Credit Acceptance Stock Analysis

CACC Stock  USD 473.10  13.08  2.84%   
Credit Acceptance is fairly valued with Real Value of 454.44 and Target Price of 445.25. The main objective of Credit Acceptance stock analysis is to determine its intrinsic value, which is an estimate of what Credit Acceptance is worth, separate from its market price. There are two main types of Credit Acceptance's stock analysis: fundamental analysis and technical analysis.
The Credit Acceptance stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Credit Acceptance's ongoing operational relationships across important fundamental and technical indicators.
  
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.

Credit Stock Analysis Notes

About 31.0% of the company shares are held by company insiders. The book value of Credit Acceptance was currently reported as 135.94. The company has Price/Earnings To Growth (PEG) ratio of 1.15. Credit Acceptance recorded earning per share (EPS) of 14.95. The entity had not issued any dividends in recent years. The firm had 2:1 split on the 21st of December 1994. 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. For more info on Credit Acceptance please contact the company at 248 353 2700 or go to https://www.creditacceptance.com.

Credit Acceptance Quarterly Total Revenue

543.6 Million

Credit Acceptance Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Credit Acceptance's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Credit Acceptance or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
Credit Acceptance has a poor financial position based on the latest SEC disclosures
About 66.0% of the company shares are held by institutions such as insurance companies
Latest headline from thelincolnianonline.com: Cantillon Capital Management LLC Cuts Stock Position in Credit Acceptance Co.

Credit Acceptance Upcoming and Recent Events

Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Credit Acceptance previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
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

Credit Largest EPS Surprises

Earnings surprises can significantly impact Credit Acceptance's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
1994-04-20
1994-03-310.090.10.0111 
1994-01-25
1993-12-310.080.090.0112 
1993-07-20
1993-06-300.060.070.0116 
View All Earnings Estimates

Credit Acceptance Environmental, Social, and Governance (ESG) Scores

Credit Acceptance's ESG score is a quantitative measure that evaluates Credit Acceptance's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Credit Acceptance's operations that may have significant financial implications and affect Credit Acceptance's stock price as well as guide investors towards more socially responsible investments.

Credit Stock Institutional Investors

Shares
Smead Capital Management Inc2024-09-30
207.8 K
Dimensional Fund Advisors, Inc.2024-09-30
181.9 K
Alfreton Capital Llp2024-09-30
170 K
Rv Capital Gmbh2024-09-30
134.2 K
Morgan Stanley - Brokerage Accounts2024-06-30
120.2 K
Mig Capital, Llc2024-09-30
116.5 K
State Street Corp2024-06-30
112.4 K
Geode Capital Management, Llc2024-09-30
111.4 K
Charles Schwab Investment Management Inc2024-09-30
94.1 K
Prescott General Partners Llc2024-09-30
1.6 M
Prescott Investors Inc2024-09-30
1.6 M
Note, although Credit Acceptance's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Credit Market Capitalization

The company currently falls under 'Mid-Cap' category with a current market capitalization of 5.73 B.

Credit Profitablity

The company has Profit Margin (PM) of 0.22 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.42 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.42.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.04  0.06 
Return On Capital Employed 0.06  0.10 
Return On Assets 0.04  0.06 
Return On Equity 0.16  0.18 

Management Efficiency

Credit Acceptance has return on total asset (ROA) of 0.0236 % which means that it generated a profit of $0.0236 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1133 %, meaning that it created $0.1133 on every $100 dollars invested by stockholders. Credit Acceptance's management efficiency ratios could be used to measure how well Credit Acceptance manages its routine affairs as well as how well it operates its assets and liabilities. The current year's Return On Tangible Assets is expected to grow to 0.06. The current year's Return On Capital Employed is expected to grow to 0.1. At present, Credit Acceptance's Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 7.8 B, whereas Other Assets are forecasted to decline to about 313.7 M.
Last ReportedProjected for Next Year
Book Value Per Share 135.39  142.15 
Tangible Book Value Per Share 135.39  142.15 
Enterprise Value Over EBITDA 18.10  19.29 
Price Book Value Ratio 3.93  3.93 
Enterprise Value Multiple 18.10  19.29 
Price Fair Value 3.93  3.93 
Enterprise Value10.8 B11.3 B
Credit Acceptance showcases strong leadership that adapts to market changes and drives innovation. Our analysis explores how this adaptability affects the stock's investment appeal.
Operating Margin
0.4186
Profit Margin
0.2241
Beta
1.429
Return On Assets
0.0236
Return On Equity
0.1133

Technical Drivers

As of the 25th of November, Credit Acceptance shows the risk adjusted performance of 0.0201, and Mean Deviation of 1.41. Credit Acceptance technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.

Credit Acceptance Price Movement Analysis

The output start index for this execution was two with a total number of output elements of fifty-nine. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Credit Acceptance middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Credit Acceptance. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

Credit Acceptance Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Credit Acceptance insiders, such as employees or executives, is commonly permitted as long as it does not rely on Credit Acceptance's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Credit Acceptance insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Donald A. Foss Irrevocable Trust Dated August 14, 2022 over two weeks ago
Disposition of 425 shares by Donald A. Foss Irrevocable Trust Dated August 14, 2022 of Credit Acceptance at 488.35 subject to Rule 16b-3
 
Prescott General Partners Llc over two months ago
Acquisition by Prescott General Partners Llc of 1000 shares of Credit Acceptance at 445.24 subject to Rule 16b-3
 
Smith Thomas W over two months ago
Disposition of 1200 shares by Smith Thomas W of Credit Acceptance at 451.0067 subject to Rule 16b-3
 
Flanagan Glenda J over two months ago
Acquisition by Flanagan Glenda J of 442 shares of Credit Acceptance subject to Rule 16b-3
 
Erin Kerber over two months ago
Disposition of 4875 shares by Erin Kerber of Credit Acceptance at 333.94 subject to Rule 16b-3
 
Daniel Ulatowski over three months ago
Disposition of tradable shares by Daniel Ulatowski of Credit Acceptance at 480.0 subject to Rule 16b-3
 
Flanagan Glenda J over three months ago
Acquisition by Flanagan Glenda J of 300 shares of Credit Acceptance subject to Rule 16b-3
 
Donald A. Foss Irrevocable Trust Dated August 14, 2022 over six months ago
Disposition of 298 shares by Donald A. Foss Irrevocable Trust Dated August 14, 2022 of Credit Acceptance at 507.05 subject to Rule 16b-3
 
Andrew Rostami over six months ago
Disposition of 423 shares by Andrew Rostami of Credit Acceptance at 536.4 subject to Rule 16b-3
 
Jonathan Lum over six months ago
Acquisition by Jonathan Lum of 2500 shares of Credit Acceptance at 333.94 subject to Rule 16b-3
 
Arthur Smith over six months ago
Disposition of 1923 shares by Arthur Smith of Credit Acceptance at 555.26 subject to Rule 16b-3
 
Watson Jill Foss over six months ago
Sale by Watson Jill Foss of tradable shares of Credit Acceptance

Credit Acceptance Outstanding Bonds

Credit Acceptance issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Credit Acceptance uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Credit bonds can be classified according to their maturity, which is the date when Credit Acceptance has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Credit Acceptance Predictive Daily Indicators

Credit Acceptance intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Credit Acceptance stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Credit Acceptance Corporate Filings

F4
4th of November 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
30th of October 2024
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
28th of October 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
2nd of October 2024
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
24th of September 2024
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
20th of September 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
19th of September 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
11th of September 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify

Credit Acceptance Forecast Models

Credit Acceptance's time-series forecasting models are one of many Credit Acceptance's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Credit Acceptance's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Credit Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Credit Acceptance prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Credit shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Credit Acceptance. By using and applying Credit Stock analysis, traders can create a robust methodology for identifying Credit entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.19  0.38 
Operating Profit Margin 0.23  0.22 
Net Profit Margin 0.15  0.26 
Gross Profit Margin 0.68  0.56 

Current Credit Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Credit analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Credit analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
445.25Hold4Odds
Credit Acceptance current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Credit analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Credit stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Credit Acceptance, talking to its executives and customers, or listening to Credit conference calls.
Credit Analyst Advice Details

Credit Stock Analysis Indicators

Credit Acceptance stock analysis indicators help investors evaluate how Credit Acceptance stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Credit Acceptance shares will generate the highest return on investment. By understating and applying Credit Acceptance stock analysis, traders can identify Credit Acceptance position entry and exit signals to maximize returns.
Begin Period Cash Flow417.7 M
Long Term Debt5.1 B
Common Stock Shares Outstanding13 M
Total Stockholder Equity1.8 B
Tax Provision94.4 M
Quarterly Earnings Growth Y O Y0.169
Property Plant And Equipment Net46.5 M
Cash And Short Term Investments13.2 M
Cash13.2 M
Accounts Payable318.8 M
Net Debt5.1 B
50 Day M A451.6832
Total Current Liabilities473.9 M
Other Operating Expenses1.5 B
Non Current Assets Total7.6 B
Forward Price Earnings12.6422
Non Currrent Assets Other7.5 B
Stock Based Compensation39.1 M

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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.
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