Credit Acceptance/$CACC
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About Credit Acceptance
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 a source of revenue.
Ticker
$CACC
Sector
Primary listing
Industry
Consumer Finance
Headquarters
Employees
2,431
ISIN
US2253101016
Website
CACC Metrics
BasicAdvanced
$5.9B
21.71
$23.43
1.23
-
Price and volume
Market cap
$5.9B
Beta
1.23
52-week high
$614.96
52-week low
$409.22
Average daily volume
190K
Financial strength
Current ratio
5.65
Quick ratio
5.283
Long term debt to equity
328.178
Total debt to equity
391.911
Profitability
Gross margin (TTM)
92.69%
Net profit margin (TTM)
29.19%
Operating margin (TTM)
41.25%
Effective tax rate (TTM)
24.66%
Revenue per employee (TTM)
$410,000
Management effectiveness
Return on assets (TTM)
3.34%
Return on equity (TTM)
17.24%
Valuation
Price to earnings (TTM)
21.713
Price to revenue (TTM)
6.262
Price to book
3.49
Price to tangible book (TTM)
3.49
Price to free cash flow (TTM)
5.305
Free cash flow yield (TTM)
18.85%
Free cash flow per share (TTM)
9,588.79%
Growth
Revenue change (TTM)
14.60%
Earnings per share change (TTM)
20.51%
3-year revenue growth (CAGR)
-16.29%
10-year revenue growth (CAGR)
4.00%
3-year earnings per share growth (CAGR)
-28.08%
10-year earnings per share growth (CAGR)
5.85%
What the Analysts think about CACC
Analyst ratings (Buy, Hold, Sell) for Credit Acceptance stock.
Bulls say / Bears say
Credit Acceptance completed a $400 million asset-backed financing in March 2025, enhancing its liquidity and financial flexibility. (globenewswire.com)
The company was named a 2025 Top Workplaces USA award winner for the fifth consecutive year, ranking #2 in its category, which may attract and retain top talent. (globenewswire.com)
StockNews.com upgraded Credit Acceptance's stock rating to 'Buy' in January 2025, indicating positive analyst sentiment. (americanbankingnews.com)
In Q1 2025, Credit Acceptance reported earnings per share of $8.66, missing the Zacks Consensus Estimate of $10.31, reflecting a 16% earnings surprise. (finviz.com)
The company faces ongoing regulatory scrutiny from the CFPB and the New York Attorney General, posing potential risks of financial penalties and operational restrictions. (panabee.com)
Insider selling activity was noted in March 2025, with insider Douglas W. Busk selling 3,000 shares, which may signal concerns about the company's future performance. (etfdailynews.com)
Data summarised monthly by Lightyear AI. Last updated on 5 Jun 2025.
CACC Financial Performance
Revenues and expenses
CACC Earnings Performance
Company profitability
CACC News
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Capital at risk
Upcoming events
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FAQs
What’s the current market cap for Credit Acceptance stock?
Credit Acceptance (CACC) has a market cap of $5.9B as of June 27, 2025.
What is the P/E ratio for Credit Acceptance stock?
The price to earnings (P/E) ratio for Credit Acceptance (CACC) stock is 21.71 as of June 27, 2025.
Does Credit Acceptance stock pay dividends?
No, Credit Acceptance (CACC) stock does not pay dividends to its shareholders as of June 27, 2025.
When is the next Credit Acceptance dividend payment date?
Credit Acceptance (CACC) stock does not pay dividends to its shareholders.
What is the beta indicator for Credit Acceptance?
Credit Acceptance (CACC) has a beta rating of 1.23. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.