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Earnings transcript
Read the complete earnings call transcript.
CACC
Credit Acceptance Corporation
$416.51
-3.09
(-0.74%)
| Exchange: | NASDAQ |
| Market Cap: | 4.595B |
| Shares Outstanding: | 35.833M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Credit Services | |||||
| CEO: | Vinayak R. | |||||
| Full Time Employees: | 2431 | |||||
| Address: |
| |||||
| Website: | https://www.creditacceptance.com |
Credit Acceptance Corporation provides financing programs, and related products and services to independent and franchised automobile dealers in the United States. The company advances money to dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps various amounts collected from the consumers. It is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. The company was founded in 1972 and is headquartered in Southfield, Michigan.
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Revenue Segmentation
EPS
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Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1,879,800 | 2,134,300 | 2,317,200 |
| Gross Profit | 1,262,400 | 1,332,100 | 2,288,200 |
| EBITDA | 373,900 | 352,900 | 1,057,300 |
| Operating Income | 347,300 | 325,100 | 1,103,700 |
| Net Income | 286,100 | 247,900 | 423,900 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 7,610,200 | 8,854,600 | 8,631,700 |
| Total Liabilities | 5,856,500 | 7,105,000 | 7,108,100 |
| Total Stockholders Equity | 1,753,700 | 1,749,600 | 1,523,600 |
| Total Debt | 5,067,500 | 6,352,900 | 6,353,900 |
| Cash and Cash Equivalents | 13,200 | 343,700 | 500,700 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 1,203,800 | 1,137,900 | 1,054,599.999 |
| Capital Expenditure | -4,000 | -1,800 | -1,600 |
| Free Cash Flow | 1,199,800 | 1,136,100 | 1,052,999.999 |
| Net Income | 286,100 | 247,900 | 423,900 |
| Net Change in Cash | 53,200 | 374,100 | -344,300 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 2,704,506.471 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 2,804,077.438 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 2,754,291.955 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 1,034,479.928 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 1,072,566.051 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 1,053,522.990 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 854,922.712 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 896,068.059 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 875,495.385 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 197,356.302 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 204,622.307 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 200,989.305 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 77.560 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 79.380 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 75.740 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Financial Performance: Credit Acceptance Corporation reported record-high revenue in Q2 2025, as highlighted in the earnings call transcript, indicating robust top-line growth. Key metrics such as revenue and net income from recent income statements reflect consistent operational success, supported by strong gross profit margins (grossProfitMarginTTM).
- Operational Efficiency: High return on equity (roeTTM) and return on invested capital (roicTTM) demonstrate effective use of capital and shareholder value creation, positioning CACC favorably within its industry (industryName).
- Positive Cash Flow Generation: Significant free cash flow (freeCashFlowYieldTTM and freeCashFlow from cash flow statements) indicates the company’s ability to fund operations, reduce debt, or return value to shareholders without relying heavily on external financing.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates CACC intrinsic value between $994.95 – $1,340.65 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about CACC valuation
Is Credit Acceptance Corporation (CACC) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Credit Acceptance Corporation (CACC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is CACC a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CACC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is CACC’s P/E ratio?
You can see CACC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for CACC?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is CACC a good long-term investment?
Whether CACC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
CACC
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
-0.74
Trading Metrics:
| Open: | 412 | Previous Close: | 419.6 | |
| Day Low: | 405.38 | Day High: | 428.86 | |
| Year Low: | 401.9 | Year High: | 549.75 | |
| Price Avg 50: | 472.14 | Price Avg 200: | 478.86 | |
| Volume: | 154141 | Average Volume: | 214722 |
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Login — it's freeCACC full analysis
Welcome to MARKETSNAP’s SWOT analysis for Credit Acceptance Corporation, or CACC as it’s known on the ticker. If you’re a long-term investor looking to build wealth and dig into some intriguing opportunities in the financial sector, you’re in the right place. Today, we’re breaking down this company with a full SWOT analysis—Strengths, Weaknesses, Opportunities, and Threats—to help you get a clearer picture of whether this stock fits into your portfolio. Let’s dive in with a quick overview of who they…
