Credit Acceptance Corporation
General ticker "CACC" information:
- Sector: Financials
- Industry: Financial - Credit Services
- Capitalization: $5.5B (TTM average)
Credit Acceptance Corporation follows the US Stock Market performance with the rate: 33.9%.
Estimated limits based on current volatility of 1.9%: low 542.21$, high 563.53$
Factors to consider:
- Total employees count: 2431 (+8.9%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Project execution risks, Market disruptions, Liquidity and credit risks, Technological changes, Geopolitical risks
- Earnings for 3 months up through Q1 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [349.93$, 540.03$]
- 2026-12-31 to 2027-12-31 estimated range: [367.67$, 562.06$]
Financial Metrics affecting the CACC estimates:
- Negative: with PPE of 11.8 at the end of fiscal year the price was high
- Positive: Operating cash flow per share per price, % of 20.85 > 12.90
- Positive: Operating profit margin, % of 47.63 > 18.39
- Positive: 1.81 < Return on assets ratio (scaled to [-100,100]) of 4.68
- Negative: Interest expense per share per price, % of 9.15 > 3.31
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry operating profit margin (median), % of 20.42 > 9.60
- Positive: Industry inventory ratio change (median), % of 0 <= 0
Short-term CACC quotes
Long-term CACC plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $1,879.80MM | $2,134.30MM | $2,317.20MM |
| Operating Expenses | $1,532.50MM | $1,809.20MM | $1,213.50MM |
| Operating Income | $347.30MM | $325.10MM | $1,103.70MM |
| Non-Operating Income | $20.30MM | $4.40MM | $-538.30MM |
| Interest Expense | $0.00MM | $0.00MM | $462.90MM |
| Income(Loss) | $367.60MM | $329.50MM | $565.40MM |
| Taxes | $81.50MM | $81.60MM | $141.50MM |
| Net Income(Loss)* | $286.10MM | $247.90MM | $423.90MM |
| Stockholders Equity | $1,753.70MM | $1,749.60MM | $1,523.60MM |
| Assets | $7,610.20MM | $8,854.60MM | $8,631.70MM |
| Operating Cash Flow | $1,203.80MM | $1,137.90MM | $1,054.60MM |
| Capital expenditure | $4.00MM | $1.80MM | $1.60MM |
| Investing Cash Flow | $-1,416.80MM | $-1,721.10MM | $-674.30MM |
| Financing Cash Flow | $266.20MM | $957.30MM | $-724.60MM |
| Earnings Per Share** | $22.09 | $20.12 | $38.26 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.