CACC:NSD-Credit Acceptance Corporation (USD)

COMMON STOCK | Credit Services | NSD

Last Closing Price

USD 355.33

Change

+11.50 (+3.34)%

Market Cap

USD 6.07B

Volume

0.12M

Average Target Price

USD 361.33 (+1.69%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

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

Company Website : http://www.creditacceptance.com

Address : 25505 West Twelve Mile Road, Southfield, MI, United States, 48034-8339

Employees : 2,016

Fiscal Year End : December

Currency: USD

Country : USA

Technical Indicators

Beta : 1.21

52 Week High : 539.00

Short Ratio : 19.12

52 Week Low : 199.00

Shorted Shares : 2,357,817

200 Day Moving Average : 372.37

Shorted Shares Previous Month : 2,418,686

50 Day Moving Average : 331.99

Shares Held By Insiders : 298.12%

Short Percentage : 13.00%

Shares Held by Institutions : 72.53%

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-01-14 )

Largest Industry Peers for Credit Services

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
PYPL PayPal Holdings, Inc

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ORCC Owl Rock Capital Corporation

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SLMBP SLM Corporation

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FCFS FirstCash, Inc

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 USD2.45B 19.43 13.52
NAVI Navient Corporation

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QFIN 360 DigiTech, Inc

+0.83 (+6.46%)

 USD1.89B 4.94 N/A
PRAA PRA Group, Inc

+0.38 (+1.06%)

 USD1.64B 11.23 12.82
LX LexinFintech Holdings Ltd

+0.29 (+4.63%)

 USD1.13B 6.76 3.85
WRLD World Acceptance Corporation

+3.97 (+2.81%)

 USD0.97B 21.91 N/A

ETFs Containing CACC

Symbol Name Weight Mer Price(Change) Market Cap
FHF:CA First Trust AlphaDEX U.S... 0.00 % 0.70 %

N/A

 USD4.42M
PSM Principal U.S. Small-MidC.. 0.00 % 0.20 %

N/A

 USD0.01B

Market Performance

  Market Performance vs.
Industry/Classification (Credit Services)		 Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 2.65% 39% F 35% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 2.65% 39% F 35% F
Trailing 12 Months  
Capital Gain -20.66% 31% F 17% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -20.66% 31% F 16% F
Trailing 5 Years  
Capital Gain 98.57% 79% C+ 67% D+
Dividend Return N/A N/A N/A N/A N/A
Total Return 98.57% 79% C+ 65% D
Average Annual (5 Year Horizon)  
Capital Gain 22.02% 86% B 78% C+
Dividend Return N/A N/A N/A N/A N/A
Total Return 22.02% 86% B 77% C+
Risk Return Profile  
Volatility (Standard Deviation) 30.73% 54% F 47% F
Risk Adjusted Return 71.67% 96% A 84% B
Market Capitalization 6.07B 97% A+ 87% B+
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Credit Services)		 Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 15.05 48% F 61% D-
Price/Book Ratio 2.58 30% F 52% F
Price / Cash Flow Ratio 7.47 24% F 44% F
EV/EBITDA 18.26 25% F 46% F
Management Effectiveness  
Return on Equity 17.76% 77% C+ 89% B+
Return on Invested Capital 13.44% 86% B 85% B
Return on Assets 5.75% 86% B 87% B+
Debt to Equity Ratio 192.71% 20% F 10% F
Technical Ratios  
Short Ratio 19.12 7% F 1% F
Short Percent 29.06% 9% F 7% F
Beta 1.21 48% F 48% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

What to not like:
Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Higly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Overpriced on free cash flow basis

The stock is trading high compared to its peers on a price to free cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.