← Back to Screener
Credit Acceptance Corp (CACC)
Price$494.56
Favorite Metrics
Price vs S&P 500 (26W)-7.06%
Price vs S&P 500 (4W)2.01%
Market Capitalization$5.43B
P/E Ratio (Annual)12.82x
All Metrics
P/CF (Annual)5.15x
Book Value / Share (Quarterly)$142.66
P/TBV (Annual)3.37x
Indicated Dividend (Annual)$0.00
Revenue Growth (3Y)8.14%
Cash Flow / Share (Quarterly)$98.59
Price vs S&P 500 (YTD)9.51%
Net Profit Margin (TTM)18.29%
EPS (TTM)$36.51
10-Day Avg Trading Volume0.14M
EPS Excl Extra (TTM)$36.51
Revenue Growth (5Y)6.78%
EPS (Annual)$36.38
ROI (Annual)5.38%
Net Profit Margin (5Y Avg)25.13%
Cash / Share (Quarterly)$2.13
P/E Basic Excl Extra (TTM)12.82x
Revenue Growth QoQ (YoY)2.47%
EPS Growth (5Y)9.12%
P/E Normalized (Annual)12.82x
ROA (Last FY)4.91%
Revenue Growth TTM (YoY)7.16%
EBITD / Share (TTM)$88.55
ROE (5Y Avg)28.76%
Operating Margin (TTM)44.38%
Cash Flow / Share (Annual)$98.59
P/B Ratio3.57x
P/B Ratio (Quarterly)3.21x
Net Income / Employee (Annual)$0
EV / Revenue (TTM)5.08x
Net Interest Coverage (TTM)2.22x
ROA (TTM)4.81%
EPS Growth QoQ (YoY)-13.15%
EV / EBITDA (TTM)11.40x
EPS Incl Extra (Annual)$36.38
Current Ratio (Annual)0.03x
Quick Ratio (Quarterly)0.03x
3-Month Avg Trading Volume0.18M
52-Week Price Return0.01%
EV / Free Cash Flow (Annual)11.17x
P/E Incl Extra (TTM)12.82x
Revenue / Employee (TTM)$1
Tangible BV / Share (Quarterly)$135.35
P/S Ratio (Annual)2.34x
Asset Turnover (Annual)0.27x
52-Week High$549.75
Operating Margin (5Y Avg)47.63%
EPS Excl Extra (Annual)$36.38
CapEx CAGR (5Y)-28.40%
Tangible BV CAGR (5Y)1.12%
26-Week Price Return-3.08%
Quick Ratio (Annual)0.03x
13-Week Price Return6.73%
Total Debt / Equity (Annual)4.17x
Current Ratio (Quarterly)0.03x
Enterprise Value$11,764.375
Revenue / Share Growth (5Y)16.36%
Asset Turnover (TTM)0.26x
Book Value / Share Growth (5Y)1.16%
Revenue / Employee (Annual)$1
Pretax Margin (Annual)24.40%
Cash / Share (Annual)$2.13
3-Month Return Std Dev47.33%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)6.58%
EBITDA Interim CAGR (5Y)0.59%
ROE (Last FY)27.82%
Net Interest Coverage (Annual)2.22x
EPS Basic Excl Extra (Annual)$36.38
P/FCF (TTM)5.16x
Receivables Turnover (TTM)47.24x
EV / Free Cash Flow (TTM)11.17x
Total Debt / Equity (Quarterly)4.17x
EPS Incl Extra (TTM)$36.51
Receivables Turnover (Annual)0.21x
ROI (TTM)5.25%
P/S Ratio (TTM)2.34x
Pretax Margin (5Y Avg)33.15%
Revenue / Share (Annual)$198.89
Tangible BV / Share (Annual)$127.30
Forward P/E10.85x
Free OCF CAGR (5Y)1.52%
Price vs S&P 500 (52W)-29.82%
P/E Ratio (TTM)12.82x
EPS Growth TTM (YoY)78.12%
Year-to-Date Return12.15%
5-Day Price Return6.05%
EPS Normalized (Annual)$36.38
ROA (5Y Avg)6.56%
Net Profit Margin (Annual)18.29%
Month-to-Date Return17.45%
Cash Flow / Share (TTM)$26.36
EBITD / Share (Annual)$88.57
EPS Growth (3Y)-2.62%
Operating Margin (Annual)44.38%
LT Debt / Equity (Annual)2.74x
P/CF (TTM)5.15x
ROI (5Y Avg)7.23%
P/E Excl Extra (TTM)12.82x
LT Debt / Equity (Quarterly)2.74x
EPS Basic Excl Extra (TTM)$36.51
P/TBV (Quarterly)3.22x
P/B Ratio (Annual)3.21x
Pretax Margin (TTM)24.40%
Book Value / Share (Annual)$142.66
Price vs S&P 500 (13W)6.04%
Net Margin Growth (5Y)-6.22%
Beta1.37x
P/FCF (Annual)5.16x
Revenue / Share (TTM)$208.96
ROE (TTM)26.63%
52-Week Low$401.90
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
2.33
2.44
2.38
2.38
Industry Peers — Personal Credit Institutions(15)
| Symbol | P/E Ratio (Annual) | ROE (TTM) | Operating Margin (TTM) | Revenue Growth (5Y) | Price |
|---|---|---|---|---|---|
CACCCredit Acceptance Corp | 12.82x | 26.63% | 44.38% | 6.78% | $494.56 |
AFRMAffirm Holdings, Inc. Class A Common Stock | 380.57x | 8.83% | 6.21% | 44.63% | $60.28 |
OMFOneMain Holdings, Inc. | 8.63x | 23.40% | 16.04% | 4.82% | $57.65 |
NNINelnet, Inc. Class A | 11.38x | 11.96% | 26.54% | 7.13% | $136.53 |
SLMSLM Corporation | 5.78x | 31.14% | 26.74% | 7.17% | $22.18 |
SLMBPSLM Corporation Floating-Rate Non-Cumulative Series B | 5.78x | 31.14% | 26.74% | 7.17% | $74.20 |
ENVAEnova International, Inc. | 12.72x | 24.45% | 40.35% | 21.75% | $156.11 |
BFHBread Financial Holdings, Inc. | 6.97x | 16.12% | 13.65% | 3.44% | $84.52 |
LCLendingClub Corporation | 14.14x | 9.47% | 11.38% | 2.92% | $16.60 |
ATLCAtlanticus Holdings Corporation | 8.34x | 19.92% | 18.46% | 13.90% | $66.96 |
ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026 | 8.20x | 19.92% | 18.46% | 13.90% | $24.99 |
About
Credit Acceptance Corp is a consumer finance company specializing in automobile loans for subprime borrowers through a nationwide network of U.S. auto dealers. The company generates revenue primarily from finance charges and servicing fees, supplemented by reinsurance premiums on vehicle service contracts. Its dealer-based distribution model enables both new loan originations and repeat customer sales.