOW
-5.47%
Growth Rates
1Year -5.47%
3Years 2.09%
5Years 6.97%
7Years 10.49%
10Years 12.04%
-1.72 B INVESTING CASH FLOW
-21.48%
Growth Rates
1Year -21.48%
3Years -70.26%
5Years -10.94%
7Years -9.66%
10Years -16.83%
957 M FINANCING CASH FLOW
259.62%
Growth Rates
1Year 259.62%
3Years 38.41%
5Years 19.05%
7Years 16.42%
10Years 117.72%
566 M REVENUE
4.10%
Growth Rates
1Year 13.70%
3Years 6.25%
5Years 8.77%
7Years 10.83%
10Years 12.22%
444 M OPERATING INCOME
345.19%
Growth Rates
1Year 88.66%
3Years -12.39%
5Years -0.16%
7Years 5.16%
10Years 6.49%
152 M NET INCOME
92.77%
Growth Rates
1Year -13.35%
3Years -36.28%
5Years -17.69%
7Years -8.74%
10Years -0.71%
306 M OPERATING CASH FLOW
-3.62%
Growth Rates
1Year -5.47%
3Years 2.09%
5Years 6.97%
7Years 10.49%
10Years 12.04%
-187 M INVESTING CASH FLOW
55.85%
Growth Rates
1Year -21.48%
3Years -70.26%
5Years -10.94%
7Years -9.66%
10Years -16.83%
9.7 M FINANCING CASH FLOW
-96.82%
Growth Rates
1Year 259.62%
3Years 38.41%
5Years 19.05%
7Years 16.42%
10Years 117.72%
Balance Sheet Credit Acceptance Corporation
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Current Assets 8.8 B
Cash & Short-Term Investments 951 M
Receivables 7.85 B
Other Current Assets 0
Non-Current Assets 14.7 M
Long-Term Investments 0
PP&E 14.7 M
Other Non-Current Assets 0
10.79 %89.04 %Total Assets$8.8b
Current Liabilities 117 M
Accounts Payable 316 M
Short-Term Debt 0
Other Current Liabilities -199 M
Non-Current Liabilities 6.99 B
Long-Term Debt 0
Other Non-Current Liabilities 6.99 B
4.44 %98.35 %Total Liabilities$7.1b
EFFICIENCY
Earnings Waterfall Credit Acceptance Corporation
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Revenue 2.16 B
Cost Of Revenue 802 M
Gross Profit 1.36 B
Operating Expenses 1.33 B
Operating Income 830 M
Other Expenses 582 M
Net Income 248 M
3b3b2b2b2b2b1b1b500m500m002b(802m)1b(1b)830m(582m)248mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
62.90% GROSS MARGIN
62.90%
Averages
1Year 62.90%
3Years 63.45%
5Years 68.25%
7Years 69.01%
10Years 70.00%
38.40% OPERATING MARGIN
38.40%
Averages
1Year 38.40%
3Years 39.82%
5Years 44.26%
7Years 48.85%
10Years 51.63%
11.46% NET MARGIN
11.46%
Averages
1Year 11.46%
3Years 23.92%
5Years 30.18%
7Years 34.86%
10Years 36.34%
14.17% ROE
14.17%
Averages
1Year 14.17%
3Years 21.16%
5Years 26.86%
7Years 27.28%
10Years 28.22%
2.80% ROA
2.80%
Averages
1Year 2.80%
3Years 4.77%
5Years 6.71%
7Years 7.37%
10Years 7.77%
7.18% ROIC
7.18%
Averages
1Year 7.18%
3Years 6.57%
5Years 7.79%
7Years 8.07%
10Years 8.13%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Credit Acceptance Corporation
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1b1b1b1b1b1b800m800m600m600m400m400m200m200m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 248 M
Depreciation & Amortization 27.8 M
Capital Expenditures -1.8 M
Stock-Based Compensation 45 M
Change in Working Capital 48.4 M
Others 881 M
Free Cash Flow 1.14 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Credit Acceptance Corporation
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Wall Street analysts predict an average 1-year price target for CACC of $500 , with forecasts ranging from a low of $500 to a high of $500 .
CACC Lowest Price Target Wall Street Target
500 USD 7.52%
CACC Average Price Target Wall Street Target
500 USD 7.52%
CACC Highest Price Target Wall Street Target
500 USD 7.52%
Price
Max Price Target
Min Price Target
Average Price Target
620620600600580580560560540540520520500500480480460460440440420420400400May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 5
6. Ownership
Insider Ownership Credit Acceptance Corporation
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Sold
0-3 MONTHS
1.7 M USD 2
3-6 MONTHS
270 K USD 1
6-9 MONTHS
6.64 M USD 3
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
1.78 M USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Credit Acceptance Announces Completion of $400.0 Million Asset-Backed Financing Southfield, Michigan, March 27, 2025 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) announced today the completion of a $400.0 million asset-backed non-recourse secured financing (the “Financing”). Pursuant to this transaction, we conveyed loans having a value of approximately $500.2 million to a wholly owned special purpose entity which will transfer the loans to a trust, which will issue three classes of notes: globenewswire.com - 2 weeks ago
Best Value Stocks to Buy for March 27th TAP, ASLE and CACC made it to the Zacks Rank #1 (Strong Buy) value stocks list on March 27, 2025. zacks.com - 2 weeks ago
Credit Acceptance Named 2025 Top Workplaces USA Award Winner Southfield, Michigan, March 20, 2025 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) has been named a 2025 Top Workplaces USA award winner for the fifth consecutive year. We made it into the Top 10 again this year, with a #2 ranking in the 1,000-2,499-employee size category, up 7 spots from last year. globenewswire.com - 3 weeks ago
Credit Acceptance Announces Closing of $500.0 Million Senior Notes Offering and Completion of Redemption of Senior Notes Due 2026 Southfield, Michigan, Feb. 28, 2025 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) announced today the closing of the Company's previously announced offering of $500.0 million aggregate principal amount of its 6.625% senior notes due 2030 (the “notes”) at an issue price of 100% of the principal amount of the notes in a private offering exempt from registration under the Securities Act of 1933, as amended (the “Securities Act”). globenewswire.com - 1 month ago
Credit Acceptance Announces Conditional Notice of Redemption for Outstanding Senior Notes Due 2026 Southfield, Michigan, Feb. 13, 2025 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) announced today that it has delivered a conditional notice of redemption to the trustee for the Company's 6.625% senior notes due 2026 (the “2026 notes”). The notice of redemption calls for the redemption of all of the outstanding $400.0 million aggregate principal amount of 2026 notes (the “redemption”) on February 28, 2025, in accordance with the terms of the indenture governing the 2026 notes. The redemption is conditioned upon the Company's receipt, prior to the redemption date (or on the redemption date at or prior to such time as may be determined by the Company in its sole and absolute discretion), of aggregate proceeds (before initial purchasers' discounts and commissions and other offering expenses) from the offering of the Company's senior notes due 2030 announced today of at least $400.0 million. globenewswire.com - 2 months ago
Credit Acceptance Announces Pricing of $500.0 Million Senior Notes Offering Southfield, Michigan , Feb. 13, 2025 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) announced today that it priced $500.0 million aggregate principal amount of its 6.625% senior notes due 2030 (the “notes”) in its previously announced offering at an issue price of 100% of the principal amount of the notes. The $500.0 million aggregate principal amount of the notes represents an increase in the offering size from the previously announced $400.0 million. The closing of the sale of the notes is expected to occur on or about February 28, 2025, subject to customary closing conditions. We intend to use the net proceeds from the offering of the notes (1) to fund the redemption of all of our $400.0 million outstanding 6.625% senior notes due 2026 (the “2026 notes”), in accordance with the terms of the indenture governing the 2026 notes, and the payment of fees and expenses in connection therewith and (2) for general corporate purposes. Pending this application of the net proceeds from the offering of the notes, the net proceeds may be invested in short-term investments or applied to repay borrowings under our revolving credit facility without reducing the lenders' commitments thereunder. globenewswire.com - 2 months ago
Credit Acceptance Announces $400.0 Million Senior Notes Offering Southfield, Michigan, Feb. 13, 2025 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) announced today that it plans to offer $400.0 million aggregate principal amount of senior notes due 2030 (the “notes”). We intend to use the net proceeds from the offering of the notes, together with cash on hand, to fund the redemption of all of our $400.0 million outstanding 6.625% senior notes due 2026 (the “2026 notes”), in accordance with the terms of the indenture governing the 2026 notes, and the payment of fees and expenses in connection therewith. Pending this application of the net proceeds from the offering of the notes, the net proceeds may be invested in short-term investments or applied to repay borrowings under our revolving credit facility without reducing the lenders' commitments thereunder. globenewswire.com - 2 months ago
CACC Stock Jumps 5.8% as Q4 Earnings Beat on Higher Finance Charges An increase in finance charges, lower provisions and higher net loan receivables support Credit Acceptance's Q4 earnings. zacks.com - 2 months ago
Credit Acceptance (CACC) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates While the top- and bottom-line numbers for Credit Acceptance (CACC) give a sense of how the business performed in the quarter ended December 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 2 months ago
Credit Acceptance Corporation (CACC) Q4 2024 Earnings Call Transcript Credit Acceptance Corporation (NASDAQ:CACC ) Q4 2024 Earnings Conference Call January 30, 2024 5:00 PM ET Company Participants Jay D. Martin - Chief Financial Officer Kenneth S. seekingalpha.com - 2 months ago
Credit Acceptance (CACC) Q4 Earnings and Revenues Surpass Estimates Credit Acceptance (CACC) came out with quarterly earnings of $12.26 per share, beating the Zacks Consensus Estimate of $6.82 per share. This compares to earnings of $7.29 per share a year ago. zacks.com - 2 months ago
Credit Acceptance Announces Fourth Quarter and Full Year 2024 Results Southfield, Michigan, Jan. 30, 2025 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) today announced consolidated net income of $151.9 million, or $12.26 per diluted share, for the three months ended December 31, 2024 compared to consolidated net income of $93.6 million, or $7.29 per diluted share, for the same period in 2023. Adjusted net income, a non-GAAP financial measure, for the three months ended December 31, 2024 was $126.0 million, or $10.17 per diluted share, compared to $129.1 million, or $10.06 per diluted share, for the same period in 2023. The following table summarizes our financial results: globenewswire.com - 2 months ago
8. Profile Summary

Credit Acceptance Corporation CACC

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 5.6 B
Dividend Yield 0.00%
Description Credit Acceptance Corporation provides financing programs, and related products and services to independent and franchised automobile dealers in the United States. The company advances money to dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps various amounts collected from the consumers. It is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. The company was founded in 1972 and is headquartered in Southfield, Michigan.
Contact 25505 West Twelve Mile Road, Southfield, MI, 48034-8339 https://www.creditacceptance.com
IPO Date June 5, 1992
Employees 2431
Officers Ms. Erin J. Kerber Chief Legal Officer, Chief Compliance Officer & Secretary Mr. Daniel A. Ulatowski Chief Sales Officer Mr. Douglas W. Busk Chief Treasury Officer Mr. Jay D. Martin Chief Financial Officer Mr. Jonathan L. Lum Chief Operating Officer Mr. Andrew K. Rostami Chief Marketing & Product Officer Ms. Wendy A. Rummler Chief People Officer Mr. Ravi Mohan Valiyaveettil Chief Technology Officer Mr. Kenneth S. Booth Chief Executive Officer, President & Director Mr. Arthur L. Smith Chief Analytics Officer