Business Description
Credit Acceptance Corp
NAICS : 522220
SIC : 6141
ISIN : US2253101016
Share Class Description:
CACC: Ordinary SharesCompare
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Traded in other countries / regions
CACC.USA2D5.GermanyCRDA34.Brazil IPO Date
1992-06-05Description
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.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Equity-to-Asset | 0.2 | |||||
| Debt-to-Equity | 3.4 | |||||
| Debt-to-EBITDA | 16.85 | |||||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 5/9 | |||||
| Altman Z-Score | 2.3 | |||||
| Beneish M-Score | -2.89 | |||||
| WACC vs ROIC | ||||||
Growth Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 15.9 | |||||
| 3-Year EBITDA Growth Rate | -3.7 | |||||
| 3-Year EPS without NRI Growth Rate | 20.1 | |||||
| 3-Year FCF Growth Rate | 19.2 | |||||
| 3-Year Book Growth Rate | 1.3 |
Momentum Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 88.68 | |||||
| 9-Day RSI | 74.76 | |||||
| 14-Day RSI | 64.06 | |||||
| 6-1 Month Momentum % | -9.08 | |||||
| 12-1 Month Momentum % | -3.91 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Current Ratio | 19.24 | |||||
| Quick Ratio | 19.24 | |||||
| Cash Ratio | 0.02 | |||||
| Days Payable | 163.16 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Average Share Buyback Ratio | 9.9 | |||||
| Shareholder Yield % | -0.49 |
Profitability Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Gross Margin % | 66.07 | |||||
| Operating Margin % | 15.82 | |||||
| Net Margin % | 12.98 | |||||
| FCF Margin % | 62.8 | |||||
| ROE % | 14.63 | |||||
| ROA % | 3.35 | |||||
| ROIC % | 3.27 | |||||
| ROC (Joel Greenblatt) % | 155.78 | |||||
| ROCE % | 4.27 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 26.4 | |||||
| Forward PE Ratio | 13.93 | |||||
| PE Ratio without NRI | 16.46 | |||||
| Shiller PE Ratio | 15.67 | |||||
| Price-to-Owner-Earnings | 17.04 | |||||
| PS Ratio | 3.43 | |||||
| PB Ratio | 3.81 | |||||
| Price-to-Tangible-Book | 3.81 | |||||
| Price-to-Free-Cash-Flow | 5.47 | |||||
| Price-to-Operating-Cash-Flow | 5.45 | |||||
| EV-to-EBIT | 38.7 | |||||
| EV-to-EBITDA | 35.53 | |||||
| EV-to-Revenue | 6.12 | |||||
| EV-to-Forward-Revenue | 5.59 | |||||
| EV-to-FCF | 9.75 | |||||
| Price-to-Projected-FCF | 0.4 | |||||
| Price-to-Median-PS-Value | 0.72 | |||||
| Price-to-Graham-Number | 1.67 | |||||
| Price-to-Net-Current-Asset-Value | 4.24 | |||||
| Earnings Yield (Greenblatt) % | 2.58 | |||||
| FCF Yield % | 19.48 | |||||
| Forward Rate of Return (Yacktman) % | 12.92 |
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