Credit Acceptance CACC Ratios & Valuation
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Net margin | 19.5%+6.5pp | 18.3%+6.8pp | 19.7%+10.6pp | 18.7%+9.7pp | 13%+0.2pp | |
| EBITDA margin | 45.5%+8.1pp | 44.5%+9.6pp | 46.2%+15.2pp | 44.8%+15.1pp | 37.4%+4.6pp | |
| Free cash flow margin | 45.3%-7.4pp | 45.4%-7.1pp | 47.3%-7.3pp | 48.8%-7.6pp | 52.7%-9.4pp | |
| Returns | ||||||
| Return on equity | 28.1%+10.9pp | 25.9%+11.7pp | 28.1%+16.8pp | 27.3%+16.3pp | 17.2%+2.4pp | |
| Return on assets | 5.1%+1.7pp | 4.8%+1.8pp | 5.2%+2.9pp | 5%+2.6pp | 3.3%+0.1pp | |
| 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×+0.4× | 2.2×+0.4× | 2.3×+0.6× | 2.2×+0.5× | 1.9×-0.2× | |
| Per Share | ||||||
| Book value per share | $138.22-0.8% | $130.77-6.8% | $137.60+3.8% | $132.07+4.3% | $139.33+6.6% | |
| Valuation | ||||||
| Market capitalization | $4.55B-26.7% | $4.89B-14.0% | $5.25B-3.7% | $5.92B-7.9% | $6.21B-11.8% | |
| Price / earnings | 10×-11.4× | 11.5×-11.4× | 11.6×-17.2× | 13.9×-21.4× | 21.4×-6.7× | |
| Price / sales | 2×-0.8× | 2.1×-0.5× | 2.3×-0.3× | 2.6×-0.6× | 2.8×-0.8× | |
| Price / book | 3×-0.6× | 3.2×0.0× | 3.3×0.0× | 3.8×-0.3× | 3.6×-0.6× | |
| Free cash flow yield | 23.1%+4.3pp | 21.5%+1.5pp | 20.8%-0.2pp | 18.7%+1.0pp | 18.9%+1.6pp | |
| Earnings yield | 10%+5.3pp | 8.7%+4.3pp | 8.6%+5.2pp | 7.2%+4.3pp | 4.7%+1.1pp | |
| PEG ratio | 0.2×-1.2× | 0.2×— | 0.1×— | 0.1×— | 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.