Credit Acceptance CACC Ratios & Valuation
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Net margin | 19.5%+1.2pp | 18.3%-1.4pp | 19.7%+1.0pp | 18.7%+5.7pp | 13%+1.6pp | |
| EBITDA margin | 45.5%+1.0pp | 44.5%-1.7pp | 46.2%+1.4pp | 44.8%+7.4pp | 37.4%+2.4pp | |
| Free cash flow margin | 45.3%-0.2pp | 45.4%-1.9pp | 47.3%-1.5pp | 48.8%-3.9pp | 52.7%+0.1pp | |
| Returns | ||||||
| Return on equity | 28.1%+2.2pp | 25.9%-2.2pp | 28.1%+0.8pp | 27.3%+10.1pp | 17.2%+3.1pp | |
| Return on assets | 5.1%+0.2pp | 4.8%-0.4pp | 5.2%+0.2pp | 5%+1.7pp | 3.3%+0.3pp | |
| Efficiency | ||||||
| Asset turnover | 0.3×0.0× | 0.3×0.0× | 0.3×0.0× | 0.3×0.0× | 0.3×0.0× | |
| Leverage | ||||||
| Interest coverage | 2.3×+0.1× | 2.2×-0.1× | 2.3×+0.1× | 2.2×+0.4× | 1.9×+0.1× | |
| Per Share | ||||||
| Book value per share | $138.22+5.7% | $130.77-5.0% | $137.60+4.2% | $132.07-5.2% | $139.33-0.7% | |
| Valuation | ||||||
| Market capitalization | $4.55B-7.0% | $4.89B-6.8% | $5.25B-11.3% | $5.92B-4.8% | $6.21B+9.3% | |
| Price / earnings | 10×-1.5× | 11.5×0.0× | 11.6×-2.4× | 13.9×-7.5× | 21.4×-1.5× | |
| Price / sales | 2×-0.2× | 2.1×-0.2× | 2.3×-0.3× | 2.6×-0.2× | 2.8×+0.2× | |
| Price / book | 3×-0.2× | 3.2×-0.1× | 3.3×-0.5× | 3.8×+0.2× | 3.6×+0.4× | |
| Free cash flow yield | 23.1%+1.6pp | 21.5%+0.8pp | 20.8%+2.0pp | 18.7%-0.1pp | 18.9%-1.1pp | |
| Earnings yield | 10%+1.3pp | 8.7%0.0pp | 8.6%+1.5pp | 7.2%+2.5pp | 4.7%+0.3pp | |
| PEG ratio | 0.2×0.0× | 0.2×+0.1× | 0.1×0.0× | 0.1×-1.3× | 1.4×— |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- Where do Credit Acceptance's ratios come from?
- Every ratio is computed from Credit Acceptance's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.