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Company Analysis

Credit Acceptance Corporation CACC

A comprehensive view of key metrics, scores, and financial health for Credit Acceptance Corporation

Overview of Credit Acceptance Corporation

CACC NMS
Financial Services Credit Services Framework: Banks & Lenders Mid Cap
Credit Acceptance Corporation (CACC), is a Mid Cap company, in the Credit Services industry, last closed at $606.22, about 76.4% overvalued vs fair value, +20.2% 1Y return, ranked 588/1078 in sector.
Metrics P/E 12.2× Rev Growth 7.2% ROE 25.9% Gross Margin 61.9%
USD 606.22
-1.98%
(Delayed)
• Vol 90d: 39.1%
52-Week Range
Market Cap
$6.56B
Enterprise Value
$12.94B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Good
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Good
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats

Quick Facts

Website https://www.creditacceptance.c...
HQ Southfield, MI
Employees 2,314
Fiscal year Dec 31

Next Events

Earnings Jul 30 Estimated

Fair Value Snapshot

Bear Base Bull
$79
$143
$268
Current: $606.22 -76% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$27.5M
5%%
Interest Expense
$462.9M
Net Interest Income
$27.5M
5%%
Total Revenue
$2.3B
7.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
27.8%
Excellent

Net Income / Equity - key bank profitability metric

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Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Credit Acceptance Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
40
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
46
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 95% Coverage
Trade-Off Triangle Visualization A ternary plot showing CACC's balance between Growth (18.5%), Profitability (44.6%), and Safety (36.9%). Growth 18% Safety 37% Profitability 45%

Click axes to expand details. Marker shows current allocation.

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Growth

29th percentile vs peers
30
Key Signals
EPS Growth YoY 83.0% 85p NII Growth YoY 5.0% 31p Loan Growth YoY 0.8% 30p Asset Growth YoY -2.5% 10p Equity Growth YoY -12.9% 4p
Strengths
  • EPS Growth YoY in top 20% of peers (83.0%, 85th percentile)
  • Efficiency Ratio in top 20% of peers (34.8%, 92th percentile)
  • ROTE in top 20% of peers (25.9%, 95th percentile)
  • ROA in top 20% of peers (4.9%, 96th percentile)
  • ROE in top 20% of peers (25.9%, 96th percentile)
Risks
  • Asset Growth YoY in bottom 20% of peers (-2.5%)
  • Equity Growth YoY in bottom 20% of peers (-12.9%)

Profitability

72th percentile vs peers
72
Key Signals
Strengths
Risks
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Safety

59th percentile vs peers
60
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Credit Acceptance Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$143.09
- - -
-76.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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