Credit Acceptance
CACC
532.55
-4.03
-0.75%
Credit Acceptance
US · CACC
#2026 by market cap
Listed 1970
532.55
-4.03
-0.75%
Live - 5344 symbols - heartbeat 486s ago
· 2026-10-08 06:43
Pre-market
531.48
-0.20%
After-hours
532.55
0.00%
- Market cap
- 5.53B
- P/E (TTM)i
- 11.75
- P/Bi
- 3.48
- EPSi
- 36.38
- Div yieldi
- 0.00%
- 52W posi
- 49%
Reader sentiment
Are you bullish or bearish on CACC?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Fair
- Altman Z-Score is 2.28, in the 1.8-3.0 "grey zone".
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +7.16% YoY
Margins
- Gross margin
- 61.90%
- Operating margin
- 27.09%
- Net margin
- 18.53%
Key ratios & quality
- Altman Z-Scorei
- 2.28
Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1.29B | 1.49B | 1.67B | 1.86B | 1.83B | 1.90B | 2.16B | 2.32B |
| Gross profit | 929.60M | 1.06B | 1.25B | 1.43B | 1.35B | 1.26B | 1.33B | 1.42B |
| Selling & admin expenses | 123.40M | 135.30M | 139.10M | 165.60M | 164.30M | 178.90M | 192.30M | 180.20M |
| Research & development | -- | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | 749.30M | 848.10M | 552.80M | 1.26B | 702.30M | 347.30M | 325.10M | 619.90M |
| Pretax profit | 755.10M | 855.90M | 549.50M | 1.26B | 711.70M | 367.60M | 329.50M | 565.40M |
| Tax | 181.10M | 199.80M | 128.50M | 302.60M | 175.90M | 81.50M | 81.60M | 141.50M |
| Net profit | 574.00M | 656.10M | 421.00M | 958.30M | 535.80M | 286.10M | 247.90M | 423.90M |
| Basic EPS | 30 | 35 | 24 | 60 | 40 | 22 | 20 | 37 |
| Diluted EPS | 29.39 | 34.57 | 23.47 | 59.52 | 39.32 | 21.99 | 19.88 | 36.38 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 571.10M | 583.80M | 582.40M | 579.90M | 580.00M | 587.40M |
| Gross profit | 342.90M | 354.00M | 356.00M | 363.30M | 362.00M | 378.60M |
| Selling & admin expenses | 46.90M | 71.80M | 61.10M | 400.00K | 52.60M | 56.00M |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 134.10M | 109.60M | 142.90M | 233.30M | 169.80M | 163.40M |
| Pretax profit | 141.70M | 117.80M | 148.90M | 157.00M | 175.00M | 168.60M |
| Tax | 35.40M | 30.40M | 40.70M | 35.00M | 39.20M | 32.70M |
| Net profit | 106.30M | 87.40M | 108.20M | 122.00M | 135.80M | 135.90M |
| Basic EPS | 9 | 8 | 10 | 11 | 13 | 13 |
| Diluted EPS | 8.66 | 7.42 | 9.43 | 10.99 | 12.40 | 12.66 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 6.10B | 7.27B | 7.33B | 6.88B | 6.73B | 7.44B | 8.71B | 8.49B |
| Cash & ST investments | 25.70M | 187.40M | 16.00M | 23.30M | 7.70M | 13.20M | 343.70M | 22.80M |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 6.24B | 7.42B | 7.49B | 7.05B | 6.90B | 7.61B | 8.85B | 8.63B |
| Total current liabilities | 188.90M | 206.60M | 186.90M | 175.20M | 263.30M | 399.80M | 433.00M | 400.20M |
| Short-term debt | -- | -- | -- | -- | -- | -- | -- | -- |
| Long-term debt | 3.82B | 4.54B | 4.61B | 4.62B | 4.59B | 5.07B | 6.35B | 6.35B |
| Total liabilities | 4,246,500,000.00 | 5,067,900,000.00 | 5,186,500,000.00 | 5,226,700,000.00 | 5,280,700,000.00 | 5,856,500,000.00 | 7,105,000,000.00 | 7,108,100,000.00 |
| Total equity | 1.99B | 2.36B | 2.30B | 1.82B | 1.62B | 1.75B | 1.75B | 1.52B |
| Retained earnings | 1.96B | 2.49B | 2.14B | 1.63B | 1.38B | 1.48B | 1.41B | 1.12B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 9.12B | 8.58B | 8.49B | 8.49B | 8.54B | 8.47B |
| Cash & ST investments | 528.80M | 70.00M | 15.90M | 22.80M | 25.70M | 1.40M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 9.26B | 8.72B | 8.64B | 8.63B | 8.69B | 8.62B |
| Total current liabilities | 521.00M | 392.60M | 394.80M | 400.20M | 415.30M | 398.30M |
| Short-term debt | -- | -- | -- | -- | -- | -- |
| Long-term debt | 6.71B | 6.47B | 6.37B | 6.35B | 6.41B | 6.29B |
| Total liabilities | 7,547,100,000.00 | 7,169,900,000.00 | 7,062,000,000.00 | 7,108,100,000.00 | 7,180,500,000.00 | 7,033,700,000.00 |
| Total equity | 1.71B | 1.55B | 1.58B | 1.52B | 1.51B | 1.59B |
| Retained earnings | 1.36B | 1.18B | 1.19B | 1.12B | 1.08B | 1.08B |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 703.90M | 812.30M | 985.20M | 1.07B | 1.24B | 1.20B | 1.14B | 1.05B |
| Depreciation & amortization | 19.50M | 22.40M | 23.80M | 26.30M | 25.60M | 26.60M | 27.80M | 26.60M |
| Free cash flow | 678.80M | 785.50M | 976.70M | 1.06B | 1.24B | 1.20B | 1.14B | 1.05B |
| Dividends paid | -- | -- | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -129.10M | -300.40M | -480.80M | -1.47B | -784.50M | -202.60M | -313.30M | -725.40M |
| Ending cash balance | 329.30M | 517.70M | 396.20M | 434.20M | 417.70M | 470.90M | 845.00M | 500.70M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 346.20M | 139.70M | 299.40M | 269.30M | 346.80M | 309.50M |
| Depreciation & amortization | 6.90M | 6.80M | 6.80M | 6.10M | 5.90M | 5.40M |
| Free cash flow | 345.90M | 139.40M | 298.80M | 268.90M | 345.50M | 307.90M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -164.40M | -262.20M | -107.40M | -191.40M | -178.90M | -141.40M |
| Ending cash balance | 1.12B | 563.80M | 498.80M | 500.70M | 551.40M | 492.10M |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | 32.55 | 30.19 | 18.08 | 46.44 | 31.08 | 16.94 | 14.15 | 25.90 |
| ROA %i | 10.23 | 9.61 | 5.65 | 13.18 | 7.68 | 3.94 | 3.01 | 4.85 |
| ROIC %i | 10.95 | 10.22 | 6.07 | 15.62 | 8.39 | 4.15 | 3.06 | 5.05 |
| 5-year avg ROE %i | 34.47 | 33.18 | 29.44 | 32.39 | 31.67 | 28.55 | 25.34 | 26.90 |
| EBIT margin %i | 58.54 | 57.33 | 33.20 | 67.90 | 39.28 | 18.48 | 15.23 | 27.09 |
| FCF / sales %i | 53.03 | 53.10 | 58.65 | 57.27 | 67.67 | 63.83 | 53.23 | 46.02 |
| Current ratioi | 32.30 | 35.21 | 39.23 | 39.28 | 25.55 | 18.60 | 20.11 | 21.21 |
| Quick ratioi | 30.69 | 33.59 | 37.19 | 36.92 | 23.98 | 17.44 | 18.93 | 19.99 |
| Debt / assetsi | 61.26 | 61.13 | 61.54 | 65.47 | 66.49 | 66.59 | 71.75 | 73.61 |
| LT debt / equityi | 191.92 | 192.67 | 200.16 | 253.06 | 282.68 | 288.96 | 363.11 | 417.03 |
| Interest coveragei | -- | -- | -- | -- | -- | -- | -- | -- |
| Revenue CAGR (3Y) %i | 15.83 | 15.30 | 14.57 | 13.08 | 7.21 | 4.12 | 4.86 | 7.87 |
| Net income CAGR (3Y) %i | 24.19 | 25.39 | -3.62 | 18.63 | -6.53 | -12.08 | -36.28 | -7.51 |
| FCF CAGR (3Y) %i | 19.26 | 16.12 | 20.54 | 16.08 | 16.30 | 7.10 | 2.28 | -5.19 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 17.24 | 27.30 | 28.14 | 25.90 | 28.12 | 31.93 |
| ROA %i | 3.34 | 5.00 | 5.24 | 4.85 | 5.05 | 5.79 |
| ROIC %i | 3.42 | 5.17 | 5.45 | 5.05 | 5.33 | 6.11 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 17.27 | 23.54 | 25.10 | 27.09 | 28.50 | 30.75 |
| FCF / sales %i | 53.41 | 49.49 | 47.96 | 46.02 | 45.76 | 52.93 |
| Current ratioi | 17.50 | 21.86 | 21.51 | 21.21 | 20.57 | 21.26 |
| Quick ratioi | 16.34 | 20.58 | 20.27 | 19.99 | 19.29 | 20.01 |
| Debt / assetsi | 72.43 | 74.17 | 73.71 | 73.61 | 73.71 | 72.90 |
| LT debt / equityi | 391.91 | 416.23 | 403.46 | 417.03 | 423.26 | 395.63 |
| Interest coveragei | -- | -- | -- | -- | -- | -- |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
Revenue breakdown most recent period
Business
Offering Dealers innovative financing solutions and related products and services that enable them100.00%
Quote time 2026-10-08 06:43:41 · For reference only, not investment advice and not tailored to your situation.