CREDIT ACCEPTANCE CORPORATION |
Market Closed -
Other stock markets
|
5-day change | 1st Jan Change | ||
| 526.6 USD | +2.15% |
|
-1.66% | -1.15% |
| Mar. 25 | Credit Acceptance Insider Sold Shares Worth $1,431,450, According to a Recent SEC Filing | MT |
| Mar. 04 | Credit Acceptance Insider Sold Shares Worth $6,927,701, According to a Recent SEC Filing | MT |
Valuation
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Capitalization 1 | 8,390 | 6,165 | 10,257 | 6,131 | 6,695 | 6,435 | - |
| Enterprise Value (EV) 1 | 8,390 | 6,165 | 10,257 | 6,131 | 6,695 | 6,435 | 6,435 |
| P/E ratio | 12.8 x | 14.7 x | 11.6 x | 12.1 x | 24.2 x | 14.6 x | 12.4 x |
| Yield | - | - | - | - | - | - | - |
| Capitalization / Revenue | 5.63 x | 3.69 x | 5.53 x | 3.35 x | 3.52 x | 3.1 x | 2.85 x |
| EV / Revenue | 5.63 x | 3.69 x | 5.53 x | 3.35 x | 3.52 x | 3.1 x | 2.85 x |
| EV / EBITDA | - | - | - | - | - | - | - |
| EV / FCF | - | - | - | - | - | - | - |
| FCF Yield | - | - | - | - | - | - | - |
| Price to Book | 3.55 x | 2.57 x | 5.33 x | - | - | - | - |
| Nbr of stocks (in thousands) | 18,968 | 17,812 | 14,915 | 12,925 | 12,567 | 12,221 | - |
| Reference price 2 | 442.3 | 346.1 | 687.7 | 474.4 | 532.7 | 526.6 | 526.6 |
| Announcement Date | 1/30/20 | 2/1/21 | 1/31/22 | 1/31/23 | 1/31/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Net sales 1 | 1,489 | 1,669 | 1,856 | 1,832 | 1,902 | 2,073 | 2,255 |
| EBITDA | - | - | - | - | - | - | - |
| EBIT 1 | 1,052 | 1,152 | 1,308 | 1,240 | 1,176 | 893.1 | 906.5 |
| Operating Margin | 70.66% | 68.99% | 70.48% | 67.64% | 61.85% | 43.07% | 40.21% |
| Earnings before Tax (EBT) 1 | 855.9 | 549.5 | 1,261 | 711.7 | 367.6 | 610.1 | 701 |
| Net income 1 | 656.1 | 421 | 958.3 | 535.8 | 286.1 | 469.1 | 538.1 |
| Net margin | 44.06% | 25.22% | 51.63% | 29.24% | 15.04% | 22.63% | 23.86% |
| EPS 2 | 34.57 | 23.47 | 59.52 | 39.32 | 21.99 | 36.12 | 42.49 |
| Free Cash Flow | - | - | - | - | - | - | - |
| FCF margin | - | - | - | - | - | - | - |
| FCF Conversion (EBITDA) | - | - | - | - | - | - | - |
| FCF Conversion (Net income) | - | - | - | - | - | - | - |
| Dividend per Share | - | - | - | - | - | - | - |
| Announcement Date | 1/30/20 | 2/1/21 | 1/31/22 | 1/31/23 | 1/31/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: December | 2021 Q3 | 2021 Q4 | 2022 Q1 | 2022 Q2 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 470.1 | 463.2 | 455.7 | 457.4 | 460.3 | 459 | 453.8 | 477.9 | 478.6 | 491.6 | 497.7 | 513.8 | 525.4 | 536.4 | 544.3 |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBIT 1 | - | 320.1 | - | - | - | - | - | 298.1 | 297.6 | 298.5 | 200.5 | 219.4 | 229.1 | 244.1 | 209.9 |
| Operating Margin | - | 69.11% | - | - | - | - | - | 62.38% | 62.18% | 60.72% | 40.28% | 42.7% | 43.6% | 45.51% | 38.56% |
| Earnings before Tax (EBT) 1 | 332.2 | 284.7 | 284.5 | 142.1 | 122.1 | 163 | 126.8 | 27.9 | 96.5 | 116.4 | 130.6 | 143 | 157.3 | 179.2 | 138.9 |
| Net income 1 | 250 | 217.6 | 214.3 | 107.4 | 86.8 | 127.3 | 99.5 | 22.2 | 70.8 | 93.6 | 100.3 | 110 | 121 | 137.8 | 108.4 |
| Net margin | 53.18% | 46.98% | 47.03% | 23.48% | 18.86% | 27.73% | 21.93% | 4.65% | 14.79% | 19.04% | 20.15% | 21.4% | 23.03% | 25.69% | 19.91% |
| EPS 2 | 15.79 | 14.60 | 14.94 | 7.940 | 6.490 | 9.580 | 7.610 | 1.690 | 5.430 | 7.290 | 7.650 | 8.433 | 9.347 | 10.72 | 9.330 |
| Dividend per Share | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Announcement Date | 11/1/21 | 1/31/22 | 5/2/22 | 8/1/22 | 11/1/22 | 1/31/23 | 5/1/23 | 8/1/23 | 10/30/23 | 1/31/24 | - | - | - | - | - |
1USD in Million2USD
Estimates
Balance Sheet Analysis
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Net Debt | - | - | - | - | - | - | - |
| Net Cash position | - | - | - | - | - | - | - |
| Leverage (Debt/EBITDA) | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - |
| ROE (net income / shareholders' equity) | 29.8% | 29.5% | 46.4% | - | 31.7% | 30.5% | 30.9% |
| ROA (Net income/ Total Assets) | 9.61% | 9.2% | 13.2% | - | 7.38% | 6.9% | 7.3% |
| Assets 1 | 6,830 | 4,574 | 7,270 | - | 3,877 | 6,799 | 7,371 |
| Book Value Per Share | 125.0 | 135.0 | 129.0 | - | - | - | - |
| Cash Flow per Share | 42.80 | 54.90 | 66.40 | - | - | - | - |
| Capex | - | - | - | - | - | - | - |
| Capex / Sales | - | - | - | - | - | - | - |
| Announcement Date | 1/30/20 | 2/1/21 | 1/31/22 | 1/31/23 | 1/31/24 | - | - |
1USD in Million
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Change in Enterprise Value/EBITDA
Trading Rating
Investor Rating
ESG Refinitiv
B-
Sell
Buy
Mean consensus
UNDERPERFORM
Number of Analysts
3
Last Close Price
526.6
USD
Average target price
491
USD
Spread / Average Target
-6.76%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| -1.15% | 6.44B | |
| +12.54% | 11.95B | |
| +11.16% | 3.24B | |
| +0.84% | 2.6B | |
| -42.58% | 2.06B | |
| +0.94% | 1.09B | |
| +2.44% | 884M | |
| +0.43% | 793M | |
| +74.17% | 466M | |
| -29.89% | 396M |
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- CACC Stock
- Financials Credit Acceptance Corporation
