CREDIT ACCEPTANCE CORP (CACC)

604.72USD +0.52% (+3.14)

Over 1M: +3.3%

Style
Area Line Line with markers Steps Candles Hollow candles Bars

Candles and bars need the day’s open, high and low, and need room to be drawn in: past about a year of trading a body is thinner than a hairline, so those three offer the longest window that fits instead.

580 600
7 Aug 12 Aug 17 Aug 20 Aug 25 Aug 28 Aug 2 Sep

Financials Quarterly

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
Q3 '21 — Operating Cash Flow: 269.8M Q3 '21 — Net Income: 250M Q4 '21 — Operating Cash Flow: 131.1M Q4 '21 — Net Income: 217.6M Q1 '22 — Operating Cash Flow: 376.1M Q1 '22 — Net Income: 214.3M Q2 '22 — Operating Cash Flow: 249.5M Q2 '22 — Net Income: 107.4M Q3 '22 — Operating Cash Flow: 326.3M Q3 '22 — Net Income: 86.8M Q4 '22 — Operating Cash Flow: 286.8M Q4 '22 — Net Income: 127.3M Q1 '23 — Operating Cash Flow: 296.5M Q1 '23 — Net Income: 99.5M Q2 '23 — Operating Cash Flow: 282.7M Q2 '23 — Net Income: 22.2M Q3 '23 — Operating Cash Flow: 313.4M Q3 '23 — Net Income: 70.8M Q4 '23 — Operating Cash Flow: 311.2M Q4 '23 — Net Income: 93.6M Q1 '24 — Operating Cash Flow: 310M Q1 '24 — Net Income: 64.3M Q2 '24 — Operating Cash Flow: 204M Q2 '24 — Net Income: -47.1M Q3 '24 — Operating Cash Flow: 317.7M Q3 '24 — Net Income: 78.8M Q4 '24 — Operating Cash Flow: 306.2M Q4 '24 — Net Income: 151.9M Q1 '25 — Operating Cash Flow: 346.2M Q1 '25 — Net Income: 106.3M Q2 '25 — Operating Cash Flow: 139.7M Q2 '25 — Net Income: 87.4M Q3 '25 — Operating Cash Flow: 299.4M Q3 '25 — Net Income: 108.2M Q4 '25 — Operating Cash Flow: 269.3M Q4 '25 — Net Income: 122M Q1 '26 — Operating Cash Flow: 346.8M Q1 '26 — Net Income: 135.8M Q2 '26 — Operating Cash Flow: 309.5M Q2 '26 — Net Income: 135.9M 0 90M 180M 270M 360M 450M
Q4 '21 Q3 '22 Q2 '23 Q1 '24 Q4 '24 Q3 '25 Q2 '26
Gross Profit Operating Cash Flow Net Income

How it scores

For a valuation multiple, the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

7.2
OE margin 50.5%
Oper. margin 27.9%
ROIC 32.3%
Accruals -8.4%
FCF margin 52.4%
OCF margin 52.6%
ROE 31.6%
OCF / EBIT 1.9×
ROA 5.8%
Gross margin —
ROCE —

5 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

10.0
EV/OE 5.3×
EV/EBIT 9.7×
FCF yield 19.5%
P/E 12.5×
EV/Sales 2.7×
P/B 4.0×
P/C 4483.8×
Div. yield —
EV/GP —
Fwd P/E —
PEG —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

5.2
RPO / sales —
RPO growth —
Segment HHI —

2 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

5.0
ND/EBITDA 0.00022
Debt / Eq 0.0×
Debt payback 0.0 yr
F-score 9.0 pts
Payout 0.0%
Cash / Debt —
Cash runway —
Current ratio —
Quick ratio —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

3.3
Sales/sh Y/Y +9.8%
EPS Y/Y +26.6%
EBIT Y/Y +16.4%
EBIT CAGR -2.6%
EPS CAGR 4Y -11.6%
Sales Q/Q +0.62%
Div. growth —
EPS next Y —

4 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.