Credit Acceptance Corporation (CACC)
POSITIVE基本面
77
价格
$605.41
市值
$6.30B
第一部分 · 这家公司值多少
概览
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.
资产负债表与流动性
营收
$2.33B
最近12个月（截至2026/6/30）
净利润
$502M
最近12个月（截至2026/6/30）
自由现金流
$1.05B
股东权益合计
$1.52B
负债合计
$7.11B
流动比率
0.03
利息覆盖率
-
债务/EBITDA
-
每股收益
营收与净利润
自由现金流
收入构成
历史财务表
利润率变化
债务变化
债务负担有多重
增长一览表
增长 — 营业收入
公允价值估算
公允价值
$516.68
当前价格
$605.41
安全边际
-17.2%
公允价值区间
$429.55 - $603.81
估算方法
估值指标
市盈率（P/E）
13.30
ROE
27.8%
市净率（P/B）
3.94
P/FCF
5.13
毛利率
-
ROIC
-
盈利能力雷达图
Value Creation (Economic Moat)
ROIC
-
WACC
10.0%
ROIC − WACC
-
基本面分析标准
通过（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
未通过（5）
- P/B Ratio 3.94
- Debt/Equity ratio
- Price below Graham Number
- Analyst Consensus 0% Buy
- Earnings Surprise avg -4.0%
不可用（7）
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Operating Margin NaN%
- Current Ratio
- Interest Coverage
- Debt/EBITDA
Piotroski F-评分
信号混杂：部分领域需关注
盈利质量
高质量：盈利有现金流支撑
股权稀释
正在回购股份，对股东友好
公司治理
管理团队
| 姓名 | 职位 | 年龄 |
|---|---|---|
| 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 | - |
审计风险
6
董事会风险
4
薪酬风险
10
股东权利风险
4
第二部分 · 价格与买入时机
这一部分不判断公司是否值得拥有：它帮助你在基本面说服你之后，选择何时买入。包含：技术分析、潜力、历史回撤、Gamma 敞口。
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