Credit Net Receivables vs Cash Analysis

CACC Stock

USD 460.02 12.45 2.78%

Credit Acceptance financial indicator trend analysis is way more than just evaluating Credit Acceptance prevailing accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether Credit Acceptance is a good investment. Please check the relationship between Credit Acceptance Net Receivables and its Cash accounts. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Credit Acceptance. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in main economic indicators.

For information on how to trade Credit Stock refer to our How to Trade Credit Stock guide.

Net Receivables vs Cash

Net Receivables vs Cash Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of Credit Acceptance Net Receivables account and Cash. At this time, the significance of the direction appears to have weak relationship.

The correlation between Credit Acceptance's Net Receivables and Cash is 0.38. Overlapping area represents the amount of variation of Net Receivables that can explain the historical movement of Cash in the same time period over historical financial statements of Credit Acceptance, assuming nothing else is changed. The correlation between historical values of Credit Acceptance's Net Receivables and Cash is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Net Receivables of Credit Acceptance are associated (or correlated) with its Cash. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Cash has no effect on the direction of Net Receivables i.e., Credit Acceptance's Net Receivables and Cash go up and down completely randomly.

Correlation Coefficient

0.38

Relationship Direction	Positive
Relationship Strength	Very Weak

View All Relationships

Net Receivables

Cash

Cash refers to the most liquid asset of Credit Acceptance, which is listed under current asset account on Credit Acceptance balance sheet and usually includes currency, coins, checking accounts, and not deposited checks received from Credit Acceptance customers. The amounts must be unrestricted with restricted cash listed in a different Credit Acceptance account. The total amount of money in the form of currency that a company has in its possession. This includes all bills, coins, and funds in bank accounts.

Most indicators from Credit Acceptance's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Credit Acceptance current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Credit Acceptance. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in main economic indicators.

For information on how to trade Credit Stock refer to our How to Trade Credit Stock guide.At present, Credit Acceptance's Enterprise Value Over EBITDA is projected to increase based on the last few years of reporting. The current year's Enterprise Value Multiple is expected to grow to 19.29, whereas Selling General Administrative is forecasted to decline to about 44 M.

	2021	2022	2023	2024 (projected)
Gross Profit	1.4B	709.4M	1.9B	2.0B
Total Revenue	1.8B	1.2B	1.9B	2.0B

Gross Profit Total Revenue

Credit Acceptance fundamental ratios Correlations

	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	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	Short Term Debt	Common Stock	Other Liab
Total Assets		0.96	0.84	0.93	0.47	0.43	0.69	0.36	-0.76	0.28	-0.47	0.99	0.83	0.48	0.97	1.0	1.0	-0.35	0.75	0.88	0.39	1.0	-0.76	0.18	-0.76	0.83
Total Stockholder Equity	0.96		0.86	1.0	0.28	0.24	0.58	0.49	-0.73	0.4	-0.24	0.92	0.66	0.64	0.89	0.93	0.93	-0.2	0.57	0.74	0.51	0.96	-0.63	0.09	-0.63	0.71
Property Plant And Equipment Net	0.84	0.86		0.86	0.1	0.05	0.68	0.48	-0.78	0.51	-0.2	0.81	0.7	0.7	0.8	0.81	0.82	-0.29	0.38	0.6	0.5	0.83	-0.61	0.18	-0.61	0.6
Retained Earnings	0.93	1.0	0.86		0.21	0.17	0.55	0.52	-0.71	0.43	-0.16	0.89	0.6	0.67	0.85	0.89	0.9	-0.15	0.51	0.68	0.54	0.93	-0.59	0.06	-0.59	0.66
Non Current Assets Total	0.47	0.28	0.1	0.21		1.0	0.33	-0.07	-0.14	-0.59	-0.79	0.54	0.64	-0.54	0.45	0.52	0.51	-0.14	0.92	0.77	-0.06	0.47	-0.48	-0.13	-0.48	0.57
Non Currrent Assets Other	0.43	0.24	0.05	0.17	1.0		0.3	-0.08	-0.1	-0.62	-0.78	0.5	0.6	-0.58	0.41	0.48	0.47	-0.12	0.9	0.74	-0.08	0.43	-0.44	-0.15	-0.44	0.54
Other Assets	0.69	0.58	0.68	0.55	0.33	0.3		-0.1	-0.55	0.19	-0.45	0.71	0.75	0.32	0.71	0.71	0.71	-0.48	0.49	0.59	-0.09	0.69	-0.48	0.25	-0.48	0.8
Cash And Short Term Investments	0.36	0.49	0.48	0.52	-0.07	-0.08	-0.1		-0.16	0.22	0.15	0.31	0.13	0.41	0.28	0.3	0.32	0.16	0.07	0.18	1.0	0.36	-0.03	-0.14	-0.03	0.19
Common Stock Shares Outstanding	-0.76	-0.73	-0.78	-0.71	-0.14	-0.1	-0.55	-0.16		-0.52	0.3	-0.75	-0.6	-0.59	-0.78	-0.76	-0.76	0.44	-0.44	-0.63	-0.19	-0.76	0.79	-0.38	0.79	-0.51
Short Term Investments	0.28	0.4	0.51	0.43	-0.59	-0.62	0.19	0.22	-0.52		0.34	0.23	0.03	0.85	0.3	0.24	0.25	-0.22	-0.3	-0.04	0.23	0.28	-0.26	0.35	-0.26	0.01
Other Stockholder Equity	-0.47	-0.24	-0.2	-0.16	-0.79	-0.78	-0.45	0.15	0.3	0.34		-0.54	-0.73	0.34	-0.58	-0.53	-0.52	0.65	-0.84	-0.8	0.15	-0.46	0.53	-0.43	0.53	-0.59
Total Liab	0.99	0.92	0.81	0.89	0.54	0.5	0.71	0.31	-0.75	0.23	-0.54		0.88	0.41	0.98	1.0	1.0	-0.4	0.79	0.92	0.33	0.99	-0.79	0.21	-0.79	0.85
Property Plant And Equipment Gross	0.83	0.66	0.7	0.6	0.64	0.6	0.75	0.13	-0.6	0.03	-0.73	0.88		0.16	0.87	0.87	0.87	-0.52	0.81	0.88	0.14	0.83	-0.77	0.27	-0.77	0.83
Total Current Assets	0.48	0.64	0.7	0.67	-0.54	-0.58	0.32	0.41	-0.59	0.85	0.34	0.41	0.16		0.48	0.43	0.44	-0.2	-0.2	0.08	0.43	0.49	-0.25	0.31	-0.25	0.22
Short Long Term Debt Total	0.97	0.89	0.8	0.85	0.45	0.41	0.71	0.28	-0.78	0.3	-0.58	0.98	0.87	0.48		0.98	0.98	-0.57	0.75	0.9	0.3	0.97	-0.78	0.41	-0.78	0.85
Net Debt	1.0	0.93	0.81	0.89	0.52	0.48	0.71	0.3	-0.76	0.24	-0.53	1.0	0.87	0.43	0.98		1.0	-0.4	0.78	0.91	0.32	1.0	-0.78	0.21	-0.78	0.85
Non Current Liabilities Total	1.0	0.93	0.82	0.9	0.51	0.47	0.71	0.32	-0.76	0.25	-0.52	1.0	0.87	0.44	0.98	1.0		-0.4	0.78	0.9	0.34	1.0	-0.79	0.21	-0.79	0.85
Other Current Liab	-0.35	-0.2	-0.29	-0.15	-0.14	-0.12	-0.48	0.16	0.44	-0.22	0.65	-0.4	-0.52	-0.2	-0.57	-0.4	-0.4		-0.36	-0.48	0.15	-0.35	0.42	-0.94	0.42	-0.46
Total Current Liabilities	0.75	0.57	0.38	0.51	0.92	0.9	0.49	0.07	-0.44	-0.3	-0.84	0.79	0.81	-0.2	0.75	0.78	0.78	-0.36		0.95	0.08	0.74	-0.7	0.11	-0.7	0.74
Accounts Payable	0.88	0.74	0.6	0.68	0.77	0.74	0.59	0.18	-0.63	-0.04	-0.8	0.92	0.88	0.08	0.9	0.91	0.9	-0.48	0.95		0.2	0.88	-0.8	0.25	-0.8	0.79
Cash	0.39	0.51	0.5	0.54	-0.06	-0.08	-0.09	1.0	-0.19	0.23	0.15	0.33	0.14	0.43	0.3	0.32	0.34	0.15	0.08	0.2		0.38	-0.06	-0.14	-0.06	0.19
Net Receivables	1.0	0.96	0.83	0.93	0.47	0.43	0.69	0.36	-0.76	0.28	-0.46	0.99	0.83	0.49	0.97	1.0	1.0	-0.35	0.74	0.88	0.38		-0.76	0.18	-0.76	0.82
Common Stock Total Equity	-0.76	-0.63	-0.61	-0.59	-0.48	-0.44	-0.48	-0.03	0.79	-0.26	0.53	-0.79	-0.77	-0.25	-0.78	-0.78	-0.79	0.42	-0.7	-0.8	-0.06	-0.76		-0.27	1.0	-0.5
Short Term Debt	0.18	0.09	0.18	0.06	-0.13	-0.15	0.25	-0.14	-0.38	0.35	-0.43	0.21	0.27	0.31	0.41	0.21	0.21	-0.94	0.11	0.25	-0.14	0.18	-0.27		-0.27	0.25
Common Stock	-0.76	-0.63	-0.61	-0.59	-0.48	-0.44	-0.48	-0.03	0.79	-0.26	0.53	-0.79	-0.77	-0.25	-0.78	-0.78	-0.79	0.42	-0.7	-0.8	-0.06	-0.76	1.0	-0.27		-0.5
Other Liab	0.83	0.71	0.6	0.66	0.57	0.54	0.8	0.19	-0.51	0.01	-0.59	0.85	0.83	0.22	0.85	0.85	0.85	-0.46	0.74	0.79	0.19	0.82	-0.5	0.25	-0.5

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Credit Acceptance Account Relationship Matchups

Credit Acceptance fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	7.4B	7.5B	7.1B	6.9B	7.6B	8.0B
Total Stockholder Equity	2.4B	2.3B	1.8B	1.6B	1.8B	1.8B
Property Plant And Equipment Net	59.7M	59.4M	57.3M	51.4M	46.5M	26.4M
Retained Earnings	2.2B	2.1B	1.6B	1.4B	1.5B	1.5B
Non Current Assets Total	94.8M	91.8M	109.1M	108.3M	7.6B	8.0B
Non Currrent Assets Other	(287.4M)	(358.6M)	(383.4M)	(369.8M)	7.5B	7.8B
Other Assets	91.7M	627M	462.7M	466.9M	420.2M	313.7M
Cash And Short Term Investments	187.4M	16M	23.3M	7.7M	13.2M	17.7M
Common Stock Shares Outstanding	19.0M	17.9M	16.1M	13.6M	13.0M	25.7M
Short Term Investments	59.3M	66.1M	62.1M	72.3M	6.9M	6.6M
Liabilities And Stockholders Equity	7.4B	7.5B	7.1B	6.9B	7.6B	8.0B
Other Stockholder Equity	157.7M	161.9M	197.2M	(1.1B)	(1.2B)	(1.1B)
Total Liab	5.1B	5.2B	5.2B	5.3B	5.9B	6.1B
Property Plant And Equipment Gross	59.7M	59.4M	112.6M	111.9M	114.3M	120.0M
Total Current Assets	7.3B	7.4B	6.9B	6.8B	13.2M	12.5M
Short Long Term Debt Total	4.6B	4.6B	4.6B	6.1B	5.1B	5.3B
Net Debt	4.4B	4.6B	4.6B	4.6B	5.1B	5.3B
Non Current Liabilities Total	4.9B	5.0B	5.1B	5.0B	5.5B	5.7B
Other Current Liab	(11.1M)	(282.6M)	(177.6M)	(1.9B)	(473.9M)	(450.2M)
Total Current Liabilities	206.6M	186.9M	175.2M	263.3M	473.9M	497.6M
Accounts Payable	206.4M	186.7M	175M	260.8M	318.8M	334.7M
Cash	187.4M	16M	23.3M	7.7M	13.2M	18.0M
Net Receivables	6.8B	6.9B	6.4B	6.3B	7.0B	7.3B
Accumulated Other Comprehensive Income	800K	1.6M	200K	(2.9M)	(1M)	(950K)
Short Term Debt	11.3M	95.9M	2.6M	1.5B	74.1M	70.4M
Other Liab	322.5M	391M	435.2M	426.7M	490.7M	515.2M
Long Term Debt	4.5B	4.5B	4.6B	4.6B	5.1B	5.3B
Other Current Assets	(583.9M)	381.3M	413.9M	482.3M	(482.1M)	(458.0M)
Property Plant Equipment	59.7M	59.4M	57.3M	51.4M	59.1M	34.6M
Inventory	973.5M	990.6M	1.0B	946.6M	1.1B	1.1B
Net Tangible Assets	2.4B	2.3B	1.8B	1.6B	1.9B	1.5B
Retained Earnings Total Equity	2.2B	2.1B	1.6B	1.4B	1.6B	1.4B
Long Term Debt Total	4.5B	4.5B	4.6B	4.6B	5.2B	3.1B
Capital Surpluse	157.7M	161.9M	197.2M	245.7M	282.6M	296.7M
Deferred Long Term Liab	322.5M	391M	435.2M	426.7M	490.7M	515.2M
Long Term Investments	6.7B	6.8B	6.3B	6.3B	7.2B	4.7B
Short Long Term Debt	171.9M	700K	95.9M	2.6M	2.3M	2.2M
Net Invested Capital	6.9B	6.9B	6.4B	6.2B	6.8B	6.9B

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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:

How To Invest In Credit

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Is Credit Stock a good investment?

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What is Credit Acceptance's Net Worth?

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Largest Consumer Finance Companies

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Largest Financial Services Companies

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Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Credit Acceptance. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in main economic indicators.

For information on how to trade Credit Stock refer to our How to Trade Credit Stock guide.

You can also try the Insider Screener module to find insiders across different sectors to evaluate their impact on performance.

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

15.04

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.

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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Credit Net Receivables vs Cash Analysis

Net Receivables vs Cash

Net Receivables vs Cash Correlation Analysis

Correlation Coefficient

Net Receivables

Cash

Credit Acceptance fundamental ratios Correlations

Credit Acceptance Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Credit Acceptance fundamental ratios Accounts

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Net Debt	+ 1.0	Total Assets
Non Current Liabilities Total	+ 1.0	Total Assets
Net Receivables	+ 1.0	Total Assets
Retained Earnings	+ 1.0	Total Stockholder Equity
Non Currrent Assets Other	+ 1.0	Non Current Assets Total
Cash	+ 1.0	Cash And Short Term Investments

Short Term Debt	- 0.94	Other Current Liab
Total Current Liabilities	- 0.84	Other Stockholder Equity
Common Stock	- 0.8	Accounts Payable
Common Stock Total Equity	- 0.8	Accounts Payable
Accounts Payable	- 0.8	Other Stockholder Equity
Common Stock	- 0.79	Non Current Liabilities Total