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Credit Acceptance (CACC) Ratios
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Credit Acceptance Ratios
CACC's free cash flow for Q3 2026 was $334.10M. For the 2026 fiscal year, CACC's free cash flow was decreased by $-1.40M and operating cash flow was $335.50M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.26 | 0.00 | 0.00 | 0.00 | 39.28 |
| Quick Ratio | 0.26 | 0.00 | 0.00 | 0.00 | 39.28 |
| Cash Ratio | 0.23 | 0.00 | 0.00 | 0.00 | 0.13 |
| Solvency Ratio | 0.06 | 0.03 | 0.05 | 0.09 | 0.19 |
| Operating Cash Flow Ratio | 0.48 | 0.00 | 0.00 | 0.00 | 6.10 |
| Short-Term Operating Cash Flow Coverage | 0.48 | 13.03 | 16.25 | 0.82 | 411.31 |
| Net Current Asset Value | $ -7.50B | $ -7.99B | $ -6.64B | $ -6.01B | $ 1.66B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.66 | 0.65 | 0.60 | 0.60 | 0.66 |
| Debt-to-Equity Ratio | 4.17 | 3.63 | 2.89 | 2.83 | 2.53 |
| Debt-to-Capital Ratio | 0.81 | 0.78 | 0.74 | 0.74 | 0.72 |
| Long-Term Debt-to-Capital Ratio | 0.73 | 0.78 | 0.74 | 0.65 | 0.72 |
| Financial Leverage Ratio | 6.30 | 5.57 | 4.79 | 4.70 | 3.87 |
| Debt Service Coverage Ratio | 0.35 | 3.11 | 3.95 | 0.37 | 376.73 |
| Interest Coverage Ratio | 2.38 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debt to Market Cap | 1.29 | 1.10 | 0.73 | 0.71 | 0.42 |
| Interest Debt Per Share | 615.33 | 515.53 | 391.21 | 338.45 | 287.14 |
| Net Debt to EBITDA | 5.55 | 15.61 | 12.29 | 5.73 | 3.58 |
| Profitability Margins | |||||
| Gross Profit Margin | 98.75% | 62.41% | 67.16% | 73.94% | 77.25% |
| EBIT Margin | 44.38% | 15.23% | 18.48% | 38.52% | 67.85% |
| EBITDA Margin | 45.52% | 16.53% | 19.89% | 39.93% | 69.27% |
| Operating Profit Margin | 47.63% | 15.23% | 18.48% | 38.52% | 67.85% |
| Pretax Profit Margin | 24.40% | 15.44% | 19.56% | 39.04% | 68.12% |
| Net Profit Margin | 18.29% | 11.62% | 15.22% | 29.39% | 51.77% |
| Continuous Operations Profit Margin | 18.29% | 11.62% | 15.22% | 29.39% | 51.77% |
| Net Income Per EBT | 74.97% | 75.24% | 77.83% | 75.28% | 76.00% |
| EBT Per EBIT | 51.23% | 101.35% | 105.85% | 101.34% | 100.41% |
| Return on Assets (ROA) | 4.42% | 2.54% | 3.41% | 7.02% | 13.59% |
| Return on Equity (ROE) | 27.82% | 14.17% | 16.31% | 32.99% | 52.53% |
| Return on Capital Employed (ROCE) | 14.88% | 3.34% | 4.14% | 9.20% | 18.26% |
| Return on Invested Capital (ROIC) | 8.62% | 280.17% | 364.78% | 35.06% | 13.88% |
| Return on Tangible Assets | 4.42% | 2.54% | 3.41% | 7.02% | 13.59% |
| Earnings Yield | 8.63% | 4.29% | 4.15% | 8.33% | 8.66% |
| Efficiency Ratios | |||||
| Receivables Turnover | 34.48 | 508.17 | 437.16 | 209.54 | 0.29 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 2.41 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 183.90 | 145.19 | 40.43 | 35.47 | 32.30 |
| Asset Turnover | 0.24 | 0.22 | 0.22 | 0.24 | 0.26 |
| Working Capital Turnover Ratio | -2.89 | 0.00 | 0.00 | 0.54 | 0.27 |
| Cash Conversion Cycle | 10.59 | 0.72 | 0.83 | 1.74 | 1119.38 |
| Days of Sales Outstanding | 10.59 | 0.72 | 0.83 | 1.74 | 1271.06 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 151.69 |
| Operating Cycle | 10.59 | 0.72 | 0.83 | 1.74 | 1271.06 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 95.20 | 92.34 | 92.93 | 91.32 | 66.48 |
| Free Cash Flow Per Share | 95.05 | 92.19 | 92.62 | 91.09 | 66.01 |
| Dividend Paid and CapEx Coverage Ratio | 659.12 | 632.17 | 300.95 | 399.58 | 140.71 |
| Capital Expenditure Coverage Ratio | 659.12 | 632.17 | 300.95 | 399.58 | 140.71 |
| Operating Cash Flow Coverage Ratio | 0.17 | 0.18 | 0.24 | 0.27 | 0.23 |
| Operating Cash Flow to Sales Ratio | 0.46 | 0.53 | 0.64 | 0.68 | 0.58 |
| Free Cash Flow Yield | 21.43% | 19.64% | 17.39% | 19.20% | 9.60% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 11.59 | 23.34 | 24.12 | 12.01 | 11.54 |
| Price-to-Sales (P/S) Ratio | 2.12 | 2.71 | 3.67 | 3.53 | 5.98 |
| Price-to-Book (P/B) Ratio | 3.22 | 3.31 | 3.93 | 3.96 | 6.06 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 4.67 | 5.09 | 5.75 | 5.21 | 10.42 |
| Price-to-Operating Cash Flow Ratio | 4.66 | 5.08 | 5.73 | 5.19 | 10.34 |
| Price-to-Earnings Growth (PEG) Ratio | 0.13 | -2.62 | -0.55 | -0.36 | 0.08 |
| Enterprise Value Multiple | 10.21 | 32.00 | 30.75 | 14.57 | 12.21 |
| Enterprise Value | 10.77B | 11.29B | 11.50B | 10.61B | 15.66B |
| EV to EBITDA | 10.21 | 32.00 | 30.75 | 14.57 | 12.21 |
| EV to Sales | 4.65 | 5.29 | 6.12 | 5.82 | 8.46 |
| EV to Free Cash Flow | 10.22 | 9.94 | 9.58 | 8.59 | 14.75 |
| EV to Operating Cash Flow | 10.21 | 9.92 | 9.55 | 8.56 | 14.64 |
| Tangible Book Value Per Share | 137.53 | 141.98 | 135.39 | 119.73 | 113.40 |
| Shareholders’ Equity Per Share | 137.53 | 141.98 | 135.39 | 119.73 | 113.40 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.25 | 0.25 | 0.22 | 0.25 | 0.24 |
| Revenue Per Share | 209.17 | 173.20 | 145.12 | 134.40 | 115.06 |
| Net Income Per Share | 38.26 | 20.12 | 22.09 | 39.50 | 59.57 |
| Tax Burden | 0.75 | 0.75 | 0.78 | 0.75 | 0.76 |
| Interest Burden | 0.55 | 1.01 | 1.06 | 1.01 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.09 | 0.05 | 0.05 | 0.05 |
| Stock-Based Compensation to Revenue | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 |
| Income Quality | 2.49 | 4.59 | 4.21 | 2.31 | 1.12 |
Currency in USD
