CACCNasdaqPersonal Credit InstitutionsFiscal year ends December 31
CREDIT ACCEPTANCE CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 4, 2026
$534.20−6.78 (-1.25%)
Close on Oct 19, 2026
- Market cap
- $5.73B
- P/E (TTM)
- 11.7
- Dividend yield
- –
Credit Acceptance statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Personal Credit Institutions companies for comparison
Valuation
| Measure | Credit Acceptance | Industry median |
|---|---|---|
| Market Cap | $5.55B | $199.16M |
| Enterprise Value | $5.54B | $160.19M |
| PE Ratio | 11.74 | 11.74 |
| PS Ratio | 2.38 | 2.66 |
| PB Ratio | 3.49 | 1.17 |
| P/TBV Ratio | 3.49 | 1.40 |
| P/FCF Ratio | 4.54 | 12.30 |
| P/OCF Ratio | 4.53 | 5.61 |
Enterprise value
| Measure | Credit Acceptance | Industry median |
|---|---|---|
| EV / Sales | 2.38 | 2.72 |
| EV / FCF | 4.54 | 11.30 |
Income (trailing twelve months)
| Measure | Credit Acceptance | Industry median |
|---|---|---|
| Revenue | $2.33B | $61.19M |
| Pretax Income | $649.50M | -$4.81M |
| Net Income | $501.90M | -$5.16M |
| EPS (Diluted) | $45.49 | -$0.03 |
Margins
| Measure | Credit Acceptance | Industry median |
|---|---|---|
| Pretax Margin | 27.9% | -25.1% |
| Profit Margin | 21.5% | -21.0% |
| FCF Margin | 52.4% | -22.8% |
Returns
| Measure | Credit Acceptance | Industry median |
|---|---|---|
| Return on Equity (ROE) | 31.9% | -22.5% |
| Return on Assets (ROA) | 5.79% | -11.8% |
Growth
| Measure | Credit Acceptance | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 2.58% | 19.7% |
| Net Income Growth (YoY) | 18.3% | -51.5% |
| EPS Growth (YoY) | 31.2% | 4.95% |
| FCF Growth (YoY) | 10.2% | 18.7% |
| Revenue Growth (3Y CAGR) | 8.14% | 5.53% |
| Revenue Growth (5Y CAGR) | 6.78% | 10.1% |
| EPS Growth (3Y CAGR) | -2.56% | 5.11% |
| EPS Growth (5Y CAGR) | 9.16% | 8.99% |
Balance sheet
| Measure | Credit Acceptance | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $1.40M | $20.81M |
| Net Cash (Debt) | $1.40M | $7.60M |
| Net Cash Per Share | $0.13 | $0.22 |
| Equity (Book Value) | $1.59B | $165.65M |
| Book Value Per Share | $153.06 | $3.80 |
| Tangible Book Value | $1.59B | $127.24M |
Cash flow (trailing twelve months)
| Measure | Credit Acceptance | Industry median |
|---|---|---|
| Operating Cash Flow | $1.23B | -$5.36M |
| Capital Expenditures | -$3.90M | -$5.04M |
| Free Cash Flow | $1.22B | -$15.68M |
| FCF Per Share | $117.63 | -$0.26 |
Efficiency
| Measure | Credit Acceptance | Industry median |
|---|---|---|
| Asset Turnover | 0.27 | 0.16 |
| Revenue Per Employee | $1.01M | $705.30K |
| Profits Per Employee | $216.90K | -$252.56K |
| Employee Count | 2,314 | 48 |
Dividends and yields
| Measure | Credit Acceptance | Industry median |
|---|---|---|
| Earnings Yield | 9.05% | -10.6% |
| FCF Yield | 22.0% | -13.8% |
| Buyback Yield | 9.23% | 0.12% |
| Shareholder Yield | 9.23% | 0.14% |
Shares
| Measure | Credit Acceptance | Industry median |
|---|---|---|
| Shares Outstanding | 10,380,600 | 56,031,200 |
| Shares Change (YoY) | -9.44% | 12.9% |
| Shares Change (QoQ) | -0.45% | 0.24% |
| Float | 4,779,970 | 43,350,400 |
| Shares Held by Insiders | 54.0% | 18.5% |
| Shares Held by Institutions | 73.2% | 34.2% |
Taxes
| Measure | Credit Acceptance | Industry median |
|---|---|---|
| Income Tax | $147.60M | $82.74K |
| Effective Tax Rate | 22.7% | 22.6% |
Scores
| Measure | Credit Acceptance | Industry median |
|---|---|---|
| Graham Number | $395.81 | $33.10 |
| Graham Upside | -25.9% | 11.8% |
| Altman Z-Score | 0.92 | 0.30 |
| Piotroski F-Score | 6 | 4 |
Calculated by StockData from Credit Acceptance's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.