Credit Acceptance Corporation (CACC)
POSITIVEFundamental
77
Preço
$603.62
Capitalização de Mercado
$6.30B
Parte 1 · Quanto vale a empresa
Visão Geral
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
No editorial profile for this company yet
No competitor list for this company yet.
Balanço & Liquidez
Receita
$2.33B
Últimos 12 meses (até 30/06/2026)
Resultado Líquido
$502M
Últimos 12 meses (até 30/06/2026)
Fluxo de Caixa Livre
$1.05B
Capital Próprio Total
$1.52B
Passivo Total
$7.11B
Rácio de Liquidez
0.03
Cobertura de Juros
-
Dívida/EBITDA
-
Resultados Por Ação
Receita & Resultado Líquido
Fluxo de Caixa Livre
Decomposição dos Resultados
Demonstração histórica
Margens ao longo do tempo
A dívida ao longo do tempo
Quanto pesa a dívida
Grelha do crescimento
Crescimento — Receitas
Estimativa de Valor Justo
Valor Justo
$516.68
Preço Atual
$603.62
Margem de Segurança
-16.8%
Intervalo de Valor Justo
$429.55 - $603.81
Métodos de Estimativa
Métricas de Avaliação
Rácio P/E
13.30
ROE
27.8%
Rácio P/B
3.94
P/FCF
5.13
Margem Bruta
-
ROIC
-
Radar de Rentabilidade
Value Creation (Economic Moat)
ROIC
-
WACC
10.0%
ROIC − WACC
-
Critérios de Análise Fundamental
Aprovado (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
Reprovado (5)
- P/B Ratio 3.94
- Debt/Equity ratio
- Price below Graham Number
- Analyst Consensus 0% Buy
- Earnings Surprise avg -4.0%
Indisponível (7)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Operating Margin NaN%
- Current Ratio
- Interest Coverage
- Debt/EBITDA
Piotroski F-Score
Sinais mistos: algumas áreas requerem atenção
Qualidade dos Resultados
Alta qualidade: resultados respaldados por caixa
Diluição de Ações
A recomprar ações. Favorável ao acionista
Governação
Equipa Executiva
| Nome | Cargo | Idade |
|---|---|---|
| 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 | - |
Risco de Auditoria
6
Risco do Conselho
4
Risco de Remuneração
10
Risco dos Direitos dos Acionistas
4
Parte 2 · O preço e o momento de entrar
Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.
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