Credit Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Credit Acceptance
CACC Stock  USD 483.98  1.16  0.24%   
Credit Acceptance's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Credit Acceptance's valuation are provided below:
Gross Profit
1.2 B
Profit Margin
0.3681
Market Capitalization
5.3 B
Enterprise Value Revenue
5.062
Revenue
1.2 B
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 2026 to make sure the company is sustainable down the road. The current year's Enterprise Value is expected to grow to about 10.2 B, whereas Market Cap is forecasted to decline to about 2.5 B.

Credit Acceptance Total Revenue

2.43 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 33.6 M, Interest Expense of 559 M or Selling General Administrative of 118.2 M, as well as many indicators such as Price To Sales Ratio of 2.01, Dividend Yield of 0.0 or PTB Ratio of 3.92. Credit financial statements analysis is a perfect complement when working with Credit Acceptance Valuation or Volatility modules.
  
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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.

Credit Acceptance Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets9.1 B8.6 B5.5 B
Slightly volatile
Total Stockholder Equity856.5 M1.5 B1.3 B
Slightly volatile
Property Plant And Equipment Net12 M12.6 M29.2 M
Slightly volatile
Retained Earnings737.6 M1.1 B1.2 B
Slightly volatile
Non Current Assets Total317.6 M167.6 M540.8 M
Slightly volatile
Other Assets9.1 B8.6 B2.2 B
Slightly volatile
Cash And Short Term Investments525.7 M500.7 M157.7 M
Slightly volatile
Common Stock Shares Outstanding10.7 M11.3 M19.4 M
Slightly volatile
Short Term Investments10.4 M10.9 M38.7 M
Very volatile
Liabilities And Stockholders Equity9.1 B8.6 B5.5 B
Slightly volatile
Total Liabilities7.5 B7.1 B4.1 B
Slightly volatile
Property Plant And Equipment Gross80.4 M76.6 M50.8 M
Slightly volatile
Total Current Assets10.5 B10 B5 B
Slightly volatile
Short and Long Term Debt Total6.7 B6.4 B3.7 B
Slightly volatile
Net Debt6.1 B5.9 B3.4 B
Slightly volatile
Non Current Liabilities Total8.1 B7.7 B3.9 B
Slightly volatile
Total Current Liabilities420.2 M400.2 M216.2 M
Slightly volatile
Accounts Payable381.3 M363.2 M193 M
Slightly volatile
Cash525.7 M500.7 M156.2 M
Slightly volatile
Net Receivables63.8 M67.2 M3.1 B
Very volatile
Common Stock Total Equity85.5 K90 K181.7 K
Slightly volatile
Short Term Debt95.4 M100.4 M263.6 M
Very volatile
Common Stock85.5 K90 K181.7 K
Slightly volatile
Other Liabilities515.2 M490.7 M272.2 M
Slightly volatile
Long Term Debt7.7 B7.3 B3.6 B
Slightly volatile
Property Plant Equipment34.6 M59.1 M39.3 M
Slightly volatile
Inventory1.1 B1.1 B563.5 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 B3.1 B
Slightly volatile
Capital Surpluse296.7 M282.6 M155.8 M
Slightly volatile
Deferred Long Term Liabilities515.2 M490.7 M262.2 M
Slightly volatile
Long Term Investments4.7 B7.2 B4.6 B
Slightly volatile
Non Current Liabilities Other684 K720 K71.2 M
Slightly volatile
Short and Long Term Debt2.2 M2.3 M807.7 M
Slightly volatile
Net Invested Capital7.1 B9.3 B5.9 B
Slightly volatile
Net Working Capital6.9 B9.5 B5.5 B
Slightly volatile
Capital Stock114.3 K90 K165 K
Slightly volatile

Credit Acceptance Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization33.6 M32 M19.5 M
Slightly volatile
Selling General Administrative118.2 M112.6 M62.7 M
Slightly volatile
Selling And Marketing Expenses114 M108.6 M61 M
Slightly volatile
Total Revenue2.4 B2.3 B1.3 B
Slightly volatile
Gross Profit2.4 B2.3 B1 B
Slightly volatile
Operating Income1.1 B1 B587 M
Slightly volatile
EBIT320.3 M373.9 M504.8 M
Slightly volatile
EBITDA1.1 B1 B602.1 M
Slightly volatile
Income Before Tax315.9 M565.4 M515.9 M
Slightly volatile
Net Income226.2 M423.9 M374.6 M
Slightly volatile
Income Tax Expense90 M141.5 M141.4 M
Pretty Stable
Cost Of Revenue968.7 M922.5 M405.9 M
Slightly volatile
Net Income Applicable To Common Shares647 M616.2 M443.1 M
Slightly volatile
Net Income From Continuing Ops451.2 M285.1 M392.2 M
Slightly volatile
Non Recurring108.8 M174.8 M115 M
Slightly volatile
Tax Provision132.1 M73.4 M160.6 M
Slightly volatile
Interest Income22.4 M23.6 M66.3 M
Slightly volatile
Reconciled Depreciation25.9 M32 M21.2 M
Slightly volatile

Credit Acceptance Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow1.4 B1.3 B733.9 M
Slightly volatile
Depreciation33.6 M32 M19.5 M
Slightly volatile
Capital Expenditures2 M2.1 M7.3 M
Very volatile
Total Cash From Operating Activities1.4 B1.3 B741.2 M
Slightly volatile
Net Income219.2 M285.1 M366 M
Slightly volatile
Begin Period Cash Flow568.6 M541.5 M257.9 M
Slightly volatile
Change To Netincome616.4 M587.1 M251 M
Slightly volatile
Stock Based Compensation54.3 M51.8 M20.7 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.012.12014.3542
Slightly volatile
PTB Ratio3.923.22444.0273
Slightly volatile
Days Sales Outstanding10.0610.5852898
Slightly volatile
Book Value Per Share14413884.7567
Slightly volatile
Free Cash Flow Yield0.10.180.1236
Slightly volatile
Operating Cash Flow Per Share87.2683.1145.5398
Slightly volatile
Stock Based Compensation To Revenue0.01060.0190.0137
Pretty Stable
Capex To Depreciation0.07070.07450.4921
Slightly volatile
PB Ratio3.923.22444.0273
Slightly volatile
EV To Sales5.14.64616.8089
Slightly volatile
Free Cash Flow Per Share87.1282.9745.1553
Slightly volatile
Inventory Turnover0.370.390.6052
Very volatile
Net Income Per Share40.1838.264223.5862
Slightly volatile
Days Of Inventory On Hand674974754
Pretty Stable
Payables Turnover1.292.171.8832
Slightly volatile
Sales General And Administrative To Revenue0.07410.05280.0542
Slightly volatile
Capex To Revenue9.0E-40.0010.0079
Slightly volatile
Cash Per Share47.4645.196714.4843
Slightly volatile
POCF Ratio10.625.858.8211
Slightly volatile
Interest Coverage2.432.564.2986
Slightly volatile
Capex To Operating Cash Flow0.00170.00180.0137
Slightly volatile
PFCF Ratio5.565.868.6607
Slightly volatile
Days Payables Outstanding277174211
Slightly volatile
Income Quality3.165.282.155
Slightly volatile
ROE0.180.27820.2884
Slightly volatile
EV To Operating Cash Flow14.6111.4113.157
Slightly volatile
PE Ratio11.0111.589414.4678
Very volatile
Return On Tangible Assets0.05370.04910.0785
Slightly volatile
EV To Free Cash Flow15.9111.4313.4305
Slightly volatile
Earnings Yield0.05390.08630.0717
Pretty Stable
Net Debt To EBITDA3.155.69215.4378
Slightly volatile
Current Ratio37.1235.3628.9012
Slightly volatile
Tangible Book Value Per Share14413886.1846
Slightly volatile
Receivables Turnover45.8434.482173.8559
Slightly volatile
Graham Number361344209
Slightly volatile
Shareholders Equity Per Share14413884.6155
Slightly volatile
Debt To Equity4.384.17032.4164
Slightly volatile
Capex Per Share0.20.130.3874
Very volatile
Revenue Per Share22020987.4467
Slightly volatile
Interest Debt Per Share646615244
Slightly volatile
Debt To Assets0.770.73610.5939
Slightly volatile
Enterprise Value Over EBITDA9.7710.469714.8986
Slightly volatile
Short Term Coverage Ratios20.5611.7333.8166
Pretty Stable
Price Earnings Ratio11.0111.589414.4678
Very volatile
Operating Cycle10.0610.58521 K
Slightly volatile
Price Book Value Ratio3.923.22444.0273
Slightly volatile
Days Of Payables Outstanding277174211
Slightly volatile
Price To Operating Cash Flows Ratio10.625.858.8211
Slightly volatile
Price To Free Cash Flows Ratio5.565.868.6607
Slightly volatile
Pretax Profit Margin0.230.2440.4631
Slightly volatile
Ebt Per Ebit1.090.54920.9856
Pretty Stable
Operating Profit Margin0.540.44430.5118
Slightly volatile
Effective Tax Rate0.340.25030.2866
Slightly volatile
Company Equity Multiplier5.955.66533.9706
Slightly volatile
Long Term Debt To Capitalization0.420.80660.6317
Slightly volatile
Total Debt To Capitalization0.450.80660.649
Slightly volatile
Return On Capital Employed0.0880.12510.1267
Slightly volatile
Debt Equity Ratio4.384.17032.4164
Slightly volatile
Ebit Per Revenue0.540.44430.5118
Slightly volatile
Quick Ratio37.1235.3628.2327
Slightly volatile
Dividend Paid And Capex Coverage Ratio597569197
Slightly volatile
Net Income Per E B T0.560.74970.7075
Pretty Stable
Cash Ratio1.181.130.4543
Slightly volatile
Operating Cash Flow Sales Ratio0.420.480.5336
Pretty Stable
Days Of Inventory Outstanding674974754
Pretty Stable
Days Of Sales Outstanding10.0610.5852898
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.760.90.9665
Slightly volatile
Cash Flow Coverage Ratios0.20.210.4158
Slightly volatile
Price To Book Ratio3.923.22444.0273
Slightly volatile
Fixed Asset Turnover19318458.514
Slightly volatile
Capital Expenditure Coverage Ratio597569197
Slightly volatile
Price Cash Flow Ratio10.625.858.8211
Slightly volatile
Enterprise Value Multiple9.7710.469714.8986
Slightly volatile
Debt Ratio0.770.73610.5939
Slightly volatile
Cash Flow To Debt Ratio0.20.210.4158
Slightly volatile
Price Sales Ratio2.012.12014.3542
Slightly volatile
Return On Assets0.05380.04910.079
Slightly volatile
Asset Turnover0.290.26850.2484
Slightly volatile
Net Profit Margin0.360.18290.336
Slightly volatile
Gross Profit Margin0.570.560.7008
Slightly volatile
Price Fair Value3.923.22444.0273
Slightly volatile
Return On Equity0.180.27820.2884
Slightly volatile

Credit Acceptance Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap2.5 B4.4 B5 B
Slightly volatile
Enterprise Value10.2 B9.7 B8.5 B
Slightly volatile

Credit Fundamental Market Drivers

Forward Price Earnings10.3413
Cash And Short Term Investments500.7 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 Revenue2.3 B2.4 B
Cost Of Revenue922.5 M968.7 M
Stock Based Compensation To Revenue 0.02  0.01 
Sales General And Administrative To Revenue 0.05  0.07 
Revenue Per Share 209.17  219.62 
Ebit Per Revenue 0.44  0.54 

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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 Transaction History module to view history of all your transactions and understand their impact on performance.
Will Consumer Finance sector continue expanding? Could Credit diversify its offerings? Factors like these will boost the valuation of Credit Acceptance. Projected growth potential of Credit fundamentally drives upward valuation adjustments. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Credit Acceptance data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth
(0.10)
Earnings Share
36.49
Revenue Per Share
104.572
Quarterly Revenue Growth
0.016
Return On Assets
0.0524
Understanding Credit Acceptance requires distinguishing between market price and book value, where the latter reflects Credit's accounting equity. The concept of intrinsic value - what Credit Acceptance's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push Credit Acceptance's price substantially above or below its fundamental value.
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Piotroski
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Beneish
M Score
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Financial
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Buy or Sell
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It's important to distinguish between Credit Acceptance's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Credit Acceptance should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. In contrast, Credit Acceptance's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.
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