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Credit Acceptance Corporation (CACC)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
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Credit Acceptance Corporation Financial Ratios 2025-2008 | CACC
Brief overview of Credit Acceptance Corporation's multiples and efficiency
Ratios are assessed across five available annual reports in the 2021–2025 interval.
Key multiples at the end of the period are P/E 13.12x (median 13.12x), P/B 3.65x (median 3.72x), P/CF 5.27x (median 5.42x). The multiple basket looks neutral against its history, differing from median levels by roughly -1.9%.
The 1/P/E calculation produces a 7.6% earnings yield. It does not capture future growth or capital structure.
Returns on assets and capital are represented by ROE 27.8%, ROA 4.9%, ROCE 11.9%. Profitability forms a strong profile, with capital and assets producing substantial returns.
Price, earnings and growth produce a PEG of 0.76x. A value below one indicates moderate pricing relative to expected growth.
High leverage is part of the financial-sector model, so valuation should be linked to capital, asset quality and ROE.
What the ratios show
Credit Acceptance Corporation's profile looks neutral, with price and fundamental efficiency broadly aligned.
Annual Financial Ratios Credit Acceptance Corporation
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 13123254.4 | 25039732.9 | 22805904.2 | 11804984.8 | 9234199.0 | 15.4 | 13.4 | 14.0 | 15.0 | 12.6 | 12.5 | 13.2 | 12.5 | 11.2 | 11.6 | 8.1 | 4.8 | - | |
P/S |
2.4 | 2.9 | 3.4 | 3.5 | 4.8 | 3.9 | 5.9 | 6.3 | 6.4 | 4.3 | 4.5 | 4.8 | 4.6 | 4.1 | 4.2 | 3.1 | 1.8 | - |
EPS |
37.0 | 20.1 | 22.1 | 39.5 | 59.6 | 23.6 | 34.7 | 29.5 | 24.1 | 16.4 | 14.3 | 12.0 | 10.6 | 8.7 | 7.2 | 5.8 | 4.8 | - |
EV (Enterprise Value) |
12.6 B | 13 B | 12.4 B | 11.6 B | 14.1 B | 11.7 B | 13.7 B | 12.3 B | 10.5 B | 7.23 B | 6.19 B | 5.59 B | 4.83 B | 3.97 B | 3.4 B | 2.24 B | 701 M | -3.15 M |
EBITDA per Share |
0.31 | 0.54 | 0.69 | 0.66 | 0.6 | 0.49 | 46.6 | 39.8 | 30.8 | 26.9 | 23.4 | 20.5 | 17.2 | 14 | 13.8 | 0.15 | 0.17 | - |
EV/EBITDA |
3513.4 | 1935.6 | 1389.7 | 1288.7 | 1448.7 | 1324.3 | 15.0 | 15.3 | 16.9 | 12.4 | 11.9 | 11.5 | 10.8 | 10.4 | 8.7 | 508.4 | 136.5 | - |
PEG |
-2400247.97 | -1495938.01 | -2531054.52 | -2922336.16 | -2945766.61 | -3.32 | 0.76 | 0.63 | 0.32 | 0.9 | 0.62 | 1.04 | 0.55 | 0.54 | 0.49 | - | - | - |
P/B |
3.7 | 3.5 | 3.7 | 3.9 | 4.9 | 2.8 | 3.7 | 4.0 | 4.6 | 3.6 | 4.0 | 5.0 | 4.2 | 4.0 | 4.0 | 2.9 | - | - |
P/CF |
5.3 | 5.5 | 5.4 | 5.1 | 8.3 | 6.6 | 11.2 | 11.9 | 12.7 | 8.4 | 9.3 | 9.7 | 9.8 | 8.2 | 8.1 | 6.8 | 4.4 | - |
ROE % |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 18.28 | 27.86 | 28.83 | 30.62 | 28.35 | 32.29 | 37.91 | 33.74 | 35.33 | 34.83 | 35.85 | 29.36 | - |
ROA % |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 5.62 | 8.84 | 9.20 | 9.43 | 7.89 | 8.84 | 9.56 | 10.40 | 10.30 | 10.69 | 12.66 | - | - |
ROCE % |
- | - | - | - | - | - | 11.89 | 12.85 | 12.21 | 13.11 | 14.81 | 17.37 | 18.16 | 17.35 | 21.85 | - | - | - |
Current Ratio |
1.2 | 1.2 | 1.3 | 1.3 | 1.3 | 1.4 | 35.5 | 17.1 | 24.0 | 24.9 | 18.0 | 11.5 | 9.9 | 13.4 | 0.8 | 1.5 | - | - |
DSO |
- | - | - | - | - | - | 1655.0 | 1638.3 | 1519.8 | 1464.6 | 1376.1 | 1268.4 | 1184.7 | 1159.1 | - | - | - | - |
DPO |
387.6 | 374.6 | 377.5 | 303.6 | 302.7 | 384.7 | 193.4 | 209.7 | 212.7 | 234.3 | 242.4 | 266.1 | 272.7 | 265.2 | - | 224.2 | - | - |
Operating Cycle |
- | - | - | - | - | - | 1655.0 | 1638.3 | 1519.8 | 1464.6 | 1376.1 | 1268.4 | 1184.7 | 1159.1 | - | - | - | - |
Cash Conversion Cycle |
- | - | - | - | - | - | 1461.6 | 1428.5 | 1307.1 | 1230.3 | 1133.7 | 1002.3 | 912.0 | 893.9 | - | - | - | - |
Annual performance
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All numbers in USD currency
Quarterly Financial Ratios Credit Acceptance Corporation
| 2026-Q3 | 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
-5.43 | 12.97 | 12.64 | 11.070000000000004 | 9.62 | 7.55 | 8.79 | 12.34 | 6.42 | -3.83 | 5.15 | 7.300000000000001 | 5.47 | 1.7 | 7.62 | 9.600000000000001 | 6.53 | 7.99 | 15.02 | 14.799999999999997 | 15.83 | 17.19 | 11.85 | 9.47 | 13.57 | 5.4 | -4.61 | 8.63 | 8.73 | 8.68 | 8.67 | 7.82 | 7.76 | 7.76 | 6.18 | 9.13 | 5.19 | 5.09 | 4.73 | 4.35 | 4.22 | 4.17 | 3.64 | 3.86 | 3.53 | 3.54 | 3.42 | 3.46 | 3.38 | 3.06 | 2.12 | 2.81 | 2.75 | 2.57 | 2.49 | 2.42 | 2.13 | 2.18 | 1.92 | 1.92 | 1.92 | 1.73 | 1.59 |
EBITDA per Share |
- | 0.07 | 0.07 | -3.82 | 0.07 | 0.08 | 0.1 | -53.4 | 0.11 | 0.16 | 0.18 | -38.4 | 0.17 | 0.17 | 0.17 | -22.4 | 0.17 | 0.17 | 0.16 | -5.46 | 0.15 | 0.14 | 0.14 | -24.2 | 0.13 | 0.12 | 0.1 | -41.8 | 0.1 | 0.1 | 0.08 | -145 | 0.07 | 0.07 | 0.07 | -42.7 | 0.08 | 0.08 | 0.08 | -21.1 | 0.07 | 0.08 | 0.08 | -29.7 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.05 | 0.06 | 0.06 | 0.06 | 0.05 | 0.06 | 0.06 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.08 | 0.04 |
ROE % |
21.46 | 32.38 | 29.45 | 26.70 | 27.37 | 25.30 | 16.65 | 14.33 | 10.99 | 10.36 | 14.66 | 16.54 | 19.05 | 20.34 | 26.14 | 33.52 | 37.61 | 44.95 | 49.94 | 45.31 | 40.61 | 38.30 | 30.91 | 18.12 | 17.77 | 14.22 | 16.97 | 29.26 | 30.02 | 30.77 | 31.69 | 30.91 | 34.82 | 34.57 | 34.17 | 34.94 | 30.87 | 30.79 | 30.72 | 30.21 | 31.37 | 31.95 | 32.76 | 34.45 | 36.23 | 38.17 | 39.80 | 37.56 | 35.95 | 35.50 | 34.59 | 37.33 | 38.18 | 37.59 | 38.66 | 37.74 | 37.37 | 38.65 | 38.32 | 37.53 | 10.14 | 10.14 | 8.00 |
ROA % |
3.91 | 5.80 | 5.23 | 4.82 | 5.12 | 4.77 | 3.20 | 2.85 | 2.36 | 2.41 | 3.29 | 3.89 | 4.50 | 4.80 | 6.03 | 7.69 | 8.93 | 11.14 | 13.30 | 12.88 | 12.01 | 11.80 | 9.42 | 5.64 | 5.60 | 4.68 | 5.75 | 9.34 | 9.59 | 9.67 | 9.86 | 9.59 | 10.71 | 10.38 | 9.90 | 9.78 | 8.31 | 8.32 | 8.33 | 8.29 | 8.59 | 8.68 | 8.94 | 9.22 | 9.47 | 9.99 | 10.27 | 9.92 | 10.00 | 10.01 | 10.03 | 10.79 | 10.89 | 10.67 | 10.84 | 10.72 | 10.76 | 11.23 | 11.24 | 11.12 | 2.99 | 2.83 | 2.46 |
Current Ratio |
1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.5 | 1.5 | 1.5 | 1.4 | 1.5 | 1.5 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.3 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.3 | 1.3 | 1.4 | 1.3 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 |
DPO |
- | - | 206.1 | 230.2 | - | - | 162.6 | 185.7 | - | - | 185.3 | 220.1 | - | - | 154.1 | 182.2 | - | - | 124.0 | 118.8 | - | - | 172.8 | 184.8 | - | - | 209.3 | 190.6 | - | 185.2 | 354.5 | 363.3 | 377.9 | 392.4 | 344.2 | 349.0 | 380.3 | 393.0 | 366.5 | 404.9 | 388.9 | 415.6 | 362.4 | 397.8 | 408.7 | 419.3 | 366.6 | 365.3 | 459.4 | 414.2 | 401.4 | 459.7 | 504.4 | 429.6 | 439.6 | 449.5 | 606.2 | 665.4 | 477.7 | 546.6 | 536.5 | 569.1 | - |
Quarterly performance
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All numbers in USD currency
Multiples are an important financial analysis tool for the company Credit Acceptance Corporation, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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