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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| CACC | +5.02% | +49.28% | +8.34% | +18,155% |
| S&P | +14.84% | +96.04% | +14.41% | +1,529% |
Credit Acceptance Corp. engages in the provision of dealer financing programs that enables automobile dealers to sell vehicles to consumers, regardless of its credit history. Its financing programs are offered through a nationwide network of automobile dealers who benefit from sales of vehicles to consumers. The company was founded by Donald A. Foss in 1972 and is headquartered in Southfield, MI.
The auto lender got hit with some bad news on the legal front.
| Q2 2025 | YOY Change | |
|---|---|---|
| Revenue | $583.80M | 8.5% |
| Gross Profit | $577.00M | 8.6% |
| Gross Margin | 98.84% | 0.1% |
| Market Cap | $5.91B | 0.0% |
| Market Cap / Employee | $2.43M | 0.0% |
| Employees | 2.4K | 8.9% |
| Net Income | $87.40M | 285.6% |
| EBITDA | $415.30M | 3.7% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Net Cash | $563.80M | 8.9% |
| Inventory | 0 | 0.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $6.41B | 9.6% |
| Short Term Debt | $63.80M | -34.8% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 5.00% | 2.6% |
| Return On Invested Capital | 9.02% | 0.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $139.40M | -31.5% |
| Operating Free Cash Flow | $139.70M | -31.5% |
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 29.78 | 23.64 | 22.04 | 14.69 | -60.14% |
| Price to Book | 3.56 | 3.50 | - | ||
| Price to Sales | 2.64 | 2.69 | 2.85 | 2.64 | -15.77% |
| Price to Tangible Book Value | 3.56 | 3.50 | - | ||
| Price to Free Cash Flow TTM | 4.83 | 5.12 | 5.41 | 5.41 | -2.72% |
| Enterprise Value to EBITDA | 26.95 | 26.10 | 27.94 | 28.64 | -2.32% |
| Free Cash Flow Yield | 20.7% | 19.5% | 18.5% | 18.5% | 2.80% |
| Return on Equity | 11.3% | 14.2% | 17.2% | 27.3% | 148.15% |
| Total Debt | $6.25B | $6.35B | $6.71B | $6.47B | 8.82% |
CACC earnings call for the period ending June 30, 2022.
CACC earnings call for the period ending March 31, 2022.
CACC earnings call for the period ending December 31, 2021.
CACC earnings call for the period ending September 30, 2021.
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