Credit Acceptance Corporation (CACC) Key Metrics
CACC valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $5.62B
- Enterprise value
- $12.04B
- P/E (TTM)
- 11.9 10-yr median 13.2
- Forward P/E
- 10.3
- PEG ratio
- 1.15
- Price / sales
- 4.3 10-yr median 4.3
- Price / book
- 3.6 10-yr median 3.8
- EV / EBITDA
- 16.4 10-yr median 15.1
- Dividend yield
- —
- Beta
- 1.40
CACC key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsCACC valuation Price multiples at each fiscal year-end price.
CACC returns How much profit the business earns on the capital it uses.
CACC per-share figures Results divided by the shares outstanding at year-end.
CACC financial health Debt, liquidity and how easily interest is covered.
CACC efficiency & capital use Working capital cycle and where the cash goes.
CACC valuation history
CACC returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
CACC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
CACC cash returned to shareholders
CACC price vs earnings per share
CACC key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $5.01B | $5.85B | $6.93B | $6.46B | $11.07B | $6.21B | $8.39B | $7.46B | $6.33B | $4.44B |
| Enterprise value | $10.85B | $11.35B | $11.52B | $12.52B | $15.67B | $10.90B | $12.76B | $11.25B | $9.39B | $7.78B |
| P/E ratio | 11.8 | 23.6 | 24.2 | 12.1 | 11.6 | 14.7 | 12.8 | 13.0 | 13.5 | 13.3 |
| Price / sales | 2.2 | 2.7 | 3.6 | 3.5 | 6.0 | 3.7 | 5.7 | 6.1 | 6.0 | 4.8 |
| Price / book | 3.3 | 3.3 | 4.0 | 4.0 | 6.1 | 2.7 | 3.6 | 3.7 | 4.1 | 3.8 |
| Price / free cash flow | 4.8 | 5.2 | 5.8 | 5.2 | 10.4 | 6.4 | 10.7 | 11.0 | 11.3 | 8.8 |
| Price / operating cash flow | 4.7 | 5.1 | 5.8 | 5.2 | 10.4 | 6.3 | 10.3 | 10.6 | 11.2 | 8.8 |
| EV / sales | 4.7 | 5.3 | 6.1 | 6.9 | 8.5 | 6.5 | 8.6 | 9.2 | 8.9 | 8.5 |
| EV / EBITDA | 10.3 | 32.2 | 31.3 | 17.2 | 12.2 | 18.9 | 14.7 | 14.5 | 15.6 | 14.2 |
| EV / free cash flow | 10.3 | 10.0 | 9.6 | 10.1 | 14.8 | 11.2 | 16.2 | 16.6 | 16.8 | 15.5 |
| Earnings yield | 8.5% | 4.2% | 4.1% | 8.3% | 8.7% | 6.8% | 7.8% | 7.7% | 7.4% | 7.5% |
| Free cash flow yield | 21.0% | 19.4% | 17.3% | 19.1% | 9.6% | 15.7% | 9.4% | 9.1% | 8.8% | 11.3% |
| Dividend yield | — | — | 0.1% | 0.2% | 0.1% | — | — | — | 0.0% | 0.0% |
| Shareholder yield (dividends + buybacks) | 14.5% | 5.4% | 3.0% | 12.4% | 13.4% | 7.7% | 3.6% | 1.7% | 2.0% | 2.7% |
| Share price at fiscal year-end | $443.46 | $469.46 | $532.73 | $474.40 | $687.68 | $346.14 | $442.33 | $381.76 | $323.48 | $217.51 |
| Per share | ||||||||||
| Revenue per share | $205.28 | $171.17 | $146.18 | $133.80 | $114.96 | $92.84 | $77.96 | $62.63 | $53.82 | $44.94 |
| Earnings per share | $37.55 | $19.88 | $21.99 | $39.32 | $59.52 | $23.47 | $34.57 | $29.39 | $24.04 | $16.31 |
| Operating cash flow per share | $93.42 | $91.26 | $92.52 | $90.91 | $66.42 | $54.93 | $42.81 | $36.04 | $28.94 | $24.85 |
| Free cash flow per share | $93.28 | $91.11 | $92.22 | $90.69 | $65.95 | $54.46 | $41.39 | $34.75 | $28.51 | $24.58 |
| Cash per share | $45.21 | $68.53 | $36.72 | $0.57 | $1.45 | $0.89 | $9.88 | $1.32 | $0.42 | $0.72 |
| Book value per share | $134.97 | $140.32 | $134.79 | $119.19 | $113.30 | $128.37 | $124.12 | $101.93 | $78.52 | $57.51 |
| Tangible book value per share | $134.97 | $140.32 | $134.79 | $119.19 | $113.30 | $128.37 | $124.12 | $101.93 | $78.52 | $57.51 |
| Dividends per share | — | — | $0.40 | $1.11 | $0.73 | — | — | — | $0.00 | $0.00 |
| Capex per share | $0.14 | $0.14 | $0.31 | $0.23 | $0.47 | $0.47 | $1.41 | $1.29 | $0.43 | $0.27 |
| Debt per share | $562.88 | $509.50 | $389.49 | $445.33 | $286.88 | $262.30 | $239.77 | $195.62 | $157.00 | $164.30 |
| Shares outstanding | 11.3M | 12.5M | 13.0M | 13.6M | 16.1M | 17.9M | 19.0M | 19.5M | 19.6M | 20.4M |
| Change in shares outstanding | −9.5% | −4.2% | −4.5% | −15.4% | −10.2% | −5.5% | −2.8% | −0.1% | −4.2% | −2.7% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 25.9% | 14.2% | 16.9% | 31.1% | 46.4% | 18.1% | 30.2% | 32.6% | 34.7% | 31.7% |
| Return on invested capital (ROIC) | 11.3% | 3.6% | 4.1% | 7.5% | 14.2% | 6.0% | 10.4% | 11.1% | 10.3% | 8.9% |
| Return on assets (ROA) | 4.4% | 2.7% | 3.7% | 7.7% | 13.2% | 5.6% | 9.6% | 10.2% | 10.2% | 8.7% |
| Return on tangible assets | 4.4% | 2.5% | 3.4% | 7.8% | 13.6% | 5.6% | 8.8% | 9.2% | 9.4% | 7.9% |
| Free cash flow margin | 45.4% | 53.2% | 63.1% | 67.8% | 57.4% | 58.7% | 53.1% | 55.5% | 53.0% | 54.7% |
| Income quality (OCF / net income) | 2.49 | 4.59 | 4.21 | 2.31 | 1.12 | 2.34 | 1.24 | 1.23 | 1.20 | 1.52 |
| Financial health | ||||||||||
| Total debt | $6.35B | $6.35B | $5.07B | $6.07B | $4.62B | $4.70B | $4.55B | $3.82B | $3.07B | $3.35B |
| Cash & short-term investments | $510.3M | $854.5M | $477.8M | $7.7M | $23.3M | $16.0M | $187.4M | $25.7M | $8.2M | $14.6M |
| Net debt | $5.84B | $5.50B | $4.59B | $6.06B | $4.60B | $4.69B | $4.36B | $3.80B | $3.06B | $3.34B |
| Debt / equity | 4.17 | 3.63 | 2.89 | 3.74 | 2.53 | 2.04 | 1.93 | 1.92 | 2.00 | 2.86 |
| Debt / assets | 0.66 | 0.65 | 0.60 | 0.88 | 0.66 | 0.63 | 0.61 | 0.61 | 0.62 | 0.79 |
| Net debt / EBITDA | 5.54 | 15.58 | 12.49 | 8.33 | 3.58 | 8.13 | 5.01 | 4.90 | 5.10 | 6.11 |
| Current ratio | 0.26 | 20.11 | 0.03 | 25.81 | 39.28 | 39.23 | 35.47 | 32.61 | 25.74 | 24.92 |
| Quick ratio | 0.26 | 20.11 | −2.33 | 25.81 | 33.47 | 33.93 | 30.76 | 31.99 | 22.76 | 21.85 |
| Interest coverage | 2.4 | — | 1.4 | 27.4 | 7.6 | 2.8 | 4.3 | 4.8 | 4.9 | 5.4 |
| Working capital | −$1.61B | $8.28B | −$386.6M | $6.53B | $6.71B | $7.15B | $7.12B | $5.97B | $4.74B | $4.01B |
| Invested capital | $7.37B | $7.25B | $6.34B | $7.68B | $6.42B | $6.99B | $6.72B | $5.79B | $4.60B | $4.51B |
| Tangible asset value | $1.52B | $1.75B | $1.75B | $1.62B | $1.82B | $2.30B | $2.36B | $1.99B | $1.54B | $1.17B |
| Net current asset value | −$7.50B | $717.4M | −$6.63B | $1.52B | $1.66B | $2.15B | $2.26B | $1.91B | $1.48B | $1.13B |
| Graham number | $337.70 | $250.53 | $258.24 | $324.75 | $389.53 | $260.38 | $310.73 | $259.61 | $206.09 | $145.25 |
| Graham net-net per share | −$665.67 | −$572.13 | −$437.01 | −$39.87 | $8.72 | $29.33 | $35.30 | $8.47 | $15.84 | $7.03 |
| Capital allocation | ||||||||||
| Dividends paid | — | — | $5.2M | $15.1M | $11.8M | — | — | — | $0 | $0 |
| Share buybacks (net) | $725.4M | $313.3M | $202.6M | $784.5M | $1.47B | $480.8M | $300.4M | $129.1M | $123.5M | $121.7M |
| Dividend payout ratio | — | — | 1.8% | 2.8% | 1.2% | — | — | — | 0.0% | 0.0% |
| Dividends + buybacks / free cash flow | 68.9% | 27.6% | 17.3% | 64.7% | 139.7% | 49.2% | 38.2% | 19.0% | 22.1% | 24.3% |
| Capex / revenue | 0.1% | 0.1% | 0.2% | 0.2% | 0.4% | 0.5% | 1.8% | 2.1% | 0.8% | 0.6% |
| Capex / operating cash flow | 0.2% | 0.2% | 0.3% | 0.3% | 0.7% | 0.9% | 3.3% | 3.6% | 1.5% | 1.1% |
| Capex / depreciation | 0.06 | 0.06 | 0.15 | 0.12 | 0.29 | 0.36 | 1.20 | 1.29 | 0.51 | 0.36 |
| Stock-based compensation / revenue | 2.2% | 2.1% | 2.1% | 2.0% | 1.3% | 0.4% | 0.5% | 0.8% | 1.5% | 0.8% |
| R&D / revenue | — | — | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| SG&A / revenue | 7.8% | 9.0% | 9.4% | 9.0% | 8.9% | 8.4% | 9.1% | 4.6% | 10.8% | 10.6% |
| Efficiency | ||||||||||
| Days sales outstanding | 5.6 | 0.7 | 605.6 | 1,276.6 | 1,319.3 | 1,500.0 | 1,544.8 | 1,550.4 | 1,475.6 | 1,392.8 |
| Days of inventory on hand | — | — | 592.6 | — | 871.1 | 860.8 | 473.6 | 357.1 | 698.7 | 442.9 |
| Days payables outstanding | 4,505.9 | 144.4 | 181.4 | 167.4 | 156.8 | 172.3 | 170.8 | 176.1 | 190.6 | 198.2 |
| Cash conversion cycle (days) | -4,500.2 | -143.6 | 1,016.8 | 1,109.2 | 2,033.6 | 2,188.5 | 1,847.6 | 1,731.4 | 1,983.6 | 1,637.5 |
| Receivables turnover | 64.91 | 502.19 | 0.60 | 0.29 | 0.28 | 0.24 | 0.24 | 0.24 | 0.25 | 0.26 |
| Payables turnover | 0.08 | 2.53 | 2.01 | 2.18 | 2.33 | 2.12 | 2.14 | 2.07 | 1.91 | 1.84 |
| Inventory turnover | — | — | 0.62 | — | 0.42 | 0.42 | 0.77 | 1.02 | 0.52 | 0.82 |
| Asset turnover | 0.24 | 0.24 | 0.25 | 0.26 | 0.25 | 0.22 | 0.22 | 0.22 | 0.23 | 0.24 |
| Average receivables | $35.7M | $4.2M | $3.16B | $6.38B | $6.69B | $6.84B | $6.26B | $5.20B | $4.26B | $3.50B |
| Average payables | $358.0M | $317.3M | $289.8M | $217.9M | $180.8M | $196.6M | $196.4M | $169.1M | $147.8M | $135.8M |
| Average inventory | — | — | $946.6M | — | $1.00B | $982.0M | $544.5M | $342.9M | $541.7M | $303.6M |
| Intangibles / total assets | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Computed from CACC's annual financial statements (latest annual report filed February 13, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
CACC valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Credit Acceptance traded at 11.8 times earnings, against a 10-year median of 13.2. Based on the latest twelve months, the trailing P/E is 11.9 and the forward P/E is 10.3. Credit Acceptance earned a return on equity of 25.9% and a return on invested capital of 11.3% in fiscal 2025. It ended the year with $6.4 billion of debt and $510.3 million in cash and short-term investments, net debt of $5.8 billion. It returned $725.4 million to shareholders: $0 in dividends and $725.4 million in share buybacks, 69% of free cash flow. The share count fell 44.7% from 20.4M to 11.3M over 9 years.
See the CACC income statement, the CACC chart for price history, or the CACC stock overview for the latest quote and news.
CACC key metrics FAQ
What is Credit Acceptance's P/E ratio?
Credit Acceptance's trailing P/E ratio is 11.9 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 10.3. At the end of fiscal 2025 it was 11.8, compared with a 10-year median of 13.2.
What is Credit Acceptance's EV/EBITDA?
Credit Acceptance's enterprise value was 10.3 times EBITDA at the end of fiscal 2025 (enterprise value $10.8 billion, EBITDA $1.1 billion); the current EV/EBITDA is 16.4.
What is Credit Acceptance's return on equity?
Credit Acceptance's return on equity (ROE) was 25.9% in fiscal 2025: net income of $423.9 million on average shareholders' equity of $1.6 billion.
What is Credit Acceptance's ROIC?
Credit Acceptance's return on invested capital was 11.3% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Credit Acceptance have?
Credit Acceptance had total debt of $6.4 billion at the end of fiscal 2025, a debt-to-equity ratio of 4.17 and $5.8 billion of net debt (5.54 times EBITDA).
Does Credit Acceptance buy back its shares?
Yes. Credit Acceptance spent $725.4 million on net share repurchases in fiscal 2025 Shares outstanding changed −9.5% over the year, to 11.3M..
What is Credit Acceptance's free cash flow yield?
Credit Acceptance generated $1.1 billion of free cash flow in fiscal 2025, a free cash flow yield of 21.0% on its market value at year-end ($5.0 billion).
What is Credit Acceptance's current ratio?
Credit Acceptance's current ratio was 0.26 at the end of fiscal 2025: current assets were 0.26 times current liabilities.