Credit Acceptance Corporation (CACC) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↓
10.50
↓-47% vs avg
5yr avg: 19.89
30Y Low7.2·High32.2
P/FCF
↓
5.74
-8% vs avg
5yr avg: 6.27
30Y Low2.8·High16.4
P/B Ratio
↓
4.30
+4% vs avg
5yr avg: 4.13
30Y Low0.6·High6.1
ROE
↓
25.9%
-4% vs avg
5yr avg: 26.9%
30Y Low-5%·High46%
Debt/EBITDA
↑
5.61
↓-40% vs avg
5yr avg: 9.41
30Y Low1.6·High18.0
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CACC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Credit Acceptance Corporation trades at 15.4x earnings, 7% below its 5-year average of 16.7x, sitting at the 75th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 14%. On a free-cash-flow basis, the stock trades at 5.7x P/FCF, 8% below the 5-year average of 6.3x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $6.0B | $5.0B | $5.9B | $6.9B | $6.5B | $11.1B | $6.2B | $8.4B | $7.5B | $6.3B | $4.4B |
| Enterprise Value | $11.9B | $10.9B | $11.4B | $11.5B | $10.6B | $15.7B | $10.9B | $12.7B | $11.3B | $9.4B | $7.0B |
| P/E Ratio → | 15.44 | 11.81 | 23.61 | 24.23 | 12.07 | 11.55 | 14.75 | 12.80 | 12.99 | 13.46 | 13.34 |
| P/S Ratio | 2.61 | 2.16 | 2.74 | 3.69 | 3.55 | 5.98 | 3.73 | 5.67 | 5.83 | 5.71 | 4.60 |
| P/B Ratio | 4.30 | 3.29 | 3.35 | 3.95 | 3.98 | 6.07 | 2.70 | 1.32 | 1.36 | 1.46 | 1.26 |
| P/FCF | 5.74 | 4.75 | 5.15 | 5.78 | 5.23 | 10.43 | 6.36 | 10.69 | 10.99 | 11.35 | 8.85 |
| P/OCF | 5.73 | 4.75 | 5.14 | 5.76 | 5.22 | 10.35 | 6.30 | 10.33 | 10.59 | 11.18 | 8.75 |
P/E links to full P/E history page with 30-year chart
CACC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Credit Acceptance Corporation's enterprise value stands at 10.5x EBITDA, 47% below its 5-year average of 19.9x. The Financial Services sector median is 11.4x, placing the stock at a 8% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.69 | 5.32 | 6.13 | 5.83 | 8.46 | 6.54 | 8.62 | 8.79 | 8.48 | 7.28 |
| EV / EBITDA | 10.50 | 9.59 | 32.19 | 30.83 | 14.61 | 12.22 | 18.90 | 14.64 | 14.64 | 15.72 | 12.96 |
| EV / EBIT | 10.78 | 10.56 | 34.95 | 33.19 | 15.15 | 12.48 | 19.71 | 15.03 | 15.02 | 16.16 | 13.33 |
| EV / FCF | — | 10.31 | 10.00 | 9.61 | 8.61 | 14.76 | 11.16 | 16.23 | 16.58 | 16.84 | 14.01 |
CACC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Credit Acceptance Corporation earns an operating margin of 47.6%, significantly above the Financial Services sector average of 20.3%. Operating margins have expanded from 18.5% to 47.6% over the past 3 years, signaling improving operational efficiency. ROE of 25.9% indicates solid capital efficiency, compared to the sector median of 9.0%. ROIC of 10.4% represents solid returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 98.7% | 98.7% | 62.4% | 67.2% | 73.9% | 77.2% | 75.0% | 71.6% | 72.6% | 74.4% | 74.1% |
| Operating Margin | 47.6% | 47.6% | 15.2% | 18.5% | 38.5% | 67.8% | — | 57.3% | 58.5% | 52.5% | 54.6% |
| Net Profit Margin | 18.3% | 18.3% | 11.6% | 15.2% | 29.4% | 51.8% | 25.3% | 44.3% | 44.8% | 42.5% | 34.5% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 25.9% | 25.9% | 14.2% | 16.9% | 31.1% | 46.4% | 9.7% | 11.1% | 11.7% | 11.9% | 14.9% |
| ROA | 4.4% | 4.4% | 2.7% | 3.6% | 7.3% | 13.2% | 5.6% | 9.6% | 10.2% | 10.2% | 8.7% |
| ROIC | 10.4% | 10.4% | 3.3% | 4.0% | 8.3% | 14.0% | — | 6.3% | 6.7% | 6.4% | 8.6% |
| ROCE | 14.7% | 14.7% | 3.6% | 4.3% | 9.6% | 17.7% | — | 12.8% | 13.8% | 13.1% | 14.4% |
CACC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Credit Acceptance Corporation carries a Debt/EBITDA ratio of 5.6x, which is highly leveraged (32% above the sector average of 4.3x). Net debt stands at $5.9B ($6.4B total debt minus $501M cash). Interest coverage of just 2.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 4.17 | 4.17 | 3.63 | 2.89 | 2.83 | 2.53 | 2.04 | 0.71 | 0.70 | 0.71 | 0.74 |
| Debt / EBITDA | 5.61 | 5.61 | 18.00 | 13.55 | 6.31 | 3.60 | 8.16 | 5.21 | 4.97 | 5.14 | 4.80 |
| Net Debt / Equity | — | 3.84 | 3.15 | 2.62 | 2.57 | 2.52 | 2.04 | 0.68 | 0.69 | 0.71 | 0.73 |
| Net Debt / EBITDA | 5.17 | 5.17 | 15.61 | 12.29 | 5.73 | 3.58 | 8.13 | 5.00 | 4.94 | 5.13 | 4.77 |
| Debt / FCF | — | 5.56 | 4.85 | 3.83 | 3.38 | 4.33 | 4.80 | 5.54 | 5.59 | 5.49 | 5.16 |
| Interest Coverage | 2.22 | 2.22 | — | — | — | — | — | 4.32 | 4.78 | 4.83 | 5.40 |
CACC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.26x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.26 | 0.26 | — | — | — | 39.28 | 39.23 | 35.47 | 32.61 | 25.74 | 24.92 |
| Quick Ratio | 0.26 | 0.26 | — | — | — | 39.28 | 39.23 | 35.47 | 32.61 | 25.74 | 24.92 |
| Cash Ratio | 0.23 | 0.23 | — | — | — | 0.13 | 0.09 | 0.91 | 0.14 | 0.04 | 0.09 |
| Asset Turnover | — | 0.24 | 0.22 | 0.22 | 0.24 | 0.26 | 0.22 | 0.20 | 0.21 | 0.22 | 0.23 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
CACC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Credit Acceptance Corporation does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business. The earnings yield of 6.5% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.5% | 8.5% | 4.2% | 4.1% | 8.3% | 8.7% | 6.8% | 7.8% | 7.7% | 7.4% | 7.5% |
| FCF Yield | 17.4% | 21.0% | 19.4% | 17.3% | 19.1% | 9.6% | 15.7% | 9.4% | 9.1% | 8.8% | 11.3% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $11M | $12M | $13M | $14M | $16M | $18M | $19M | $20M | $20M | $20M |
Peer Comparison
Compare CACC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CACCYou | $6B | 15.4 | 10.5 | 5.7 | 98.7% | 47.6% | 25.9% | 10.4% | 5.6 |
 ALLY | $14B | 19.2 | 10.6 | — | 52.0% | 8.6% | 5.8% | 2.2% | 8.9 |
 DT | $12B | 76.7 | 38.7 | 22.9 | 81.6% | 13.1% | 6.2% | 11.8% | 0.6 |
 WRLD | $897M | 10.9 | 8.4 | 3.6 | 70.0% | 28.1% | 20.8% | 12.1% | 3.1 |
 COF | $125B | 50.0 | 15.7 | 4.8 | 47.3% | 3.3% | 2.8% | 1.3% | 6.8 |
 SYF | $26B | 8.1 | 5.1 | 2.7 | 51.0% | 24.2% | 21.3% | 10.8% | 3.0 |
 OMF | $7B | 8.9 | 22.2 | 2.2 | 47.6% | 16.0% | 23.8% | 3.0% | 17.6 |
 ENVA | $5B | 17.5 | 12.2 | 2.9 | 50.1% | 23.5% | 24.3% | 10.4% | 5.8 |
 PRAA | $570M | -1.9 | 1.2 | — | 99.2% | 33.9% | -27.3% | 11.2% | 0.1 |
 ECPG | $2B | 7.6 | 8.8 | 14.0 | 69.0% | 35.4% | 29.5% | 9.8% | 6.3 |
 KMX | $8B | 31.9 | — | 6.1 | 10.8% | -1.6% | 4.1% | -1.3% | — |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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CACC — Frequently Asked Questions
Quick answers to the most common questions about buying CACC stock.
What is Credit Acceptance Corporation's P/E ratio?
Credit Acceptance Corporation's current P/E ratio is 15.4x. The historical average is 14.2x. This places it at the 75th percentile of its historical range.
What is Credit Acceptance Corporation's EV/EBITDA?
Credit Acceptance Corporation's current EV/EBITDA is 10.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 13.8x.
What is Credit Acceptance Corporation's ROE?
Credit Acceptance Corporation's return on equity (ROE) is 25.9%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 20.4%.
Is CACC stock overvalued?
Based on historical data, Credit Acceptance Corporation is trading at a P/E of 15.4x. This is at the 75th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Credit Acceptance Corporation's profit margins?
Credit Acceptance Corporation has 98.7% gross margin and 47.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Credit Acceptance Corporation have?
Credit Acceptance Corporation's Debt/EBITDA ratio is 5.6x, indicating high leverage. A ratio above 4x may signal elevated financial risk.