Credit Acceptance (CACC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Credit Acceptance

NasdaqGS•Financial Services•Credit Services

$578.29-12.12(-0.02%)Market closed

Market Cap

$6.19B

P/E

12.3x

P/S

2.7x

P/B

3.9x

Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.

How this company scores

GoodMetricSide Score: 67/100

Strongest: Cash & Earnings Quality (23/25); weakest: Balance Sheet & Red Flags (3/25).

Profitability22/25

Growth19/25

Balance Sheet & Red Flags3/25

Cash & Earnings Quality23/25

Strengths

Strong marginsHigh ROERising earningsCash-backed earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.3x5y range 8.0x – 34.8x

Currently near its 20-quarter median.

P/S · 2.7x5y range 1.9x – 5.3x

Currently near its 20-quarter median.

P/B · 3.9x5y range 3.0x – 5.4x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Leverage Risk

Red Flag

D/E ratio is 3.8 — heavily leveraged and vulnerable to rising rates or cash flow dips.

Price & Volume

Market Cap $6.19B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $2.33B
Q. Revenue: $587.40M
TTM EBITDA: $636.10M
TTM Op. Income: $598.30M
Q. Op. Income: $152.00M
TTM Net Income: $501.90M
Q. Net Income: $135.90M
EPS: $12.97
Shares Out.: $10.48M

$2.33B in TTM revenue grew 2.6% YoY, reaching $587.40M last quarter. TTM EBITDA of $636.10M and TTM operating income of $598.30M show growth is flowing through to the bottom line. TTM net income of $501.90M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 26.8%
Op. Margin: 25.9%
Net Margin: 23.1%

Op. margin of 25.9% is up 9.0% YoY — cost efficiency is improving. Net margin at 23.1% Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.3x
P/S Ratio: 2.7x
P/B Ratio: 3.9x

At 12.3x P/E, the stock trades below typical market levels. P/S of 2.7x and P/B of 3.9x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 11% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $8.62B
Cash: $1.40M
Long-Term Debt: $6.11B
Book Value: $1.59B
D/E Ratio: 3.8
Debt/EBITDA: 38.8

With $8.62B in assets and $6.11B in long-term debt, D/E is 3.8and book value is $1.59B — elevated leverage, meaning significant financial risk in a downturn. Across the last 8 quarters, debt/equity has fallen for 2 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $309.50M
TTM Free Cash Flow: $1.22B
FCF Margin: 52.4%
FCF / Net Income: 2.4

TTM FCF of $1.22B on $309.50M in operating cash flow. The FCF / Net Income ratio of 2.4x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 10% — an improving trend.