Add To Watchlist
Share URL
Credit Acceptance Corporation
CACC: NasdaqGSLowest reading is at 17 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Vinayak R. Hegde
Market Cap
5.66 Billion USD
Sector
Financial Services
Website
https://www.creditacceptance.comLast Update
15/10/2026, 01:03:21
Description
Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States.
Read More
Strongest readings
- ✔Share count has been falling at 8.50% per year
- ✔Estimated fair value sits 68.28% above the current price
- ✔Price-to-earnings of 11.6 is below the market average of 19.6
Weakest readings
- ✘Revenue is growing at 7.16% per year while free cashflow is falling
- ✘Debt is high at 4.17 times equity
- ✘Earnings and cashflow growth is weak (growth score 17 out of 100)
- ✘Returns on capital have declined over five years (2.00% lower)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 11.60x | 19.60x | |
| ✔ | Margin of safety (DCF) | 68.28% | 17.95% | |
| ✘ | Revenue growth (5y average) | 7.16% | 10.97% | |
| ✘ | Dividend yield (TTM) | 0.00% | 1.85% | |
| ✔ | Share count, per year | -8.50% | 0.00% | |
| ✘ | Return on capital employed | 7.53% | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
96 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 11.60x | 19.60x | |
| ✔ | Free cashflow yield | 21.93% | 4.70% | |
| ✔ | Price / earnings growth | 0.14x | 1.50x | |
| Price / book | 3.50x | — | ||
| ✔ | Margin of safety | 68.28% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Estimated intrinsic value of 895.77 USD is above the current price of 540.98 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 1750.8 USD ✔
Current Price: 532.3 USD
How Does This Work?
Show Advanced Options
This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
17 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 7.16% | 10.97% | |
| ✘ | Earnings growth | -8.92% | 14.48% | |
| ✘ | Cashflow growth | -2.90% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Revenue growth has slowed this year (2.58% against a five year average of 7.16%)
- ✔Earnings growth has improved this year (30.77% against a five year average of -8.92%)
- ✔Free cashflow growth has improved this year
- ✘Revenue is growing at 7.16% per year while free cashflow is falling at 2.90% per year
Health
50 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Funding and liquidity, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✘ | Altman-Z score | 2.28 | 3.00 | |
| ✔ | Piotroski score | 7.00 | 5.00 | |
| ✘ | Debt / equity | 4.17x | 0.80x | |
| ✔ | Current ratio | 21.21x | 1.00x | |
| ✘ | Interest coverage | 1.34x | 2.50x | |
| ✔ | Free cashflow / debt | 0.17x | 0.15x | |
| ✔ | Debt / capital | 0.81x | 1.00x |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Management
74 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Return on equity | 27.82% | 15.00% | |
| ✘ | Return on capital employed | 7.53% | 10.00% | |
| Return on assets | 4.91% | — | ||
| Free cashflow return on capital | 12.79% | — | ||
| ✘ | Return on capital, 5y change | -2.00% | 0.00% | |
| ✔ | Share count, per year | -8.50% | 0.00% | |
| ✔ | Share count, recent | -8.66% | 0.00% | |
| ✘ | Realized buyback return | -14.27% | 0.00% | |
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 40.95% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Shares were repurchased while the value score was 96 out of 100
- ✘Return on equity of 27.82% is driven by debt rather than operations, because return on capital employed is only 7.53%
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
CACC
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Credit Acceptance Corporation
Currency
USD
Beta
1.349
Vol Avg
125687
Ceo
Mr. Vinayak R. Hegde
Cik
0000885550
Cusip
Exchange
NasdaqGS
Full Time Employees
2314
Industry
Credit Services
Sector
Financial Services
Ipo Date
Address
25505 West Twelve Mile Road
City
Southfield
State
MI
Country
United States
Zip
48034-8339
Phone
248 353 2700
Analysis Last Updated
15/10/2026, 01:03:21
Financial data compiled from SEC EDGAR filings and Yahoo Finance.