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CREDIT ACCEPTANCE CORP CACC

Nasdaq · stock · Personal Credit Institutions · website · IPO 1992-06-05

CREDIT ACCEPTANCE CORP statistics & valuation

Market cap$6.6B
P / E15.5×
P / S2.8×
P / B4.3×
P / FCF6.2×
Net margin18.3%
Return on equity27.8%
FCF margin45.4%
Graham number -43.3%$327.18

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($327.18); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
34.30% 42.40% 44.60% 44.10% 25.20% 51.60% 29.20% 15.00% 11.50% 18.30% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
28.40% 30.60% 28.80% 27.90% 18.30% 52.50% 33.00% 16.30% 14.20% 27.80% 2016201720182019202020212022202320242025
Shares outstanding
20.4M 19.6M 19.5M 19.0M 17.9M 16.1M 13.6M 13.0M 12.5M 11.7M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
7.90% 9.40% 9.20% 8.80% 5.60% 13.60% 7.80% 3.80% 2.80% 4.90% 2016201720182019202020212022202320242025
Free cash flow margin (%)
51.80% 50.20% 52.80% 52.80% 58.50% 57.20% 67.40% 63.10% 52.50% 45.40% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$16.31 $24.04 $29.39 $34.57 $23.47 $59.52 $39.32 $21.99 $19.88 $36.38 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

CREDIT ACCEPTANCE CORP trades at about 15.9× earnings — above its 10-year norm (10-year range 9.1×–25.5×, median 13.7×).

9.1× 25.5×

Shaded band = 10-year range (9.1×–25.5×); dot = today's 15.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin18.3%11.5%15.0%29.2%51.6%25.2%44.1%44.6%42.4%34.3%
FCF margin45.4%52.5%63.1%67.4%57.2%58.5%52.8%52.8%50.2%51.8%
Return on assets4.9%2.8%3.8%7.8%13.6%5.6%8.8%9.2%9.4%7.9%
Return on equity27.8%14.2%16.3%33.0%52.5%18.3%27.9%28.8%30.6%28.4%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.