Credit Acceptance Corporation logo CACC - Credit Acceptance Corporation

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 0
HOLD 12
SELL 6
STRONG
SELL
0
| PRICE TARGET: $540.00 DETAILS
HIGH: $540.00
LOW: $540.00
MEDIAN: $540.00
CONSENSUS: $540.00
DOWNSIDE: 0.88%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 2,317.2 2,134.3 1,879.8 1,823 1,850.9 1,665.2 1,479.4 1,280 1,107.2 965.2 823.6 722 678.9 608.5 523.4 440.5 378.5 307.3 232.6 214.4 198.5 164.3 0 0 0 0 0 0 0 0 0 0 0
Cost of Revenue 29 802.2 617.4 475 421.1 416.4 419.6 350.4 283 250.2 225.6 196.9 193.1 180.4 150.6 132.5 118.6 114.8 92.1 64.6 53.0 47.0 0 0 0 0 0 0 0 0 0 0 0
Gross Profit 2,288.2 1,332.1 1,262.4 1,348 1,429.8 1,248.8 1,059.8 929.6 824.2 715 598 525.1 485.8 428.1 372.8 308 259.9 192.4 140.5 149.8 145.5 117.4 0 0 0 0 0 0 0 0 0 0 0
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 0 192.3 178.9 164.3 165.6 139.1 135.3 123.4 113.9 97.6 83.7 71.1 68.9 61.7 49.2 46.1 45.2 44.3 44.7 53.1 35.1 32.6 28.5 66.3 59.8 52.9 56.1 59 45.9 30.6 21.7 15 8.9
Other Expenses 1,184.5 814.7 736.2 481.4 8.4 1,109.7 76.4 56.9 129.3 90.2 41.5 12.8 21.9 24 29 10 (12.2) 41.1 12.7 6.1 3.8 0.1 (72.0) (114.9) (101.1) (88.9) (37.4) (96.6) (47.2) (94.2) (67.2) (46.6) (28.1)
Operating Expenses 1,184.5 1,007 915.1 645.7 174 1,248.8 211.7 180.3 243.2 187.8 125.2 83.9 90.8 85.7 78.2 56.1 33.0 85.4 57.4 59.2 38.9 32.7 (43.5) (48.6) (41.2) (36.0) 18.7 (37.6) (1.3) (63.6) (45.5) (31.6) (19.2)
Operating Income
Operating Income 1,103.7 325.1 347.3 702.3 1,255.8 0 848.1 749.3 581 527.2 472.8 441.2 395 342.4 294.6 251.9 226.9 107.0 83.1 90.6 106.5 84.7 43.5 48.6 41.2 36.0 (18.7) 37.6 1.3 63.6 45.5 31.6 19.2
Interest Expense 462.9 0 0 0 0 0 196.2 156.6 120.2 97.7 76 56.7 65 63.4 57.2 47.8 32.4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Interest Income 2,169.3 26.2 19.7 6.6 1.2 2.9 8.5 5 2.2 1.7 0 0 0 0 0 0.1 0.4 2.0 3.0 1.8 0.8 0.2 0 0 0 0 0 0 0 0 0 0 0
Profitability
EBITDA 1,057.3 352.9 373.9 727.9 1,282.1 576.6 870.5 768.8 597.4 542.5 487 454.4 408.2 354.6 304.6 262.9 236.5 111.7 80.0 90.3 109.0 82.7 54.9 53.3 58.4 39.7 (45) 139.7 228.6 127.9 86.2 57.6 32.2
EBIT 1,028.3 325.1 347.3 702.3 1,255.8 552.8 848.1 749.3 581 527.2 472.8 441.2 395 342.4 294.6 251.9 226.9 102.1 75.9 85.7 103.7 77.0 46.3 48.6 41.3 36 (48.1) 136.9 226 126.5 85.3 57 31.9
Income Before Tax 565.4 329.5 367.6 711.7 1,260.9 549.5 855.9 755.1 583.8 531.2 474.5 420.9 398.2 343.1 296.4 253.5 229.0 107.0 83.2 90.6 108.4 86.3 43.5 48.6 41.2 36.0 (18.7) 37.6 1.3 63.6 45.5 31.6 19.2
Income Tax Expense 141.5 81.6 81.5 175.9 302.6 128.5 199.8 181.1 113.6 198.4 174.8 154.7 145.1 123.4 108.4 83.4 83.0 39.9 29.6 31.8 40.2 30.1 15.3 18.9 19.2 12.3 (5.0) 12.6 (0.2) 22.1 15.9 11 6.8
Net Income 423.9 247.9 286.1 535.8 958.3 421 656.1 574 470.2 332.8 299.7 266.2 253.1 219.7 188 170.1 146.3 67.2 54.9 58.6 72.6 57.3 28.2 29.7 24.7 23.6 (12.6) 25 1.5 41.5 29.6 20.6 12.4
Per Share Data
EPS (Basic) 38.26 20.12 22.09 39.50 59.57 23.57 34.71 29.52 24.12 16.37 14.35 11.96 10.61 8.65 7.15 5.79 4.78 2.22 1.83 1.78 1.96 1.48 0.67 0.70 0.59 0.54 -0.23 0.54 0.03 0.91 0.70 0.50 0.30
EPS (Diluted) 37.55 19.88 21.99 39.32 59.52 23.47 34.57 29.39 24.04 16.31 14.28 11.92 10.54 8.58 7.07 5.67 4.62 2.16 1.76 1.66 1.85 1.40 0.65 0.68 0.57 0.53 -0.23 0.53 0.03 0.89 0.68 0.49 0.29
Shares Outstanding 11.1 12.3 13.0 13.6 16.1 17.9 18.9 19.4 19.5 20.3 20.9 22.3 23.9 25.4 26.3 29.4 30.6 30.2 30.1 33.0 37.0 38.6 42.2 42.4 42.1 43.9 46.2 46.3 50 45.6 42.3 41.2 41.3
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 500.7 845 470.9 417.7 23.3 16 187.4 25.7 8.2 14.6 2.2 3.2 0.6 36.0 13.5 15.8 20.7 11.1 13.8 0.3 0.2 0 0 0
Short-Term Investments 9.6 9.5 6.9 4 0 0 0 0 0 0 0 0 0.9 0 0.2 0.2 0.8 11.6 10.2 10 6.3 2.5 1.5 2.1
Net Receivables 67.2 4.2 4.3 8.7 6,445.5 6,934.9 6,751.4 5,771.2 4,621.8 3,888.9 1,054.0 1,017.9 9.4 8.2 4.5 6.4 8.5 28.2 14.1 19.8 15.5 0 0 0
Inventory 0 0 0 0 0 0 973.5 115.5 570.2 513.2 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 (858.7) (482.1) (430.4) 413.9 381.3 336 305.3 0 226.3 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 577.5 0 0 0 6,882.7 7,332.2 7,328.4 6,159.1 4,931.7 4,173.5 1,141.7 1,104.7 11.0 44.3 18.1 22.4 29.9 50.9 38.0 30.1 22.0 2.5 1.5 2.1
Non-Current Assets
Property, Plant & Equipment 12.6 14.7 46.5 51.4 57.3 59.4 59.7 40.2 20.5 18.2 18.7 21.0 19.7 18.5 20.0 19.6 18.4 18.2 20.6 20.8 15.0 10.3 9.4 7.3
Goodwill 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 8,005.8 0 0 0 0 0 59.3 56.9 43.6 43.7 0 0 0 4.4 17.9 42.8 43.7 19.5 10.2 10.0 6.3 0 0 0
Other Non-Current Assets 35.8 (901.2) (830.1) (780.1) 110.9 97.4 (287.4) (198.6) 33.4 26.3 (78.0) (61.5) (19.7) (22.9) (37.8) (62.4) (62.1) (37.7) (30.8) (30.8) (21.3) (10.3) (9.4) (7.3)
Total Non-Current Assets 9,021 0 0 0 168.2 156.8 94.8 78.3 53.9 44.5 34.5 34.6 19.7 22.9 37.8 62.4 62.1 37.7 30.8 30.8 21.3 10.3 9.4 7.3
Total Assets 9,598.5 9,741.1 8,393.8 7,633.4 7,050.9 7,489 7,423.2 6,237.4 4,985.6 4,218 1,176.2 1,139.4 591.3 943.8 842.3 861.4 671.0 660.2 751.9 1,115.6 1,074.4 686.4 425.9 203
Current Liabilities
Account Payables 0 0 0 0 175 186.7 206.4 186.4 151.7 143.9 77.3 83.9 65.1 33.1 22.2 34.2 0 34.0 26.0 26.6 33.1 0 0 0
Short-Term Debt 2,183.5 87.3 74.1 1,507.9 2.6 95.9 11.3 550 0 749.6 110.7 434.8 7.7 0 43.6 0 0 0 0 0 20.2 0 0 0
Deferred Revenue 0 0 0 0 0 0 0 (171.9) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 0 (87.3) (74.1) (1,507.9) (2.6) (95.9) (217.7) (738.9) (191.6) (893.5) (110.7) (518.8) (72.8) (33.1) (6.1) (26.8) (33.1) (34.0) (0.8) (26.6) (2.6) 0 0 0
Total Current Liabilities 2,183.5 0 0 0 175.2 186.9 206.6 188.9 191.6 167.5 77.3 84.8 72.8 33.1 65.8 34.2 0 34.0 26.0 26.6 53.3 0 0 0
Non-Current Liabilities
Long-Term Debt 4,172.5 6,265.6 4,993.4 3,082.8 4,616.3 4,608.6 4,538.8 3,820.9 3,070.8 2,603.7 396.3 206.9 183.7 105.4 107.9 202.5 149.1 150.8 215.2 387.9 284.9 95.8 79.7 4.6
Deferred Tax Liabilities 1,320.8 1,205.6 1,172.8 1,155.4 435.2 391 322.5 236.7 187.4 273.1 93.8 75.1 31.8 22.8 11.7 10.7 10.7 9.8 11.1 14.6 9.0 0 0 0
Other Non-Current Liabilities 324.1 (7,547.1) (6,233.8) (4,292.6) 0 0 529.1 0 151.7 143.9 110.7 434.8 (225.4) (129.2) (121.5) (213.2) (159.8) (160.6) (226.3) (402.5) (293.9) (95.8) (79.7) (4.6)
Total Non-Current Liabilities 5,891.4 0 0 0 5,051.5 4,999.6 4,861.3 4,057.6 3,258.2 2,876.8 600.7 716.8 225.4 129.2 121.5 213.2 159.8 160.6 226.3 402.5 293.9 95.8 79.7 4.6
Total Liabilities 8,074.9 7,991.5 6,640.1 6,009.4 5,226.7 5,186.5 5,067.9 4,246.5 3,449.8 3,044.3 678.0 801.6 290.4 586.2 518.5 573.0 159.8 397.3 475.7 866.6 828.3 95.8 79.7 4.6
Stockholders' Equity
Common Stock 0.1 0.1 0.1 0.1 0.1 0.2 0.2 0.2 0.2 0.2 0.3 0.3 0.4 0.4 0.4 0.4 0.4 0.5 0.5 0.5 0.5 0 0 0
Retained Earnings 1,119.2 1,414.7 1,475.6 1,381.1 1,626.7 2,138.8 2,196.6 1,836.1 1,390.3 1,042 474.4 328.2 271.9 227.0 214.9 185.2 156.0 132.3 143.0 118.0 116.5 75 45.4 24.8
Accumulated Other Comprehensive Income 1 (0.3) (1) (2.9) 0.2 1.6 0.8 (0.3) (0.2) (0.2) (0.9) (2.6) 3.0 5.0 1.4 (6.1) (4.4) 1.3 2.9 2.2 3.8 0 0 0
Total Stockholders' Equity 1,523.6 1,749.6 1,753.7 1,624 1,824.2 2,302.5 2,355.3 1,990.9 1,535.8 1,173.7 498.2 337.8 300.9 357.6 323.8 288.4 262.2 263.0 276.3 249.0 246.1 199 75.7 54.7
Total Liabilities & Equity 9,598.5 9,741.1 8,393.8 7,633.4 7,050.9 7,489 7,423.2 6,237.4 4,985.6 4,218 1,176.2 1,139.4 591.3 943.8 842.3 861.4 671.0 660.2 751.9 1,115.6 1,074.4 686.4 425.9 203
Debt Metrics
Total Debt 6,353.9 6,352.9 5,067.5 4,590.7 4,618.9 4,704.5 4,538.8 3,820.9 3,070.8 2,603.7 507.0 641.7 201.2 106.5 153.4 202.5 149.1 150.8 215.2 387.9 305.1 95.8 79.7 4.6
Net Debt 5,853.2 5,507.9 4,596.6 4,173 4,595.6 4,688.5 4,351.4 3,795.2 3,062.6 2,589.1 504.8 638.6 200.6 70.4 139.9 186.8 128.4 139.6 201.5 387.5 304.9 95.8 79.7 4.6
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 423.9 247.9 286.1 535.8 958.3 421 656.1 574 470.2 332.8 72.7 57.3 28.2 31.1 29.2 23.6 (10.7) 25 1.5 41.5 29.6 20.6 12.4
Depreciation & Amortization 26.6 27.8 26.6 25.6 26.3 23.8 22.4 19.5 16.4 15.3 5.2 5.8 8.7 4.7 4.7 3.7 4.7 3.8 2.6 1.4 0.9 0.6 0.3
Stock-Based Compensation 50.7 45 39.1 36.5 24.8 6.2 7.6 10.3 15.4 7.4 0 2.7 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (98.3) 48.4 151.4 166.8 7.3 (97.7) (37.3) (5.9) 20.2 37.2 12.9 (0.2) (12.9) (9.1) 11.8 13.0 (10.0) 16.1 (67.2) 16.0 15.8 12.4 2.4
Other Non-Cash Items 617.1 839.2 738.6 481.7 8 563.6 78 56.7 129.4 90.3 2.2 4.3 27.4 31.9 23.2 18.1 53.0 14.3 119.6 13.1 (0.8) (2.5) 0.4
Operating Cash Flow 1,054.6 1,137.9 1,203.8 1,238.7 1,069.4 985.2 812.3 703.9 566 507.2 105.0 82.8 64.1 59.6 68.8 59.4 35.7 55.7 62.1 72.9 48.3 32.4 16.7
Investing Activities
Capital Expenditure (1.6) (1.8) (4) (3.1) (7.6) (8.5) (26.8) (25.1) (8.4) (5.5) (2.9) (3.6) (3.1) (6.4) (5.9) (3.9) (4.8) (3.6) (8.9) (6.0) (1.9) (2.8) (6.8)
Acquisitions 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 16.1 0 0 0 0 0 0
Purchases of Investments (43.3) (59) (43.3) (50.1) (38.8) (43.2) (40.1) (43.8) (34.5) (39.1) (3.2) (0.9) 0 0 0 0 (1.4) (0.2) (3.7) (3.8) (1.1) 0 0
Sales/Maturities of Investments 45.6 46.2 8.5 35.4 40.5 13 41 11.5 5.6 5.8 475.8 398.0 349.1 337.2 0 0.4 5.2 0 0 0.0 0 0.7 6.6
Other Investing Activities (675) (1,706.5) (1,378) (442.8) 443.2 (634.8) (998.3) (1,180.9) (834.5) (839.4) (520.1) (456.8) (384.5) (304.1) (111.3) (29.9) 9.1 132.2 (153.4) 278.4 186.4 131.1 84.6
Investing Cash Flow (674.3) (1,721.1) (1,416.8) (460.6) 437.3 (673.5) (1,024.2) (1,238.3) (871.8) (878.2) (50.4) (63.2) (38.4) 26.6 (117.2) (33.5) 24.2 128.4 (166) 268.6 183.4 129 84.4
Financing Activities
Net Debt Issuance (3.9) 1,293.7 490.5 (29) 8.5 67.1 726.8 749.7 470.9 535.8 (47.2) 84.4 (47.0) (59.3) 45.9 102.2 (59.8) (172.8) 102.8 193.1 16.1 75.1 (102.3)
Stock Repurchased (725.4) (313.3) (202.6) (784.5) (1,471.8) (480.8) (300.4) (129.1) (123.5) (121.7) 0 (107.2) (5.3) (7.0) (3.3) (18.9) (1.5) 0 0 0 0 0 0
Dividends Paid 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Financing Activities (18.8) (23.1) (21.7) 18.9 (5.4) (19.5) (26.1) (20.7) (17.1) 22.5 0 5.0 43.6 (33.4) 0 (104.5) 0 (0.0) (0.1) (540.0) (250.9) (239.2) 0
Financing Cash Flow (724.6) 957.3 266.2 (794.6) (1,468.7) (433.2) 400.3 599.9 330.3 436.6 (47.0) (17.8) (6.7) (96.1) 44.6 (21.1) (60.9) (171.4) 105.6 (345.4) (231.5) (163.6) (102.2)
Cash Position
Net Change in Cash (344.3) 374.1 53.2 (16.5) 38 (121.5) 188.4 65.5 24.5 65.6 6.5 (0.5) 22.6 (2.3) (5.5) (0.8) (2.7) 13.4 0.1 0.2 (0.1) (163.6) (102.2)
Cash at Beginning 845 470.9 417.7 434.2 396.2 517.7 329.3 263.8 239.3 173.7 0.6 1.1 13.5 15.8 21.3 21.6 13.8 0.3 0.2 0.0 0.1 2.3 3.5
Cash at End 500.7 845 470.9 417.7 434.2 396.2 517.7 329.3 263.8 239.3 7.1 0.6 36.0 13.5 15.8 20.7 11.1 13.8 0.3 0.2 0 (161.3) (98.7)
Free Cash Flow 1,053.0 1,136.1 1,199.8 1,235.6 1,061.8 976.7 785.5 678.8 557.6 501.7 102.1 79.2 61.0 53.2 62.9 55.5 30.9 52.1 53.2 66.9 46.4 29.6 9.9
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 2,317.2 2,134.3 1,879.8 1,823 1,850.9 1,665.2 1,479.4 1,280 1,107.2 965.2 823.6 722 678.9 608.5 523.4 440.5 378.5 307.3 232.6 214.4 198.5 164.3 0 0 0 0 0 0 0 0 0 0 0
Gross Profit 2,288.2 1,332.1 1,262.4 1,348 1,429.8 1,248.8 1,059.8 929.6 824.2 715 598 525.1 485.8 428.1 372.8 308 259.9 192.4 140.5 149.8 145.5 117.4 0 0 0 0 0 0 0 0 0 0 0
Operating Income 1,103.7 325.1 347.3 702.3 1,255.8 0 848.1 749.3 581 527.2 472.8 441.2 395 342.4 294.6 251.9 226.9 107.0 83.1 90.6 106.5 84.7 43.5 48.6 41.2 36.0 (18.7) 37.6 1.3 63.6 45.5 31.6 19.2
Net Income 423.9 247.9 286.1 535.8 958.3 421 656.1 574 470.2 332.8 299.7 266.2 253.1 219.7 188 170.1 146.3 67.2 54.9 58.6 72.6 57.3 28.2 29.7 24.7 23.6 (12.6) 25 1.5 41.5 29.6 20.6 12.4
EPS (Diluted) 37.55 19.88 21.99 39.32 59.52 23.47 34.57 29.39 24.04 16.31 14.28 11.92 10.54 8.58 7.07 5.67 4.62 2.16 1.76 1.66 1.85 1.40 0.65 0.68 0.57 0.53 -0.23 0.53 0.03 0.89 0.68 0.49 0.29
Balance Sheet
Cash & Equivalents 500.7 845 470.9 417.7 23.3 16 187.4 25.7 8.2 14.6 2.2 3.2 0.6 36.0 13.5 15.8 20.7 11.1 13.8 0.3 0.2 0 0 0
Total Assets 9,598.5 9,741.1 8,393.8 7,633.4 7,050.9 7,489 7,423.2 6,237.4 4,985.6 4,218 1,176.2 1,139.4 591.3 943.8 842.3 861.4 671.0 660.2 751.9 1,115.6 1,074.4 686.4 425.9 203
Total Debt 6,353.9 6,352.9 5,067.5 4,590.7 4,618.9 4,704.5 4,538.8 3,820.9 3,070.8 2,603.7 507.0 641.7 201.2 106.5 153.4 202.5 149.1 150.8 215.2 387.9 305.1 95.8 79.7 4.6
Stockholders' Equity 1,523.6 1,749.6 1,753.7 1,624 1,824.2 2,302.5 2,355.3 1,990.9 1,535.8 1,173.7 498.2 337.8 300.9 357.6 323.8 288.4 262.2 263.0 276.3 249.0 246.1 199 75.7 54.7
Cash Flow
Operating Cash Flow 1,054.6 1,137.9 1,203.8 1,238.7 1,069.4 985.2 812.3 703.9 566 507.2 105.0 82.8 64.1 59.6 68.8 59.4 35.7 55.7 62.1 72.9 48.3 32.4 16.7
Capital Expenditure (1.6) (1.8) (4) (3.1) (7.6) (8.5) (26.8) (25.1) (8.4) (5.5) (2.9) (3.6) (3.1) (6.4) (5.9) (3.9) (4.8) (3.6) (8.9) (6.0) (1.9) (2.8) (6.8)
Free Cash Flow 1,053.0 1,136.1 1,199.8 1,235.6 1,061.8 976.7 785.5 678.8 557.6 501.7 102.1 79.2 61.0 53.2 62.9 55.5 30.9 52.1 53.2 66.9 46.4 29.6 9.9