Based on the measurements of operating efficiency obtained from Credit Acceptance's historical financial statements, Credit Acceptance may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. At present, Credit Acceptance's Total Stockholder Equity is projected to increase significantly based on the last few years of reporting. The current year's Retained Earnings is expected to grow to about 1.5 B, whereas Property Plant And Equipment Net is forecasted to decline to about 26.4 M. Key indicators impacting Credit Acceptance's financial strength include:
Investors should never underestimate Credit Acceptance's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Credit Acceptance's cash flow, debt, and profitability to make informed and accurate decisions about investing in Credit Acceptance.
Net Income
216.82 Million
Credit
Select Account or Indicator
Market Cap
Enterprise Value
Price To Sales Ratio
Ptb Ratio
Days Sales Outstanding
Book Value Per Share
Free Cash Flow Yield
Operating Cash Flow Per Share
Stock Based Compensation To Revenue
Capex To Depreciation
Pb Ratio
Ev To Sales
Free Cash Flow Per Share
Roic
Inventory Turnover
Net Income Per Share
Days Of Inventory On Hand
Payables Turnover
Sales General And Administrative To Revenue
Capex To Revenue
Cash Per Share
Pocfratio
Interest Coverage
Capex To Operating Cash Flow
Pfcf Ratio
Days Payables Outstanding
Income Quality
Roe
Ev To Operating Cash Flow
Pe Ratio
Return On Tangible Assets
Ev To Free Cash Flow
Earnings Yield
Intangibles To Total Assets
Net Debt To E B I T D A
Current Ratio
Tangible Book Value Per Share
Receivables Turnover
Graham Number
Shareholders Equity Per Share
Debt To Equity
Capex Per Share
Graham Net Net
Revenue Per Share
Interest Debt Per Share
Debt To Assets
Enterprise Value Over E B I T D A
Short Term Coverage Ratios
Price Earnings Ratio
Operating Cycle
Price Book Value Ratio
Price Earnings To Growth Ratio
Days Of Payables Outstanding
Price To Operating Cash Flows Ratio
Price To Free Cash Flows Ratio
Pretax Profit Margin
Ebt Per Ebit
Operating Profit Margin
Effective Tax Rate
Company Equity Multiplier
Long Term Debt To Capitalization
Total Debt To Capitalization
Return On Capital Employed
Debt Equity Ratio
Ebit Per Revenue
Quick Ratio
Dividend Paid And Capex Coverage Ratio
Net Income Per E B T
Cash Ratio
Cash Conversion Cycle
Operating Cash Flow Sales Ratio
Days Of Inventory Outstanding
Days Of Sales Outstanding
Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios
Price To Book Ratio
Fixed Asset Turnover
Capital Expenditure Coverage Ratio
Price Cash Flow Ratio
Enterprise Value Multiple
Debt Ratio
Cash Flow To Debt Ratio
Price Sales Ratio
Return On Assets
Asset Turnover
Net Profit Margin
Gross Profit Margin
Price Fair Value
Return On Equity
Change In Cash
Free Cash Flow
Change In Working Capital
Other Cashflows From Financing Activities
Depreciation
Other Non Cash Items
Capital Expenditures
Total Cash From Operating Activities
Change To Account Receivables
Net Income
Total Cash From Financing Activities
End Period Cash Flow
Begin Period Cash Flow
Change To Inventory
Sale Purchase Of Stock
Dividends Paid
Change To Liabilities
Change To Netincome
Total Cashflows From Investing Activities
Stock Based Compensation
Other Cashflows From Investing Activities
Investments
Net Borrowings
Cash And Cash Equivalents Changes
Cash Flows Other Operating
Change To Operating Activities
Total Assets
Total Stockholder Equity
Property Plant And Equipment Net
Retained Earnings
Non Current Assets Total
Non Currrent Assets Other
Other Assets
Cash And Short Term Investments
Common Stock Shares Outstanding
Short Term Investments
Liabilities And Stockholders Equity
Other Stockholder Equity
Total Liab
Property Plant And Equipment Gross
Total Current Assets
Short Long Term Debt Total
Net Debt
Non Current Liabilities Total
Other Current Liab
Total Current Liabilities
Accounts Payable
Cash
Net Receivables
Common Stock Total Equity
Accumulated Other Comprehensive Income
Short Term Debt
Common Stock
Other Liab
Long Term Debt
Other Current Assets
Property Plant Equipment
Inventory
Net Tangible Assets
Retained Earnings Total Equity
Long Term Debt Total
Capital Surpluse
Deferred Long Term Liab
Long Term Investments
Short Long Term Debt
Net Invested Capital
Net Working Capital
Current Deferred Revenue
Depreciation And Amortization
Interest Expense
Selling General Administrative
Selling And Marketing Expenses
Total Revenue
Gross Profit
Operating Income
Ebit
Ebitda
Income Before Tax
Total Other Income Expense Net
Income Tax Expense
Other Operating Expenses
Total Operating Expenses
Cost Of Revenue
Net Income Applicable To Common Shares
Extraordinary Items
Net Income From Continuing Ops
Research Development
Non Recurring
Non Operating Income Net Other
Tax Provision
Interest Income
Net Interest Income
Reconciled Depreciation
Probability Of Bankruptcy
Understanding current and past Credit Acceptance Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Credit Acceptance's financial statements are interrelated, with each one affecting the others. For example, an increase in Credit Acceptance's assets may result in an increase in income on the income statement.
Please note, the presentation of Credit Acceptance's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Credit Acceptance's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Credit Acceptance's management manipulating its earnings.
Credit Acceptance Stock Summary
Credit Acceptance competes with World Acceptance, FirstCash, Dorman Products, Encore Capital, and CorVel Corp. 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.
Comparative valuation techniques use various fundamental indicators to help in determining Credit Acceptance's current stock value. Our valuation model uses many indicators to compare Credit Acceptance value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Credit Acceptance competition to find correlations between indicators driving Credit Acceptance's intrinsic value. More Info.
Credit Acceptance is rated fifth in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about 0.21 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Credit Acceptance is roughly 4.80 . At present, Credit Acceptance's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Credit Acceptance's earnings, one of the primary drivers of an investment's value.
Credit Acceptance Systematic Risk
Credit Acceptance's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Credit Acceptance volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourteen with a total number of output elements of fourty-seven. The Beta measures systematic risk based on how returns on Credit Acceptance correlated with the market. If Beta is less than 0 Credit Acceptance generally moves in the opposite direction as compared to the market. If Credit Acceptance Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Credit Acceptance is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Credit Acceptance is generally in the same direction as the market. If Beta > 1 Credit Acceptance moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Credit Acceptance Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Credit Acceptance's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Credit Acceptance growth as a starting point in their analysis.
Price Earnings To Growth Ratio
(0.52)
At present, Credit Acceptance's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.
Credit Acceptance November 21, 2024 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Credit Acceptance help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Credit Acceptance. We use our internally-developed statistical techniques to arrive at the intrinsic value of Credit Acceptance based on widely used predictive technical indicators. In general, we focus on analyzing Credit Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Credit Acceptance's daily price indicators and compare them against related drivers.
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.