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Home CompaniesCredit Acceptance Corporation

Credit Acceptance Corporation

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
529.56 USD 6.98 ( 1.34%)
Last update at 2026-11-06T21:00:00Z
VOLUME
149743
Market Cap
5749.97M
P/E
14.33

Momentum Score

…

Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
508.37
Low
533.44
High
52 Week Price Range
401.90
Low
549.75
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Credit Acceptance Corporation buys and services retail installment contracts originated by independent auto dealers, specializing in higher-risk subprime borrowers. Its long-term growth may be supported by expansion of dealer relationships, data-driven underwriting and diversified securitized funding, and investors may find it attractive for potential higher yields and recurring dealer-related fee income.

Material risks include elevated credit and collection risk tied to subprime borrowers that could increase in a downturn, reliance on access to securitization and wholesale funding markets, and regulatory or litigation exposure related to lending and dealer practices.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
522.58
Dividend Yield
-
Revenue TTM
1238.20M
Revenue Per Share
108.12
Gross Profit TTM
1166.50M
Debt / Equity
4.17
ROE
25.90%
Net Debt
5853.20M
ROCE
13.87%
Diluted EPS TTM
36.38

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 565.40M 329.50M 367.60M 711.70M 1260.90M
Net income 423.90M 247.90M 286.10M 535.80M 958.30M
Selling general administrative 180.20M 97.90M 87.20M 88.70M 100.30M
Selling and marketing expenses - 94.40M 91.70M 75.60M 65.30M
Gross profit 2288.20M 1332.10M 1901.90M 709.40M 1381.80M
Reconciled depreciation 26.60M 27.80M 26.20M 25.60M 26.30M
Ebit 1028.30M 325.10M 367.60M 686.10M 1234.60M
Ebitda 1057.30M 352.90M 367.60M 711.70M 1260.90M
Depreciation and amortization 29.00M 27.80M 26.60M 25.60M 26.30M
Operating income 1103.70M 325.10M 367.60M 686.10M 1234.60M
Other operating expenses 1213.50M 1809.20M 1534.30M 1037.30M 542.00M
Interest expense 462.90M - 264.50M -25.60M 26.30M
Tax provision 141.50M 81.60M 94.40M 175.90M 302.60M
Interest income 27.50M 26.20M 18.00M 6.60M 1.20M
Net interest income 27.50M 26.20M 18.00M 6.60M 1.20M
Income tax expense 141.50M 81.60M 81.50M 175.90M 302.60M
Total revenue 2317.20M 2134.30M 1901.90M 1184.40M 1802.90M
Total operating expenses 1184.50M 1007.00M 459.10M 608.70M 159.70M
Cost of revenue 29.00M 802.20M 583.00M 475.00M 421.10M
Total other income expense net -538.30M 4.40M -12.80M 25.60M 26.30M
Net income from continuing ops 423.90M 247.90M 319.80M 535.80M 958.30M
Net income applicable to common shares - - - 535.80M 958.30M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 9598.50M 9741.10M 7610.20M 6904.70M 7050.90M
Other current assets 7948.20M -858.70M -482.10M 482.30M 473.00M
Total liab 8074.90M 7991.50M 5856.50M 5280.70M 5226.70M
Total stockholder equity 1523.60M 1749.60M 1753.70M 1624.00M 1824.20M
Deferred long term liab - - - 426.70M 435.20M
Other current liab 400.20M -87.30M -60.70M -432.70M -2.40M
Common stock 0.10M 0.10M 0.10M 0.10M 0.10M
Capital stock 0.10M 0.10M 0.10M 0.10M 0.10M
Retained earnings 1119.20M 1414.70M 1475.60M 1381.10M 1626.70M
Other liab - - - 426.70M 435.20M
Other assets 103.00M 9741.10M - 466.90M 462.70M
Cash 500.70M 845.00M 13.20M 7.70M 23.30M
Total current liabilities 2183.50M 433.00M 399.80M 263.30M 175.20M
Current deferred revenue - - 67.60M 435.20M -
Net debt 5853.20M 5507.90M 5054.30M 4583.00M 4593.00M
Short term debt 2183.50M 87.30M 74.10M 30.90M 2.60M
Short long term debt - - - - 2.60M
Short long term debt total 6353.90M 6352.90M 5067.50M 4590.70M 4616.30M
Other stockholder equity 403.30M 335.10M 279.00M 245.70M 197.20M
Property plant equipment - - - 51.40M 57.30M
Total current assets 577.50M 8708.90M 7437.30M 6796.40M 6941.80M
Long term investments - - - 6297.70M 6336.30M
Net tangible assets - - - 1624.00M 1824.20M
Short term investments 9.60M 9.50M 6.90M 72.30M 62.10M
Net receivables 67.20M 4.20M 6959.60M 6306.40M 6445.50M
Long term debt 6353.90M 6352.90M 5067.50M 4590.70M 4613.70M
Inventory - - 946.60M - -
Accounts payable 400.20M 315.80M 318.80M 260.80M 175.00M
Accumulated other comprehensive income 1.00M -0.30M -1.00M -2.90M 0.20M
Common stock total equity - - - 0.10M 0.10M
Retained earnings total equity - - - 1381.10M 1626.70M
Non currrent assets other 35.80M -901.20M 126.40M -369.80M -383.40M
Non current assets total 9021.00M 145.70M 172.90M 108.30M 109.10M
Long term debt total - - - 4559.80M 4613.70M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 12.20M -1721.10M -1193.40M -226.70M 642.40M
Change to liabilities - - - 70.20M -10.70M
Total cashflows from investing activities -674.30M -1721.10M -1416.80M -460.60M 437.30M
Net borrowings -3.90M 1293.70M 490.50M -41.50M -7.90M
Total cash from financing activities -724.60M 957.30M 266.20M -794.60M -1468.70M
Change to operating activities - - - -3.90M -19.80M
Net income 423.90M 247.90M 286.10M 535.80M 958.30M
Change in cash -344.30M 374.10M 53.20M -16.50M 38.00M
Begin period cash flow 845.00M 470.90M 417.70M 434.20M 396.20M
End period cash flow 500.70M 845.00M 470.90M 417.70M 434.20M
Total cash from operating activities 1054.60M 1137.90M 1203.80M 1238.70M 1069.40M
Depreciation 3.60M 27.80M 26.60M 25.60M 26.30M
Other cashflows from investing activities -675.00M -1706.50M -1378.00M -230.80M -197.50M
Dividends paid - - 5.20M - -
Change to inventory - - -4.40M - -
Change to account receivables - 0.10M 4.40M - -
Sale purchase of stock -725.40M -313.30M -202.60M -784.50M -1471.80M
Other cashflows from financing activities -724.60M -23.10M -21.70M 8183.40M 3388.00M
Change to netincome - - - 510.50M 77.50M
Capital expenditures 1.60M 1.80M 4.00M 3.10M 7.60M
Cash flows other operating - - - 96.60M 18.00M
Cash and cash equivalents changes - - - -16.50M 38.00M
Change in working capital -98.30M 48.40M 151.40M 166.80M 7.30M
Stock based compensation 50.70M 45.00M 39.10M 36.50M 24.80M
Other non cash items 541.80M 839.20M 738.60M 481.70M 8.00M
Free cash flow 1053.00M 1136.10M 1199.80M 1235.60M 1061.80M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
CACC
Credit Acceptance Corporation		 6.98
1.34%		 529.56 14.33 10.75 4.64 3.83 5.31 18.81
V
Visa Inc. Class A		 0.06
0.01%		 422.65 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 -3.22
0.49%		 652.70 31.59 24.88 14.31 89.68 14.71 23.34
AXP
American Express Company		 -3.94
1.21%		 321.03 21.46 18.83 3.38 6.76 3.93 -
COF
Capital One Financial Corporation		 -1.97
0.97%		 201.87 11.39 8.75 2.64 1.11 2.76 -

Profile*

Credit Acceptance Corporation

Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.

25505 West Twelve Mile Road, Southfield, MI, United States, 48034-8339

248 353 2700

https://www.creditacceptance.com

2314

Name Title Year Born
Mr. Kenneth S. Booth CEO, Pres & Director 1967
Mr. Daniel A. Ulatowski Chief Sales Officer 1972
Mr. Arthur L. Smith Chief Analytics Officer 1973
Mr. Douglas W. Busk Chief Treasury Officer 1960
Mr. Jonathan L. Lum Chief Operating Officer 1977
Mr. Jay D. Martin Sr. VP of Accounting & Financial Reporting and Principal Accounting Officer 1974
Mr. Ravi Mohan Chief Technology Officer NA
Mr. Noah Kotch Chief Information Officer 1970
Ms. Erin J. Kerber Chief Legal Officer & Corp. Sec. 1979
Mr. Andrew Rostami Chief Marketing & Product Officer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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