Financhill
Buy
63

CACC Quote, Financials, Valuation and Earnings

Last price:
$468.14
Seasonality move :
10.54%
Day range:
$458.46 - $468.79
52-week range:
$409.22 - $616.66
Dividend yield:
0%
P/E ratio:
31.48x
P/S ratio:
2.85x
P/B ratio:
3.45x
Volume:
13.2K
Avg. volume:
68.8K
1-year change:
-11.23%
Market cap:
$5.7B
Revenue:
$1.9B
EPS (TTM):
$14.89

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
CACC
Credit Acceptance
$548.1M $9.05 15.86% 5.58% --
AXP
American Express
$16.7B $3.29 9.57% 14.81% $288.44
CPSS
Consumer Portfolio Services
$98.3M $0.21 98.01% -6.9% --
IROQ
IF Bancorp
-- -- -- -- --
PMTS
CPI Card Group
$117.1M $0.55 16.88% 263.64% --
SEZL
Sezzle
$52.6M $0.89 51.78% 503.92% $366.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
CACC
Credit Acceptance
$468.79 -- $5.7B 31.48x $0.00 0% 2.85x
AXP
American Express
$303.46 $288.44 $213.8B 22.33x $0.70 0.89% 3.39x
CPSS
Consumer Portfolio Services
$10.58 -- $226.5M 12.16x $0.00 0% 1.29x
IROQ
IF Bancorp
$23.00 -- $74.1M 37.70x $0.20 1.74% 3.19x
PMTS
CPI Card Group
$32.99 -- $368.1M 25.38x $0.00 0% 0.85x
SEZL
Sezzle
$255.74 $366.00 $1.4B 27.21x $0.00 0% 6.82x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
CACC
Credit Acceptance
79.15% 1.596 116.36% 21.85x
AXP
American Express
64.93% 0.612 28.81% 3.33x
CPSS
Consumer Portfolio Services
91.59% -1.196 1546.45% 0.05x
IROQ
IF Bancorp
57.98% 0.117 167.17% 9.89x
PMTS
CPI Card Group
118.03% 4.845 90.21% 1.25x
SEZL
Sezzle
60.58% 10.331 9.87% 2.24x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
CACC
Credit Acceptance
$336.6M $99.8M 2.62% 11.41% 18.36% $317.3M
AXP
American Express
-- -- 12.39% 34.49% 32.14% -$2.3B
CPSS
Consumer Portfolio Services
-- -- 0.7% 7.67% 112.63% $69.7M
IROQ
IF Bancorp
-- -- 1.12% 2.68% 111.46% $2.1M
PMTS
CPI Card Group
$44.7M $17.8M 6.98% -- 11.44% $11.1M
SEZL
Sezzle
$43.8M $20.8M 47.89% 154.86% 29.93% $5.4M

Credit Acceptance vs. Competitors

  • Which has Higher Returns CACC or AXP?

    American Express has a net margin of 14.5% compared to Credit Acceptance's net margin of 15.07%. Credit Acceptance's return on equity of 11.41% beat American Express's return on equity of 34.49%.

    Company Gross Margin Earnings Per Share Invested Capital
    CACC
    Credit Acceptance
    61.92% $6.35 $7.9B
    AXP
    American Express
    -- $3.49 $84.7B
  • What do Analysts Say About CACC or AXP?

    Credit Acceptance has a consensus price target of --, signalling downside risk potential of -9.02%. On the other hand American Express has an analysts' consensus of $288.44 which suggests that it could fall by -4.95%. Given that Credit Acceptance has more downside risk than American Express, analysts believe American Express is more attractive than Credit Acceptance.

    Company Buy Ratings Hold Ratings Sell Ratings
    CACC
    Credit Acceptance
    0 0 0
    AXP
    American Express
    5 14 3
  • Is CACC or AXP More Risky?

    Credit Acceptance has a beta of 1.456, which suggesting that the stock is 45.647% more volatile than S&P 500. In comparison American Express has a beta of 1.232, suggesting its more volatile than the S&P 500 by 23.166%.

  • Which is a Better Dividend Stock CACC or AXP?

    Credit Acceptance has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. American Express offers a yield of 0.89% to investors and pays a quarterly dividend of $0.70 per share. Credit Acceptance pays -- of its earnings as a dividend. American Express pays out 21.26% of its earnings as a dividend. American Express's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CACC or AXP?

    Credit Acceptance quarterly revenues are $543.6M, which are smaller than American Express quarterly revenues of $16.6B. Credit Acceptance's net income of $78.8M is lower than American Express's net income of $2.5B. Notably, Credit Acceptance's price-to-earnings ratio is 31.48x while American Express's PE ratio is 22.33x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Credit Acceptance is 2.85x versus 3.39x for American Express. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CACC
    Credit Acceptance
    2.85x 31.48x $543.6M $78.8M
    AXP
    American Express
    3.39x 22.33x $16.6B $2.5B
  • Which has Higher Returns CACC or CPSS?

    Consumer Portfolio Services has a net margin of 14.5% compared to Credit Acceptance's net margin of 9.49%. Credit Acceptance's return on equity of 11.41% beat Consumer Portfolio Services's return on equity of 7.67%.

    Company Gross Margin Earnings Per Share Invested Capital
    CACC
    Credit Acceptance
    61.92% $6.35 $7.9B
    CPSS
    Consumer Portfolio Services
    -- $0.20 $3.4B
  • What do Analysts Say About CACC or CPSS?

    Credit Acceptance has a consensus price target of --, signalling downside risk potential of -9.02%. On the other hand Consumer Portfolio Services has an analysts' consensus of -- which suggests that it could grow by 70.13%. Given that Consumer Portfolio Services has higher upside potential than Credit Acceptance, analysts believe Consumer Portfolio Services is more attractive than Credit Acceptance.

    Company Buy Ratings Hold Ratings Sell Ratings
    CACC
    Credit Acceptance
    0 0 0
    CPSS
    Consumer Portfolio Services
    0 0 0
  • Is CACC or CPSS More Risky?

    Credit Acceptance has a beta of 1.456, which suggesting that the stock is 45.647% more volatile than S&P 500. In comparison Consumer Portfolio Services has a beta of 1.992, suggesting its more volatile than the S&P 500 by 99.159%.

  • Which is a Better Dividend Stock CACC or CPSS?

    Credit Acceptance has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Consumer Portfolio Services offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Credit Acceptance pays -- of its earnings as a dividend. Consumer Portfolio Services pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios CACC or CPSS?

    Credit Acceptance quarterly revenues are $543.6M, which are larger than Consumer Portfolio Services quarterly revenues of $50.5M. Credit Acceptance's net income of $78.8M is higher than Consumer Portfolio Services's net income of $4.8M. Notably, Credit Acceptance's price-to-earnings ratio is 31.48x while Consumer Portfolio Services's PE ratio is 12.16x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Credit Acceptance is 2.85x versus 1.29x for Consumer Portfolio Services. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CACC
    Credit Acceptance
    2.85x 31.48x $543.6M $78.8M
    CPSS
    Consumer Portfolio Services
    1.29x 12.16x $50.5M $4.8M
  • Which has Higher Returns CACC or IROQ?

    IF Bancorp has a net margin of 14.5% compared to Credit Acceptance's net margin of 10.16%. Credit Acceptance's return on equity of 11.41% beat IF Bancorp's return on equity of 2.68%.

    Company Gross Margin Earnings Per Share Invested Capital
    CACC
    Credit Acceptance
    61.92% $6.35 $7.9B
    IROQ
    IF Bancorp
    -- $0.20 $187.4M
  • What do Analysts Say About CACC or IROQ?

    Credit Acceptance has a consensus price target of --, signalling downside risk potential of -9.02%. On the other hand IF Bancorp has an analysts' consensus of -- which suggests that it could fall by --. Given that Credit Acceptance has higher upside potential than IF Bancorp, analysts believe Credit Acceptance is more attractive than IF Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    CACC
    Credit Acceptance
    0 0 0
    IROQ
    IF Bancorp
    0 0 0
  • Is CACC or IROQ More Risky?

    Credit Acceptance has a beta of 1.456, which suggesting that the stock is 45.647% more volatile than S&P 500. In comparison IF Bancorp has a beta of 0.507, suggesting its less volatile than the S&P 500 by 49.277%.

  • Which is a Better Dividend Stock CACC or IROQ?

    Credit Acceptance has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. IF Bancorp offers a yield of 1.74% to investors and pays a quarterly dividend of $0.20 per share. Credit Acceptance pays -- of its earnings as a dividend. IF Bancorp pays out 71.45% of its earnings as a dividend. IF Bancorp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CACC or IROQ?

    Credit Acceptance quarterly revenues are $543.6M, which are larger than IF Bancorp quarterly revenues of $6.2M. Credit Acceptance's net income of $78.8M is higher than IF Bancorp's net income of $633K. Notably, Credit Acceptance's price-to-earnings ratio is 31.48x while IF Bancorp's PE ratio is 37.70x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Credit Acceptance is 2.85x versus 3.19x for IF Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CACC
    Credit Acceptance
    2.85x 31.48x $543.6M $78.8M
    IROQ
    IF Bancorp
    3.19x 37.70x $6.2M $633K
  • Which has Higher Returns CACC or PMTS?

    CPI Card Group has a net margin of 14.5% compared to Credit Acceptance's net margin of 1.04%. Credit Acceptance's return on equity of 11.41% beat CPI Card Group's return on equity of --.

    Company Gross Margin Earnings Per Share Invested Capital
    CACC
    Credit Acceptance
    61.92% $6.35 $7.9B
    PMTS
    CPI Card Group
    35.83% $0.11 $237.4M
  • What do Analysts Say About CACC or PMTS?

    Credit Acceptance has a consensus price target of --, signalling downside risk potential of -9.02%. On the other hand CPI Card Group has an analysts' consensus of -- which suggests that it could grow by 10.64%. Given that CPI Card Group has higher upside potential than Credit Acceptance, analysts believe CPI Card Group is more attractive than Credit Acceptance.

    Company Buy Ratings Hold Ratings Sell Ratings
    CACC
    Credit Acceptance
    0 0 0
    PMTS
    CPI Card Group
    0 0 0
  • Is CACC or PMTS More Risky?

    Credit Acceptance has a beta of 1.456, which suggesting that the stock is 45.647% more volatile than S&P 500. In comparison CPI Card Group has a beta of 1.390, suggesting its more volatile than the S&P 500 by 39.03%.

  • Which is a Better Dividend Stock CACC or PMTS?

    Credit Acceptance has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. CPI Card Group offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Credit Acceptance pays -- of its earnings as a dividend. CPI Card Group pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios CACC or PMTS?

    Credit Acceptance quarterly revenues are $543.6M, which are larger than CPI Card Group quarterly revenues of $124.8M. Credit Acceptance's net income of $78.8M is higher than CPI Card Group's net income of $1.3M. Notably, Credit Acceptance's price-to-earnings ratio is 31.48x while CPI Card Group's PE ratio is 25.38x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Credit Acceptance is 2.85x versus 0.85x for CPI Card Group. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CACC
    Credit Acceptance
    2.85x 31.48x $543.6M $78.8M
    PMTS
    CPI Card Group
    0.85x 25.38x $124.8M $1.3M
  • Which has Higher Returns CACC or SEZL?

    Sezzle has a net margin of 14.5% compared to Credit Acceptance's net margin of 22.08%. Credit Acceptance's return on equity of 11.41% beat Sezzle's return on equity of 154.86%.

    Company Gross Margin Earnings Per Share Invested Capital
    CACC
    Credit Acceptance
    61.92% $6.35 $7.9B
    SEZL
    Sezzle
    62.57% $2.62 $155.1M
  • What do Analysts Say About CACC or SEZL?

    Credit Acceptance has a consensus price target of --, signalling downside risk potential of -9.02%. On the other hand Sezzle has an analysts' consensus of $366.00 which suggests that it could grow by 43.11%. Given that Sezzle has higher upside potential than Credit Acceptance, analysts believe Sezzle is more attractive than Credit Acceptance.

    Company Buy Ratings Hold Ratings Sell Ratings
    CACC
    Credit Acceptance
    0 0 0
    SEZL
    Sezzle
    2 0 0
  • Is CACC or SEZL More Risky?

    Credit Acceptance has a beta of 1.456, which suggesting that the stock is 45.647% more volatile than S&P 500. In comparison Sezzle has a beta of 0.000, suggesting its less volatile than the S&P 500 by 100%.

  • Which is a Better Dividend Stock CACC or SEZL?

    Credit Acceptance has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Sezzle offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Credit Acceptance pays -- of its earnings as a dividend. Sezzle pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios CACC or SEZL?

    Credit Acceptance quarterly revenues are $543.6M, which are larger than Sezzle quarterly revenues of $70M. Credit Acceptance's net income of $78.8M is higher than Sezzle's net income of $15.4M. Notably, Credit Acceptance's price-to-earnings ratio is 31.48x while Sezzle's PE ratio is 27.21x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Credit Acceptance is 2.85x versus 6.82x for Sezzle. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CACC
    Credit Acceptance
    2.85x 31.48x $543.6M $78.8M
    SEZL
    Sezzle
    6.82x 27.21x $70M $15.4M

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