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Credit Acceptance Corporation CACC

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Price alert · CACC

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499.06 USD +18.41 (+3.83%)

Nov 4, 2026, 3:05 PM EST

480.61 Day range 504.31
401.90 52-week range 668.86
YTD
+12.54%
1 year
+16.12%

Financial health

Altman Z-Score

2.23 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 5
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 1
  • P/E 2
  • P/B 1

Valuation

P/E 11.6×
FY 2016: 13.3×FY 2017: 13.4×FY 2018: 12.9×FY 2019: 12.7×FY 2020: 14.7×FY 2021: 11.5×FY 2022: 12.0×FY 2023: 24.1×FY 2024: 23.3×FY 2025: 11.6×
FY 2016 5y median 12.0× FY 2025
P/S 2.1×
FY 2016: 4.6×FY 2017: 5.7×FY 2018: 5.8×FY 2019: 5.7×FY 2020: 3.7×FY 2021: 6.0×FY 2022: 3.5×FY 2023: 3.7×FY 2024: 2.7×FY 2025: 2.1×
FY 2016 5y median 3.5× FY 2025
P/B 3.2×
FY 2016: 3.8×FY 2017: 4.1×FY 2018: 3.7×FY 2019: 3.5×FY 2020: 2.7×FY 2021: 6.1×FY 2022: 4.0×FY 2023: 3.9×FY 2024: 3.3×FY 2025: 3.2×
FY 2016 5y median 3.9× FY 2025
P/FCF 4.7×
FY 2016: 8.8×FY 2017: 11.3×FY 2018: 10.9×FY 2019: 10.6×FY 2020: 6.3×FY 2021: 10.4×FY 2022: 5.2×FY 2023: 5.8×FY 2024: 5.1×FY 2025: 4.7×
FY 2016 5y median 5.2× FY 2025
EV/EBITDA 10.2×
FY 2016: 12.9×FY 2017: 15.7×FY 2018: 14.6×FY 2019: 14.6×FY 2020: 18.9×FY 2021: 12.2×FY 2022: 14.6×FY 2023: 30.7×FY 2024: 32.0×FY 2025: 10.2×
FY 2016 5y median 14.6× FY 2025
EV/Sales 4.6×
FY 2016: 7.3×FY 2017: 8.5×FY 2018: 8.8×FY 2019: 8.6×FY 2020: 6.5×FY 2021: 8.5×FY 2022: 5.8×FY 2023: 6.1×FY 2024: 5.3×FY 2025: 4.6×
FY 2016 5y median 5.8× FY 2025
FCF Yield 21.4%
FY 2016: 11.3%FY 2017: 8.8%FY 2018: 9.1%FY 2019: 9.4%FY 2020: 15.8%FY 2021: 9.6%FY 2022: 19.2%FY 2023: 17.4%FY 2024: 19.6%FY 2025: 21.4%
FY 2016 5y median 19.2% FY 2025

Profitability

Gross Margin 98.7%
FY 2016: 74.1%FY 2017: 74.4%FY 2018: 72.6%FY 2019: 71.6%FY 2020: 75.0%FY 2021: 77.2%FY 2022: 73.9%FY 2023: 67.2%FY 2024: 62.4%FY 2025: 98.7%
FY 2016 5y median 73.9% FY 2025
Operating Margin 47.6%
FY 2016: 54.6%FY 2017: 52.5%FY 2018: 58.5%FY 2019: 57.3%FY 2020: 0.0%FY 2021: 67.8%FY 2022: 38.5%FY 2023: 18.5%FY 2024: 15.2%FY 2025: 47.6%
FY 2016 5y median 38.5% FY 2025
Net Margin 18.3%
FY 2016: 34.5%FY 2017: 42.5%FY 2018: 44.8%FY 2019: 44.3%FY 2020: 25.3%FY 2021: 51.8%FY 2022: 29.4%FY 2023: 15.2%FY 2024: 11.6%FY 2025: 18.3%
FY 2016 5y median 18.3% FY 2025
ROE 27.8%
FY 2016: 28.4%FY 2017: 30.6%FY 2018: 28.8%FY 2019: 27.9%FY 2020: 18.3%FY 2021: 52.5%FY 2022: 33.0%FY 2023: 16.3%FY 2024: 14.2%FY 2025: 27.8%
FY 2016 5y median 27.8% FY 2025
ROIC 8.6%
FY 2016: 6.9%FY 2017: 9.8%FY 2018: 8.6%FY 2019: 9.0%FY 2020: 0.0%FY 2021: 13.9%FY 2022: 35.1%FY 2023: 364.8%FY 2024: 280.2%FY 2025: 8.6%
FY 2016 5y median 35.1% FY 2025
ROA 4.4%
FY 2016: 7.9%FY 2017: 9.4%FY 2018: 9.2%FY 2019: 8.8%FY 2020: 5.6%FY 2021: 13.6%FY 2022: 7.0%FY 2023: 3.4%FY 2024: 2.5%FY 2025: 4.4%
FY 2016 5y median 4.4% FY 2025

Growth (YoY)

Revenue 8.6%
FY 2016: 17.2%FY 2017: 14.7%FY 2018: 15.6%FY 2019: 15.6%FY 2020: 12.6%FY 2021: 11.2%FY 2022: -1.5%FY 2023: 3.1%FY 2024: 13.5%FY 2025: 8.6%
FY 2016 FY 2025
Operating Income 239.5%
FY 2016: 11.5%FY 2017: 10.2%FY 2018: 29.0%FY 2019: 13.2%FY 2020: -100.0%FY 2021: 0.0%FY 2022: -44.1%FY 2023: -50.5%FY 2024: -6.4%FY 2025: 239.5%
FY 2016 FY 2025
EPS (diluted) 88.9%
FY 2016: 14.2%FY 2017: 47.4%FY 2018: 22.3%FY 2019: 17.6%FY 2020: -32.1%FY 2021: 153.6%FY 2022: -33.9%FY 2023: -44.1%FY 2024: -9.6%FY 2025: 88.9%
FY 2016 FY 2025
Free Cash Flow -7.3%
FY 2016: 25.4%FY 2017: 11.1%FY 2018: 21.7%FY 2019: 15.7%FY 2020: 24.3%FY 2021: 8.7%FY 2022: 16.4%FY 2023: -2.9%FY 2024: -5.3%FY 2025: -7.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.3×
FY 2016: 24.9×FY 2017: 25.7×FY 2018: 32.6×FY 2019: 35.5×FY 2020: 39.2×FY 2021: 39.3×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.3×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.3×
FY 2016: 21.9×FY 2017: 22.8×FY 2018: 32.0×FY 2019: 30.8×FY 2020: 39.2×FY 2021: 39.3×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.3×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 4.2×
FY 2016: 2.2×FY 2017: 2.0×FY 2018: 1.9×FY 2019: 1.9×FY 2020: 2.0×FY 2021: 2.5×FY 2022: 2.8×FY 2023: 2.9×FY 2024: 3.6×FY 2025: 4.2×
FY 2016 5y median 2.9× FY 2025
Net Debt / EBITDA 5.5×
FY 2016: 4.8×FY 2017: 5.1×FY 2018: 4.9×FY 2019: 5.0×FY 2020: 8.1×FY 2021: 3.6×FY 2022: 5.7×FY 2023: 12.3×FY 2024: 15.6×FY 2025: 5.5×
FY 2016 5y median 5.7× FY 2025
Interest Coverage 2.4×
FY 2016: 5.4×FY 2017: 4.8×FY 2018: 4.8×FY 2019: 4.3×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 2.4×
FY 2016 5y median 0.0× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31