Credit Acceptance CACC Ratios & Valuation
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| Profitability | |||||
| Net margin | 18.3%+6.8pp | 11.5%-3.6pp | 15%-14.2pp | 29.2%-22.4pp | |
| EBITDA margin | 44.5%+9.6pp | 34.9%+1.1pp | 33.8%-14.6pp | 48.4%-28.9pp | |
| Free cash flow margin | 45.4%-7.1pp | 52.5%-10.5pp | 63.1%-4.3pp | 67.4%+10.2pp | |
| Returns | |||||
| Return on equity | 25.9%+11.7pp | 14.2%-2.8pp | 16.9%-14.1pp | 31.1%-15.4pp | |
| Return on assets | 4.8%+1.8pp | 3%-0.9pp | 3.9%-3.7pp | 7.7%-5.5pp | |
| Efficiency | |||||
| Asset turnover | 0.3×0.0× | 0.3×0.0× | 0.3×0.0× | 0.3×0.0× | |
| Leverage | |||||
| Interest coverage | 2.2×+0.4× | 1.8×-0.6× | 2.4×-2.9× | 5.3×-3.4× | |
| Per Share | |||||
| Book value per share | $130.77-6.8% | $140.31+4.1% | $134.79+13.1% | $119.19+5.2% | |
| Valuation | |||||
| Market capitalization | $4.89B-14.0% | $5.69B-16.5% | $6.81B+8.1% | $6.3B-35.8% | |
| Price / earnings | 11.5×-11.4× | 22.9×-0.9× | 23.8×+12.0× | 11.8×+1.5× | |
| Price / sales | 2.1×-0.5× | 2.6×-0.9× | 3.6×+0.1× | 3.4×-1.9× | |
| Price / book | 3.2×0.0× | 3.3×-0.6× | 3.9×0.0× | 3.9×-1.5× | |
| Free cash flow yield | 21.5%+1.5pp | 20%+2.4pp | 17.6%-2.0pp | 19.6%+8.8pp | |
| Earnings yield | 8.7%+4.3pp | 4.4%+0.2pp | 4.2%-4.3pp | 8.5%-1.3pp | |
| PEG ratio | 0.2×— | —— | —— | —— |
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.