Credit Acceptance Corporation

CACC

$603.31

+0.29%

2026-09-04 09:47:50 EDT+$1.73

Financial Services

Financial - Credit Services

NASDAQ

Active Trading

Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money ...

Financial Highlights of CACC

Profitability trend

Latest / TTM · 6 periods

Gross Margin

89.7%

Net Margin

21.6%

P/E Ratio

12.96x

n/a

Debt / Equity

3.96

n/a

Current Ratio

21.22

Dividend Yield

0.0%

Understanding

TTM —

High debt to equity

Financial highlights

Latest / TTM · 6 periods

Snapshot

Latest / TTM: 2026-09-04

Gross Margin

89.7%

Net Margin

21.6%

P/E Ratio

12.96x

Debt / Equity

3.96

Profitability

Profitability table

Metric	2021	2022	2023	2024	2025	2026
Gross MarginGross profit as a percentage of revenue.	77.2%	73.9%	67.2%	62.4%	98.7%	—
Operating MarginOperating income as a percentage of revenue.	67.8%	38.5%	18.5%	15.2%	47.6%	—
Net MarginNet income as a percentage of revenue.	51.8%	29.4%	15.2%	11.6%	18.3%	—
EBITDA MarginEBITDA divided by revenue.	69.3%	39.9%	19.9%	16.5%	45.6%	—
Pre-tax MarginPre-tax profit as a percentage of revenue.	68.1%	39.0%	19.6%	15.4%	24.4%	—

Liquidity & leverage

Liquidity & leverage table

Metric	2021	2022	2023	2024	2025	2026
Current RatioCurrent assets divided by current liabilities.	39.28	0.00	0.00	0.00	0.26	—
Quick RatioLiquid assets divided by current liabilities.	39.28	0.00	0.00	0.00	0.26	—
Cash RatioCash and equivalents divided by current liabilities.	0.13	0.00	0.00	0.00	0.23	—
Debt / AssetsDebt as a share of total assets.	65.5%	60.1%	60.4%	65.2%	66.2%	—
Debt / EquityDebt compared with shareholder equity.	2.53	2.83	2.89	3.63	4.17	—

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	2026
Receivables TurnoverHow often receivables are collected in a year.	0.29x	209.54x	437.16x	508.17x	34.48x	—
Inventory TurnoverHow often inventory is sold in a year.	0.00x	0.00x	0.00x	0.00x	0.00x	—
Payables TurnoverHow often payables are paid in a year.	2.41x	0.00x	0.00x	0.00x	0.00x	—
Asset TurnoverRevenue generated per dollar of assets.	0.26x	0.24x	0.22x	0.22x	0.24x	—
Working Capital TurnoverRevenue generated per dollar of working capital.	0.27x	0.54x	0.00x	0.00x	-2.89x	—

Valuation ratios

Valuation ratios table

Metric	2021	2022	2023	2024	2025	2026
P/E RatioPrice paid for each dollar of earnings.	11.54x	12.01x	24.12x	23.33x	11.59x	—
P/B RatioPrice paid for each dollar of book value.	6.06x	3.96x	3.93x	3.31x	3.22x	—
P/S RatioPrice paid for each dollar of sales.	5.98x	3.53x	3.67x	2.71x	2.12x	—
P/FCF RatioPrice paid for each dollar of free cash flow.	10.42x	5.21x	5.75x	5.09x	4.67x	—
Dividend YieldAnnual dividend divided by current share price.	0.0%	0.0%	0.0%	0.0%	0.0%	—

Supply Chain of CACC

RELATIONS

Upstream

JPMorgan Chase & Co.NYSE:JPM Wells Fargo & CompanyNYSE:WFC Barclays PLCNYSE:BCS UBS Group AGNYSE:UBS Bank of America Merrill LynchNYSE:BACInstitutional ABS Investors (Pension Funds, Insurance Cos, Asset Managers)Fitch Ratings, Inc.S&P Global RatingsNYSE:SPGI Moody's CorporationNYSE:MCO

Downstream

Independent Auto Dealers (Network of ~10,000+ dealers nationwide)Franchised Auto Dealerships (Domestic & Import Brands)Subprime Auto Loan Borrowers (Consumers)

Proxies

Santander Consumer USA Holdings Inc.NYSE:SC Ally Financial Inc.NYSE:ALLYAmerican Credit Acceptance LLC (Private)UnconfirmedOneMain Holdings Inc.NYSE:OMFLCM Partners/Structured Credit (Private)Unconfirmed

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