Credit Acceptance Corporation (CACC)
POSITIVEファンダメンタル
77
株価
$603.62
時価総額
$6.30B
パート1 · 企業の価値
概要
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.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
貸借対照表と流動性
売上高
$2.33B
直近12か月（2026/6/30まで）
純利益
$502M
直近12か月（2026/6/30まで）
フリーキャッシュフロー
$1.05B
自己資本合計
$1.52B
負債合計
$7.11B
流動比率
0.03
利払い倍率
-
負債/EBITDA
-
一株当たり利益（EPS）
売上高と純利益
フリーキャッシュフロー
収益内訳
財務推移表
利益率の推移
負債の推移
負債の重さ
成長率グリッド
成長率 — 売上高
適正価値の推定
適正価値
$516.68
現在株価
$603.62
安全マージン
-16.8%
適正価値レンジ
$429.55 - $603.81
推定方法
バリュエーション指標
P/E レシオ
13.30
ROE
27.8%
P/B レシオ
3.94
P/FCF
5.13
粗利益率
-
ROIC
-
収益性レーダー
Value Creation (Economic Moat)
ROIC
-
WACC
10.0%
ROIC − WACC
-
ファンダメンタル分析基準
合格（16）
- EPS shows upward trend
- EPS CAGR 13.77%
- Price CAGR 10.70%
- P/FCF 5.13
- Positive Free Cash Flow
- CapEx intensity
- Return on Tangible Assets
- Low reliance on intangibles
- DCF valuation (Undervalued)
- ROE 32.4%
- Revenue Growth 5Y 6.8%
- PEG Ratio 1.32
- Earnings Quality (OCF/NI) 2.44
- Share Dilution -6.6%
- Net Margin Trend 21.5% vs 18.7%
- Piotroski F-Score 6/9
不合格（5）
- P/B Ratio 3.94
- Debt/Equity ratio
- Price below Graham Number
- Analyst Consensus 0% Buy
- Earnings Surprise avg -4.0%
データなし（7）
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Operating Margin NaN%
- Current Ratio
- Interest Coverage
- Debt/EBITDA
Piotroski F-スコア
まちまちのシグナル：一部の領域に注意が必要
利益の質
高品質：利益はキャッシュに裏付けられている
株式希薄化
株式を買い戻している。株主に友好的
ガバナンス
経営陣
| 氏名 | 役職 | 年齢 |
|---|---|---|
| Mr. Vinayak R. Hegde | CEO, President & Director | 55 |
| Mr. Douglas W. Busk | Chief Treasury Officer | 65 |
| Mr. Joseph Billante III | CFO and Principal Financial & Accounting Officer | 49 |
| Mr. Jonathan L. Lum | Chief Operating Officer | 48 |
| Ms. Erin J. Kerber | Chief Legal Officer, Chief Compliance Officer & Secretary | 45 |
| Mr. Robert Bourrier | Chief Sales Officer | - |
監査リスク
6
取締役会リスク
4
報酬リスク
10
株主権利リスク
4
パート2 · 株価と買い時
この部分は企業に価値があるかを判断するものではありません。ファンダメンタルズに納得したうえで、いつ買うかを選ぶためのものです。内容：テクニカル分析、ポテンシャル、過去のドローダウン、ガンマエクスポージャー。
Latest News
Recent headlines for CACC, sourced from Markets Gazette.
- 3/13/2026POSITIVECredit Acceptance Is 'The Only Non-Prime Lender Worth Owning,' Citron Says
Citron Research has issued a strong endorsement for Credit Acceptance Corporation (CACC), designating it as the sole non-prime lender meriting investment. The influential research firm has established a fair value target of $714 for the company's stock. This optimistic outlook suggests Citron believes CACC is uniquely positioned within its sector, potentially due to superior risk management, underwriting capabilities, or market share. Investors should note this high conviction call from a prominent short-seller turned long-term advocate, which could signal significant upside potential if CACC's business performance aligns with Citron's projections.
via Markets Gazette