Credit Acceptance Stock Analysis
CACC Stock | USD 495.49 2.21 0.44% |
Credit Acceptance is overvalued with Real Value of 431.08 and Target Price of 436.5. The main objective of Credit Acceptance stock analysis is to determine its intrinsic value, which is an estimate of what Credit Acceptance is worth, separate from its market price. There are two main types of Credit Acceptance's stock analysis: fundamental analysis and technical analysis.
The Credit Acceptance stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Credit Acceptance's ongoing operational relationships across important fundamental and technical indicators.
Credit |
Credit Stock Analysis Notes
About 39.0% of the company shares are held by company insiders. The book value of Credit Acceptance was currently reported as 145.22. The company has Price/Earnings To Growth (PEG) ratio of 1.15. Credit Acceptance recorded earning per share (EPS) of 19.86. The entity had not issued any dividends in recent years. The firm had 2:1 split on the 21st of December 1994. Credit Acceptance Corporation provides financing programs, and related products and services to independent and franchised automobile dealers in the United States. The company was founded in 1972 and is headquartered in Southfield, Michigan. Credit Acceptance operates under Credit Services classification in the United States and is traded on NASDAQ Exchange. It employs 2073 people. For more info on Credit Acceptance please contact the company at 248 353 2700 or go to https://www.creditacceptance.com.Credit Acceptance Quarterly Total Revenue |
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Credit Acceptance Investment Alerts
Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Credit Acceptance's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Credit Acceptance or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
About 66.0% of the company shares are held by institutions such as insurance companies | |
Latest headline from gurufocus.com: Credit Acceptance Corp Celebrates Fifth Consecutive Top Workplaces USA Award |
Credit Acceptance Upcoming and Recent Events
Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Credit Acceptance previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
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 |
Credit Largest EPS Surprises
Earnings surprises can significantly impact Credit Acceptance's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
---|---|---|---|---|---|---|---|
1994-04-20 | 1994-03-31 | 0.09 | 0.1 | 0.01 | 11 | ||
1994-01-25 | 1993-12-31 | 0.08 | 0.09 | 0.01 | 12 | ||
1993-07-20 | 1993-06-30 | 0.06 | 0.07 | 0.01 | 16 |
Credit Acceptance Environmental, Social, and Governance (ESG) Scores
Credit Acceptance's ESG score is a quantitative measure that evaluates Credit Acceptance's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Credit Acceptance's operations that may have significant financial implications and affect Credit Acceptance's stock price as well as guide investors towards more socially responsible investments.
Credit Stock Institutional Investors
Shares | Abrams Bison Investments, Llc | 2024-12-31 | 175 K | Alfreton Capital Llp | 2024-12-31 | 170 K | Rv Capital Gmbh | 2024-12-31 | 131.6 K | Goodnow Investment Group Llc | 2024-12-31 | 126.8 K | Mig Capital, Llc | 2024-12-31 | 126.5 K | State Street Corp | 2024-12-31 | 112.4 K | Geode Capital Management, Llc | 2024-12-31 | 111.4 K | London Company Of Virginia | 2024-12-31 | 102.6 K | Charles Schwab Investment Management Inc | 2024-12-31 | 95.9 K | Prescott General Partners Llc | 2024-12-31 | 1.6 M | Prescott Investors Inc | 2024-12-31 | 1.6 M |
Credit Market Capitalization
The company currently falls under 'Mid-Cap' category with a current market capitalization of 5.96 B.Credit Profitablity
The company has Profit Margin (PM) of 0.27 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.58 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.58.Last Reported | Projected for Next Year | ||
Return On Tangible Assets | 0.03 | 0.05 | |
Return On Capital Employed | 0.10 | 0.10 | |
Return On Assets | 0.03 | 0.05 | |
Return On Equity | 0.14 | 0.18 |
Management Efficiency
Credit Acceptance has return on total asset (ROA) of 0.0301 % which means that it generated a profit of $0.0301 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1415 %, meaning that it created $0.1415 on every $100 dollars invested by stockholders. Credit Acceptance's management efficiency ratios could be used to measure how well Credit Acceptance manages its routine affairs as well as how well it operates its assets and liabilities. The current year's Return On Tangible Assets is expected to grow to 0.05. The current year's Return On Capital Employed is expected to grow to 0.1. At present, Credit Acceptance's Non Currrent Assets Other are projected to increase significantly based on the last few years of reporting. The current year's Total Current Assets is expected to grow to about 9.2 B, whereas Non Current Assets Total are forecasted to decline to about 14 M.Last Reported | Projected for Next Year | ||
Book Value Per Share | 141.98 | 149.07 | |
Tangible Book Value Per Share | 141.98 | 149.07 | |
Enterprise Value Over EBITDA | 32.00 | 20.24 | |
Price Book Value Ratio | 3.31 | 3.93 | |
Enterprise Value Multiple | 32.00 | 20.24 | |
Price Fair Value | 3.31 | 3.93 | |
Enterprise Value | 11.3 B | 11.9 B |
Credit Acceptance showcases strong leadership that adapts to market changes and drives innovation. Our analysis explores how this adaptability affects the stock's investment appeal.
Technical Drivers
As of the 23rd of March, Credit Acceptance shows the risk adjusted performance of 0.0279, and Mean Deviation of 1.53. Credit Acceptance technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.Credit Acceptance Price Movement Analysis
The output start index for this execution was twenty-three with a total number of output elements of thirty-eight. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Credit Acceptance middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Credit Acceptance. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.
Credit Acceptance Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Credit Acceptance insiders, such as employees or executives, is commonly permitted as long as it does not rely on Credit Acceptance's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Credit Acceptance insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Credit Acceptance Outstanding Bonds
Credit Acceptance issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Credit Acceptance uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Credit bonds can be classified according to their maturity, which is the date when Credit Acceptance has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
Dana 575 percent Corp BondUS235822AB96 | View | |
CREDIT ACCEP P Corp BondUS225310AM36 | View | |
ACAFP 5301 12 JUL 28 Corp BondUS22534PAC77 | View | |
ACAFP 1907 16 JUN 26 Corp BondUS22535WAG24 | View | |
ACAFP 1247 26 JAN 27 Corp BondUS22535WAH07 | View | |
ACAFP 4125 10 JAN 27 Corp BondUS22535WAB37 | View | |
ACAFP 8125 Corp BondUS225313AJ46 | View | |
ACAFP 4 10 JAN 33 Corp BondUS225313AK19 | View |
Credit Acceptance Predictive Daily Indicators
Credit Acceptance intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Credit Acceptance stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Credit Acceptance Corporate Filings
7th of March 2025 Other Reports | ViewVerify | |
8K | 28th of February 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
14th of February 2025 Other Reports | ViewVerify | |
8K | 13th of February 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
10K | 12th of February 2025 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance | ViewVerify |
8K | 30th of January 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 27th of January 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 16th of January 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
Credit Acceptance Forecast Models
Credit Acceptance's time-series forecasting models are one of many Credit Acceptance's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Credit Acceptance's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.About Credit Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how Credit Acceptance prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Credit shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Credit Acceptance. By using and applying Credit Stock analysis, traders can create a robust methodology for identifying Credit entry and exit points for their positions.
Last Reported | Projected for Next Year | ||
Pretax Profit Margin | 0.15 | 0.14 | |
Operating Profit Margin | 0.38 | 0.55 | |
Net Profit Margin | 0.11 | 0.11 | |
Gross Profit Margin | 0.63 | 0.76 |
Current Credit Analysis - Recommendations
We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Credit analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Credit analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target Price | Advice | # of Analysts | |
436.5 | Hold | 4 | Odds |
Most Credit analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Credit stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Credit Acceptance, talking to its executives and customers, or listening to Credit conference calls.
Credit Stock Analysis Indicators
Credit Acceptance stock analysis indicators help investors evaluate how Credit Acceptance stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Credit Acceptance shares will generate the highest return on investment. By understating and applying Credit Acceptance stock analysis, traders can identify Credit Acceptance position entry and exit signals to maximize returns.
Begin Period Cash Flow | 470.9 M | |
Long Term Debt | 6.4 B | |
Common Stock Shares Outstanding | 12.5 M | |
Total Stockholder Equity | 1.7 B | |
Tax Provision | 81.6 M | |
Quarterly Earnings Growth Y O Y | 0.682 | |
Property Plant And Equipment Net | 14.7 M | |
Cash And Short Term Investments | 951.4 M | |
Cash | 845 M | |
Accounts Payable | 315.8 M | |
Net Debt | -845 M | |
50 Day M A | 494.5986 | |
Total Current Liabilities | 117.2 M | |
Other Operating Expenses | 2.1 B | |
Non Current Assets Total | 14.7 M | |
Forward Price Earnings | 10.3413 | |
Non Currrent Assets Other | 126.6 M | |
Stock Based Compensation | 45 M |
Complementary Tools for Credit Stock analysis
When running Credit Acceptance's price analysis, check to measure Credit Acceptance's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Credit Acceptance is operating at the current time. Most of Credit Acceptance's value examination focuses on studying past and present price action to predict the probability of Credit Acceptance's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Credit Acceptance's price. Additionally, you may evaluate how the addition of Credit Acceptance to your portfolios can decrease your overall portfolio volatility.
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