Credit Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Credit Acceptance
CACC Stock  USD 480.52  1.01  0.21%   
Credit Acceptance financial statements provide useful quarterly and yearly information to potential Credit Acceptance investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Credit Acceptance financial statements helps investors assess Credit Acceptance's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Credit Acceptance's valuation are summarized below:
Gross Profit
854.7 M
Profit Margin
0.2671
Market Capitalization
5.8 B
Enterprise Value Revenue
5.579
Revenue
928.2 M
We have found one hundred twenty available fundamental signals for Credit Acceptance, which can be analyzed and compared to other ratios and to its rivals. Investors should ensure to validate all of Credit Acceptance's prevailing performance against the performance from 2010 to 2025 to make sure the company is sustainable down the road. The current year's Market Cap is expected to grow to about 6.1 B. The current year's Enterprise Value is expected to grow to about 11.9 B

Credit Acceptance Total Revenue

2.27 Billion

Check Credit Acceptance financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Credit Acceptance's main balance sheet or income statement drivers, such as Depreciation And Amortization of 26.4 M, Interest Expense of 319.4 M or Selling General Administrative of 102.8 M, as well as many indicators such as Price To Sales Ratio of 2.54, Dividend Yield of 0.0 or PTB Ratio of 3.93. Credit financial statements analysis is a perfect complement when working with Credit Acceptance Valuation or Volatility modules.
  
Check out the analysis of Credit Acceptance Correlation against competitors.
For information on how to trade Credit Stock refer to our How to Trade Credit Stock guide.

Credit Acceptance Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets9.3 B8.9 B5.2 B
Slightly volatile
Total Stockholder Equity1.8 B1.7 B1.4 B
Slightly volatile
Property Plant And Equipment Net26 M14.7 M31.1 M
Slightly volatile
Retained Earnings720.2 M1.4 B1.2 B
Slightly volatile
Non Current Assets Total14 M14.7 M529.2 M
Slightly volatile
Other Assets32.7 M34.4 M153.5 M
Slightly volatile
Cash And Short Term Investments999 M951.4 M142.9 M
Slightly volatile
Common Stock Shares Outstanding11.8 M12.5 M19.9 M
Slightly volatile
Short Term Investments111.7 M106.4 M52.8 M
Slightly volatile
Liabilities And Stockholders Equity9.3 B8.9 B5.2 B
Slightly volatile
Total Liabilities7.5 B7.1 B3.8 B
Slightly volatile
Property Plant And Equipment Gross33.8 M66.6 M46.3 M
Slightly volatile
Total Current Assets9.2 B8.8 B4.6 B
Slightly volatile
Short and Long Term Debt Total6.7 B6.4 B3.5 B
Slightly volatile
Non Current Liabilities Total7.3 B7 B3.7 B
Slightly volatile
Total Current Liabilities153.3 M117.2 M168.2 M
Slightly volatile
Accounts Payable331.6 M315.8 M179.2 M
Slightly volatile
Cash887.2 M845 M128.7 M
Slightly volatile
Net Receivables8.2 B7.9 B4.3 B
Slightly volatile
Common Stock Total Equity85.5 K90 K186.8 K
Slightly volatile
Short Term Debt81 M85.2 M198.8 M
Pretty Stable
Common Stock85.5 K90 K186.8 K
Slightly volatile
Other Liabilities515.2 M490.7 M262.5 M
Slightly volatile
Long Term Debt6.7 B6.4 B3.3 B
Slightly volatile
Property Plant Equipment34.6 M59.1 M38.5 M
Slightly volatile
Inventory1.1 B1.1 B539.6 M
Slightly volatile
Net Tangible Assets1.5 B1.9 B1.4 B
Slightly volatile
Retained Earnings Total Equity1.4 B1.6 B1.2 B
Slightly volatile
Long Term Debt Total3.1 B5.2 B3 B
Slightly volatile
Capital Surpluse296.7 M282.6 M150.2 M
Slightly volatile
Deferred Long Term Liabilities515.2 M490.7 M251.9 M
Slightly volatile
Long Term Investments4.7 B7.2 B4.5 B
Slightly volatile
Non Current Liabilities Other684 K720 K75.6 M
Slightly volatile
Short and Long Term Debt2.2 M2.3 M858 M
Slightly volatile
Net Invested Capital7.1 B8.1 B5.7 B
Slightly volatile
Net Working Capital6.9 B8.3 B5.3 B
Slightly volatile
Capital Stock114.3 K90 K169 K
Slightly volatile

Credit Acceptance Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization26.4 M27.8 M917.6 M
Pretty Stable
Selling General Administrative102.8 M97.9 M58.7 M
Slightly volatile
Selling And Marketing Expenses99.1 M94.4 M57.1 M
Slightly volatile
Total Revenue2.3 B2.2 B1.2 B
Slightly volatile
Gross Profit1.4 B1.4 B847.3 M
Slightly volatile
Operating Income871.8 M830.3 M575.7 M
Slightly volatile
EBITDA335.3 M352.9 M1.3 B
Pretty Stable
Income Before Tax306.3 M329.5 M512.2 M
Slightly volatile
Net Income218.5 M247.9 M371 M
Slightly volatile
Income Tax Expense87.6 M81.6 M141.2 M
Pretty Stable
Other Operating Expenses2.2 B2.1 B729.6 M
Slightly volatile
Cost Of Revenue842.3 M802.2 M365.7 M
Slightly volatile
Net Income Applicable To Common Shares647 M616.2 M437.3 M
Slightly volatile
Net Income From Continuing Ops451.2 M247.9 M398.9 M
Slightly volatile
Non Recurring108.8 M174.8 M112.7 M
Slightly volatile
Tax Provision132.1 M81.6 M166 M
Pretty Stable
Interest Income24.9 M26.2 M69.2 M
Slightly volatile
Reconciled Depreciation25.9 M27.8 M20.5 M
Slightly volatile

Credit Acceptance Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow1.1 B1.1 B19.4 B
Slightly volatile
Depreciation26.4 M27.8 M780.1 M
Slightly volatile
Capital Expenditures1.7 M1.8 M557.1 M
Slightly volatile
Total Cash From Operating Activities1.1 B1.1 B20 B
Slightly volatile
Net Income235.5 M247.9 M14.1 B
Slightly volatile
Begin Period Cash Flow264.4 M470.9 M490.1 M
Pretty Stable
Change To Netincome616.4 M587.1 M234.8 M
Slightly volatile
Stock Based Compensation42.8 M45 M779.6 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.542.67545.0993
Slightly volatile
PTB Ratio3.933.30664.0781
Pretty Stable
Days Sales Outstanding6971.3 K1.2 K
Very volatile
Book Value Per Share14914281.7494
Slightly volatile
Free Cash Flow Yield0.10.19640.12
Slightly volatile
Operating Cash Flow Per Share96.9592.337643.797
Slightly volatile
Stock Based Compensation To Revenue0.01120.02080.0134
Slightly volatile
Capex To Depreciation0.06150.06470.5177
Slightly volatile
PB Ratio3.933.30664.0781
Pretty Stable
EV To Sales7.895.22257.7992
Pretty Stable
Free Cash Flow Per Share96.892.191543.3966
Slightly volatile
ROIC0.07080.07450.1756
Slightly volatile
Inventory Turnover0.450.480.6227
Very volatile
Net Income Per Share21.1220.116421.4775
Slightly volatile
Days Of Inventory On Hand560795739
Very volatile
Payables Turnover1.342.54021.8109
Slightly volatile
Sales General And Administrative To Revenue0.0430.04530.0646
Slightly volatile
Capex To Revenue8.0E-48.0E-40.0083
Slightly volatile
Cash Per Share81.0677.203613.067
Slightly volatile
POCF Ratio4.835.08428.645
Slightly volatile
Interest Coverage4.026.765.6359
Pretty Stable
Capex To Operating Cash Flow0.00150.00160.0145
Slightly volatile
PFCF Ratio4.845.09228.7909
Slightly volatile
Days Payables Outstanding266144217
Slightly volatile
Income Quality3.214.59021.9627
Slightly volatile
ROE0.180.14170.289
Slightly volatile
EV To Operating Cash Flow14.619.924613.3045
Slightly volatile
PE Ratio25.0623.337115.5258
Slightly volatile
Return On Tangible Assets0.05440.0280.0811
Slightly volatile
EV To Free Cash Flow15.919.940313.594
Pretty Stable
Earnings Yield0.05380.04290.0708
Slightly volatile
Net Debt To EBITDA16.3915.60756.182
Slightly volatile
Current Ratio11.7420.327322.4739
Pretty Stable
Tangible Book Value Per Share14914284.0387
Slightly volatile
Receivables Turnover0.260.275528.3657
Slightly volatile
Graham Number266253194
Slightly volatile
Shareholders Equity Per Share14914281.5994
Slightly volatile
Debt To Equity3.813.63112.2684
Slightly volatile
Capex Per Share0.20.14610.4036
Pretty Stable
Revenue Per Share18417573.2036
Slightly volatile
Interest Debt Per Share541516215
Slightly volatile
Debt To Assets0.750.71750.5949
Slightly volatile
Enterprise Value Over EBITDA20.2432.001115.3945
Slightly volatile
Short Term Coverage Ratios389370131
Slightly volatile
Price Earnings Ratio25.0623.337115.5258
Slightly volatile
Operating Cycle8131.3 K1.5 K
Pretty Stable
Price Book Value Ratio3.933.30664.0781
Pretty Stable
Days Of Payables Outstanding266144217
Slightly volatile
Price To Operating Cash Flows Ratio4.835.08428.645
Slightly volatile
Price To Free Cash Flows Ratio4.845.09228.7909
Slightly volatile
Pretax Profit Margin0.140.15240.5062
Slightly volatile
Ebt Per Ebit0.730.39680.9093
Pretty Stable
Operating Profit Margin0.550.3840.5764
Slightly volatile
Effective Tax Rate0.340.24760.2889
Slightly volatile
Company Equity Multiplier2.75.06093.5739
Slightly volatile
Long Term Debt To Capitalization0.420.670.619
Slightly volatile
Total Debt To Capitalization0.440.78410.6382
Slightly volatile
Return On Capital Employed0.0960.09860.1303
Slightly volatile
Debt Equity Ratio3.813.63112.2684
Slightly volatile
Ebit Per Revenue0.550.3840.5764
Slightly volatile
Quick Ratio11.0920.327321.0282
Pretty Stable
Dividend Paid And Capex Coverage Ratio664632177
Slightly volatile
Net Income Per E B T0.550.75240.7042
Pretty Stable
Cash Ratio2.051.95150.3577
Slightly volatile
Operating Cash Flow Sales Ratio0.420.52620.589
Pretty Stable
Days Of Inventory Outstanding560795739
Very volatile
Days Of Sales Outstanding6971.3 K1.2 K
Very volatile
Free Cash Flow Operating Cash Flow Ratio0.760.99840.9706
Slightly volatile
Cash Flow Coverage Ratios0.170.17910.4271
Slightly volatile
Price To Book Ratio3.933.30664.0781
Pretty Stable
Fixed Asset Turnover15414747.4737
Slightly volatile
Capital Expenditure Coverage Ratio664632177
Slightly volatile
Price Cash Flow Ratio4.835.08428.645
Slightly volatile
Enterprise Value Multiple20.2432.001115.3945
Slightly volatile
Debt Ratio0.750.71750.5949
Slightly volatile
Cash Flow To Debt Ratio0.170.17910.4271
Slightly volatile
Price Sales Ratio2.542.67545.0993
Slightly volatile
Return On Assets0.05470.0280.0818
Slightly volatile
Asset Turnover0.180.24420.2235
Pretty Stable
Net Profit Margin0.110.11460.3589
Slightly volatile
Gross Profit Margin0.760.6290.706
Pretty Stable
Price Fair Value3.933.30664.0781
Pretty Stable
Return On Equity0.180.14170.289
Slightly volatile

Credit Acceptance Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap6.1 B5.8 B5.3 B
Slightly volatile
Enterprise Value11.9 B11.3 B8.6 B
Slightly volatile

Credit Fundamental Market Drivers

Forward Price Earnings13.1062
Cash And Short Term Investments951.4 M

Credit Upcoming Events

31st of January 2024
Upcoming Quarterly Report
View
6th of May 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
31st of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About Credit Acceptance Financial Statements

Credit Acceptance stakeholders use historical fundamental indicators, such as Credit Acceptance's revenue or net income, to determine how well the company is positioned to perform in the future. Although Credit Acceptance investors may analyze each financial statement separately, they are all interrelated. For example, changes in Credit Acceptance's assets and liabilities are reflected in the revenues and expenses on Credit Acceptance's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Credit Acceptance. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Current Deferred Revenue77.7 M93.3 M
Total Revenue2.2 B2.3 B
Cost Of Revenue802.2 M842.3 M
Stock Based Compensation To Revenue 0.02  0.01 
Sales General And Administrative To Revenue 0.05  0.04 
Revenue Per Share 175.47  184.25 
Ebit Per Revenue 0.38  0.55 

Also Currently Popular

Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.
CRMSalesforce
CCitigroup
GMGeneral Motors
When determining whether Credit Acceptance offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Credit Acceptance's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Credit Acceptance Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Credit Acceptance Stock:
How To Invest In Credit
Details
Is Credit Stock a good investment?
Details
What is Credit Acceptance's Net Worth?
Details
Largest Consumer Finance Companies
View
Largest Financial Services Companies
View
Check out the analysis of Credit Acceptance Correlation against competitors.
For information on how to trade Credit Stock refer to our How to Trade Credit Stock guide.
You can also try the Top Crypto Exchanges module to search and analyze digital assets across top global cryptocurrency exchanges.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Credit Acceptance. If investors know Credit will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Credit Acceptance listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.682
Earnings Share
19.9
Revenue Per Share
75.321
Quarterly Revenue Growth
0.33
Return On Assets
0.0301
The market value of Credit Acceptance is measured differently than its book value, which is the value of Credit that is recorded on the company's balance sheet. Investors also form their own opinion of Credit Acceptance's value that differs from its market value or its book value, called intrinsic value, which is Credit Acceptance's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Credit Acceptance's market value can be influenced by many factors that don't directly affect Credit Acceptance's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Altman
Z Score
Details
Piotroski
F Score
Details
Beneish
M Score
Details
Financial
Analysis
Details
Buy or Sell
Advice
Details
Earnings
Projections
Details
Please note, there is a significant difference between Credit Acceptance's value and its price as these two are different measures arrived at by different means. Investors typically determine if Credit Acceptance is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Credit Acceptance's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions
 
Feedback Blog
Made with optimal in San Francisco
2024 Macroaxis LLC
COMMON DESTINATIONS
MAIN CATEGORIES
COMPANY