What does total debt mean?

Total debt represents the aggregate sum of all interest-bearing financial obligations, including short-term borrowings, the current portion of long-term debt, and long-term debt instruments. It also encompasses capitalized lease liabilities and other debt-like financing arrangements that require fixed repayment schedules. This metric serves as a comprehensive indicator of a company's total financial leverage and its reliance on external capital providers.

Credit Acceptance CACC Total debt

Discontinued — last reported Q3 '19

Total debt at other companies

Ally FinancialALLY

$22.76B+26.9%

Enova InternationalENVA

$4.86B+28.4%

Asbury Automotive GroupABG

$4.24B+21.4%

Penske Automotive GroupPAG

$5.19B+22.5%

CarvanaCVNA

——

Affirm Holdings, Inc.AFRM

——

Other financials

Income statement

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Revenue$580.0M+1.6%

Net income$135.8M+27.8%

EPS (diluted)$12.40+43.2%

Balance sheet

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Cash & equivalents$551.4M-50.8%

Total equity$1.5B-11.5%

Total assets$8.7B-6.1%

Cash flow

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Operating cash flow$346.8M+0.2%

CapEx$1.3M+333%

Free cash flow$345.5M-0.1%

Valuation

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Market cap$6.06B-26.7%

Profitability

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Net margin19.5%+6.5pp

FCF margin45.3%-7.4pp

Returns & leverage

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Return on equity28.1%+10.9pp

Debt / equity0×—

Where this comes from

Calculated from Credit Acceptance’s reported figures.

$3.2Mfinance lease liabilities=$3.2M

The official record: Credit Acceptance’s 10-Q, filed November 1, 2019, on SEC EDGAR. View the filing →

Questions, answered.

What does total debt mean?: Total debt represents the aggregate sum of all interest-bearing financial obligations, including short-term borrowings, the current portion of long-term debt, and long-term debt instruments. It also encompasses capitalized lease liabilities and other debt-like financing arrangements that require fixed repayment schedules. This metric serves as a comprehensive indicator of a company's total financial leverage and its reliance on external capital providers.