Credit Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Credit Acceptance
CACC Stock  USD 514.06  10.96  2.09%   
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
773.7 M
Profit Margin
0.2241
Market Capitalization
6.2 B
Enterprise Value Revenue
6.037
Revenue
846.1 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 11.3 B

Credit Acceptance Total Revenue

2.3 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 29.1 M, Interest Expense of 319.4 M or Selling General Administrative of 105.3 M, as well as many indicators such as Price To Sales Ratio of 2.54, Ptb Ratio of 3.93 or Capex To Depreciation of 0.16. 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 Assets9.2 B8.8 B5.2 B
Slightly volatile
Total Stockholder Equity2.1 B2 B1.4 B
Slightly volatile
Property Plant And Equipment Net56.1 M53.5 M35.4 M
Slightly volatile
Retained Earnings1.8 B1.7 B1.2 B
Slightly volatile
Non Current Assets Total9.2 B8.7 B1.6 B
Slightly volatile
Other Assets313.7 M420.2 M222 M
Slightly volatile
Cash And Short Term Investments17.7 M15.2 M23 M
Pretty Stable
Common Stock Shares Outstanding11.1 M11.7 M19.8 M
Slightly volatile
Short Term Investments7.5 M7.9 M40.2 M
Very volatile
Liabilities And Stockholders Equity9.2 B8.8 B5.2 B
Slightly volatile
Total Liabilities7.1 B6.7 B3.8 B
Slightly volatile
Property Plant And Equipment Gross138 M131.4 M56.9 M
Slightly volatile
Total Current Assets14.4 M15.2 M3.5 B
Pretty Stable
Short and Long Term Debt Total6.1 B5.8 B3.4 B
Slightly volatile
Net Debt6.1 B5.8 B3.2 B
Slightly volatile
Non Current Liabilities Total7.1 B6.7 B3.6 B
Slightly volatile
Total Current Liabilities482.8 M459.8 M210.2 M
Slightly volatile
Accounts Payable385 M366.6 M185.8 M
Slightly volatile
Cash18 M15.2 M22.5 M
Pretty Stable
Net Receivables4.7 M4.9 M3.3 B
Pretty Stable
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 Debt6.1 B5.8 B3.2 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 Capital6.9 B7.8 B5.7 B
Slightly volatile
Net Working Capital6.6 B8.1 B5.2 B
Slightly volatile
Capital Stock120 K90 K169.4 K
Slightly volatile

Credit Acceptance Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization29.1 M30.6 M918 M
Pretty Stable
Selling General Administrative105.3 M100.3 M59 M
Slightly volatile
Selling And Marketing Expenses110.7 M105.5 M58.5 M
Slightly volatile
Total Revenue2.3 B2.2 B1.2 B
Slightly volatile
Gross Profit2.3 B2.2 B953.2 M
Slightly volatile
Operating Income303.8 M422.7 M514.8 M
Slightly volatile
EBITDA735.7 M422.7 M1.3 B
Pretty Stable
Income Before Tax304.5 M422.7 M517.9 M
Slightly volatile
Net Income216.8 M329 M376 M
Slightly volatile
Income Tax Expense87.6 M93.7 M142 M
Pretty Stable
Other Operating Expenses1.9 B1.8 B682.2 M
Slightly volatile
Cost Of Revenue704 M670.5 M348.9 M
Slightly volatile
Net Income Applicable To Common Shares647 M616.2 M437.3 M
Slightly volatile
Net Income From Continuing Ops464.9 M367.8 M407.2 M
Slightly volatile
Non Recurring108.8 M174.8 M112.7 M
Slightly volatile
Tax Provision139.5 M85 M166.7 M
Pretty Stable
Interest Income15.4 M16.2 M67.9 M
Slightly volatile
Reconciled Depreciation25.2 M30.1 M20.6 M
Slightly volatile

Credit Acceptance Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow1.3 B1.4 B19.4 B
Slightly volatile
Depreciation29.1 M30.6 M780.4 M
Slightly volatile
Capital Expenditures4.4 M4.6 M557.4 M
Slightly volatile
Total Cash From Operating Activities1.3 B1.4 B20 B
Slightly volatile
Net Income312.6 M329 M14.1 B
Slightly volatile
Begin Period Cash Flow256.2 M480.4 M490.2 M
Pretty Stable
Change To Netincome616.4 M587.1 M234.8 M
Slightly volatile
Stock Based Compensation33.4 M35.2 M778.4 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.542.67545.0993
Slightly volatile
PTB Ratio3.934.534.1545
Very volatile
Capex To Depreciation0.160.170.5304
Slightly volatile
PB Ratio3.934.534.1545
Very volatile
ROIC0.05190.05460.1732
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 Turnover1.31.741.7584
Slightly volatile
Sales General And Administrative To Revenue0.0430.04530.0646
Slightly volatile
POCF Ratio10.766.599.1098
Slightly volatile
Interest Coverage4.026.765.6359
Pretty Stable
Capex To Operating Cash Flow0.00360.00380.0148
Slightly volatile
PFCF Ratio11.96.619.3271
Slightly volatile
Days Payables Outstanding271217222
Slightly volatile
Income Quality3.154.841.9746
Slightly volatile
ROE0.180.150.2895
Slightly volatile
EV To Operating Cash Flow14.7311.4213.4055
Pretty Stable
PE Ratio25.0623.337115.5258
Slightly volatile
Return On Tangible Assets0.05540.03380.0815
Slightly volatile
EV To Free Cash Flow16.0611.4613.6984
Pretty Stable
Earnings Yield0.05380.04290.0708
Slightly volatile
Net Debt To EBITDA16.3215.556.174
Slightly volatile
Current Ratio0.02820.029720.4734
Very volatile
Receivables Turnover41839879.3354
Slightly volatile
Debt To Equity2.732.62.1365
Slightly volatile
Revenue Per Share18417573.2036
Slightly volatile
Debt To Assets0.350.60.5626
Slightly volatile
Enterprise Value Over EBITDA19.7736.7715.6632
Slightly volatile
Days Sales Outstanding0.710.741.1 K
Pretty Stable
Book Value Per Share12812279.1709
Slightly volatile
Free Cash Flow Yield0.10.160.1178
Slightly volatile
Operating Cash Flow Per Share87.8283.6442.6828
Slightly volatile
Stock Based Compensation To Revenue0.01090.01850.0132
Slightly volatile
EV To Sales7.957.237.9285
Very volatile
Free Cash Flow Per Share87.5383.3642.2652
Slightly volatile
Capex To Revenue0.00230.00240.0085
Slightly volatile
Cash Per Share1.391.43.3499
Pretty Stable
Tangible Book Value Per Share12812281.4603
Slightly volatile
Graham Number245233192
Slightly volatile
Shareholders Equity Per Share12812279.0209
Slightly volatile
Capex Per Share0.210.280.4125
Pretty Stable
Interest Debt Per Share370352194
Slightly volatile
Short Term Coverage Ratios389370131
Slightly volatile
Price Earnings Ratio25.0623.337115.5258
Slightly volatile
Price Book Value Ratio3.934.534.1545
Very volatile
Days Of Payables Outstanding271217222
Slightly volatile
Price To Operating Cash Flows Ratio10.766.599.1098
Slightly volatile
Price To Free Cash Flows Ratio11.96.619.3271
Slightly volatile
Pretax Profit Margin0.140.15240.5062
Slightly volatile
Ebt Per Ebit0.190.19840.8632
Slightly volatile
Operating Profit Margin0.410.76810.5917
Slightly volatile
Effective Tax Rate0.340.24760.2889
Slightly volatile
Company Equity Multiplier2.663.913.4995
Pretty Stable
Long Term Debt To Capitalization0.420.670.619
Slightly volatile
Total Debt To Capitalization0.440.670.6311
Slightly volatile
Return On Capital Employed0.0960.05490.1275
Slightly volatile
Debt Equity Ratio2.732.62.1365
Slightly volatile
Ebit Per Revenue0.410.76810.5917
Slightly volatile
Quick Ratio0.02820.029719.0683
Pretty Stable
Dividend Paid And Capex Coverage Ratio284271131
Slightly volatile
Net Income Per E B T0.550.75240.7042
Pretty Stable
Cash Ratio0.03610.0380.1122
Very volatile
Days Of Inventory Outstanding560795739
Very volatile
Free Cash Flow Operating Cash Flow Ratio0.760.90.9645
Slightly volatile
Cash Flow Coverage Ratios0.440.270.4497
Slightly volatile
Price To Book Ratio3.934.534.1545
Very volatile
Fixed Asset Turnover38.6536.8133.3423
Pretty Stable
Capital Expenditure Coverage Ratio284271131
Slightly volatile
Price Cash Flow Ratio10.766.599.1098
Slightly volatile
Enterprise Value Multiple19.7736.7715.6632
Slightly volatile
Debt Ratio0.350.60.5626
Slightly volatile
Cash Flow To Debt Ratio0.440.270.4497
Slightly volatile
Price Sales Ratio2.542.67545.0993
Slightly volatile
Return On Assets0.05570.03380.0822
Slightly volatile
Asset Turnover0.180.220.222
Pretty Stable
Net Profit Margin0.110.11460.3589
Slightly volatile
Gross Profit Margin0.560.610.6923
Slightly volatile
Price Fair Value3.934.534.1545
Very volatile
Return On Equity0.180.150.2895
Slightly volatile
Operating Cycle0.710.741.4 K
Very volatile
Operating Cash Flow Sales Ratio0.420.570.5917
Pretty Stable
Days Of Sales Outstanding0.710.741.1 K
Pretty Stable

Credit Acceptance Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap6.1 B5.8 B5.3 B
Slightly volatile
Enterprise Value11.3 B10.8 B8.5 B
Slightly volatile

Credit Fundamental Market Drivers

Forward Price Earnings14.0252
Cash And Short Term Investments13.2 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 Revenue670.5 M704 M
Sales General And Administrative To Revenue 0.05  0.04 
Revenue Per Share 175.47  184.25 
Stock Based Compensation To Revenue 0.02  0.01 
Ebit Per Revenue 0.77  0.41 

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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:
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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 Portfolio Backtesting module to avoid under-diversification and over-optimization by backtesting your portfolios.
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
0.169
Earnings Share
14.96
Revenue Per Share
67.945
Quarterly Revenue Growth
0.138
Return On Assets
0.0236
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
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Piotroski
F Score
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Beneish
M Score
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Financial
Analysis
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Buy or Sell
Advice
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Earnings
Projections
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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.
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