Credit Acceptance Corp.

  • Market Cap: Small Cap
  • Industry: Finance
  • ISIN: US2253101016
USD
460.93
-5.31 (-1.14%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

110.37 k

Shareholding (Mar 2025)

FII

8.77%

Held by 120 FIIs

DII

76.4%

Held by 16 DIIs

Promoter

0.00%

How big is Credit Acceptance Corp.?

22-Jun-2025

As of Jun 18, Credit Acceptance Corp. has a market capitalization of $5.8 billion, with net sales of $2.23 billion and a net profit of $289.9 million over the latest four quarters.

Market Cap: As of Jun 18, Credit Acceptance Corp. has a market capitalization of 5,800.34 million, categorizing it as a Mid Cap company.<BR><BR>Recent Quarterly Performance: For the latest four quarters, Credit Acceptance Corp. reported net sales of 2,225.50 million and a net profit of 289.90 million.<BR><BR>Balance Sheet Snapshot: As of Dec'24, the company reported shareholder's funds of 1,749.60 million and total assets of 9,741.10 million.

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What does Credit Acceptance Corp. do?

22-Jun-2025

Credit Acceptance Corp. provides financing programs for automobile dealers to sell vehicles to consumers, with a recent net sales of $571 million and a net profit of $106 million. The company has a market cap of approximately $5.8 billion and key metrics include a P/E ratio of 20.00 and a return on equity of 17.00%.

Overview:<BR>Credit Acceptance Corp. offers financing programs that enable automobile dealers to sell vehicles to consumers, operating within the finance industry and classified as a mid-cap company.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 571 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 106 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 5,800.34 Million (Mid Cap)<BR><BR>Key Metrics:<BR>P/E: 20.00 <BR>Dividend Yield: 0.00% <BR>Debt Equity: -999,999.00 <BR>Return on Equity: 17.00% <BR>Price to Book: 3.39<BR><BR>Contact Details:<BR>Address: 25505 W 12 Mile Rd, SOUTHFIELD MI: 48034-1846 <BR>Tel: 1 248 3532700 <BR>Fax: 1 248 3539776 <BR>Website: http://www.creditacceptance.com/

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Should I buy, sell or hold Credit Acceptance Corp.?

22-Jun-2025

Who are in the management team of Credit Acceptance Corp.?

22-Jun-2025

As of March 2022, the management team of Credit Acceptance Corp. includes CEO and Director Mr. Brett Roberts, along with independent directors Ms. Glenda Flanagan, Mr. Thomas Tryforos, and Mr. Scott Vassalluzzo.

As of March 2022, the management team of Credit Acceptance Corp. includes Mr. Brett Roberts, who serves as the Chief Executive Officer and Director. Additionally, the board features independent directors Ms. Glenda Flanagan, Mr. Thomas Tryforos, and Mr. Scott Vassalluzzo.

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Is Credit Acceptance Corp. overvalued or undervalued?

20-Sep-2025

As of July 31, 2025, Credit Acceptance Corp. is considered an attractive investment due to its undervalued metrics, including a P/E ratio of 20 and a PEG ratio of 1.13, despite a recent stock decline and lower five-year returns compared to the S&P 500.

As of 31 July 2025, the valuation grade for Credit Acceptance Corp. has moved from fair to attractive, indicating a positive shift in its perceived value. The company appears undervalued, supported by a P/E ratio of 20, an EV to EBITDA of 2.84, and a PEG ratio of 1.13. In comparison to peers, Blue Owl Capital Corp. has a lower P/E of 10.91 and a higher EV to EBITDA of 5.44, while Avis Budget Group, Inc. is considered risky with a P/E of 40.36, highlighting Credit Acceptance Corp.'s relatively favorable valuation metrics.<BR><BR>Despite a recent decline in stock performance over the past week, where it returned -3.95% compared to the S&P 500's 1.05%, the company has shown resilience with a 57.76% return over the last five years, although this is still significantly lower than the S&P 500's 96.61% in the same period. Overall, these factors suggest that Credit Acceptance Corp. is positioned as an attractive investment opportunity.

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Is Credit Acceptance Corp. technically bullish or bearish?

05-Nov-2025

As of October 31, 2025, Credit Acceptance Corp. is in a bearish trend with moderate strength, indicated by bearish MACD readings and moving averages, despite a mixed view from Dow Theory and underperformance against the S&P 500.

As of 31 October 2025, the technical trend for Credit Acceptance Corp. has changed from mildly bearish to bearish. The current stance is bearish with a moderate strength indicated by the weekly and monthly MACD readings both being bearish. The daily moving averages also confirm a bearish outlook. The weekly RSI shows bullish momentum, but this is overshadowed by the overall bearish indicators from KST and Bollinger Bands, which are both bearish on a weekly basis. Dow Theory presents a mixed view with a mildly bearish weekly and mildly bullish monthly signal. <BR><BR>In terms of performance, the stock has underperformed against the S&P 500 across multiple periods, with a year-to-date return of -8.46% compared to the S&P 500's 16.30%, and a 3-year return of -3.45% versus 76.66% for the index.

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iScoreScore
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Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard
1

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 29.22%

 
2

Poor long term growth as Net Sales has grown by an annual rate of 7.80% and Operating profit at 6.66%

 
3

Positive results in Jun 25

4

With ROE of 17.00%, it has a expensive valuation with a 3.43 Price to Book Value

5

High Institutional Holdings at 71.08%

6

Consistent Underperformance against the benchmark over the last 3 years

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Finance

stock-summary
Market cap

USD 5,767 Million (Small Cap)

stock-summary
P/E

20.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

-999,999.00

stock-summary
Return on Equity

27.36%

stock-summary
Price to Book

3.71

Revenue and Profits:
Net Sales:
584 Million
(Quarterly Results - Jun 2025)
Net Profit:
87 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-11.31%
0%
-11.31%
6 Months
-5.65%
0%
-5.65%
1 Year
-4.35%
0%
-4.35%
2 Years
-2.74%
0%
-2.74%
3 Years
-2.8%
0%
-2.8%
4 Years
-28.94%
0%
-28.94%
5 Years
39.1%
0%
39.1%

Credit Acceptance Corp. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
7.80%
EBIT Growth (5y)
6.66%
EBIT to Interest (avg)
6.40
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
24.66%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
71.08%
ROCE (avg)
144.72%
ROE (avg)
29.22%
Valuation key factors
Factor
Value
P/E Ratio
20
Industry P/E
Price to Book Value
3.43
EV to EBIT
2.88
EV to EBITDA
2.84
EV to Capital Employed
8.20
EV to Sales
2.13
PEG Ratio
1.13
Dividend Yield
NA
ROCE (Latest)
284.28%
ROE (Latest)
17.00%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 50 Schemes (14.83%)

Foreign Institutions

Held by 120 Foreign Institutions (8.77%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQ",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Jun 2025 is 2.22% vs 0.92% in Mar 2025",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "QoQ Growth in quarter ended Jun 2025 is -17.78% vs -30.02% in Mar 2025",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Jun'25",
        "Mar'25",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "583.80",
          "val2": "571.10",
          "chgp": "2.22%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "415.30",
          "val2": "426.40",
          "chgp": "-2.60%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "118.10",
          "val2": "114.70",
          "chgp": "2.96%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "-1.20",
          "chgp": "100.00%",
          "chgp_class": "positive"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "87.40",
          "val2": "106.30",
          "chgp": "-17.78%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "404.10%",
          "val2": "451.10%",
          "chgp": "-4.70%",
          "chgp_class": "negative"
        }
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  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2024 is 13.70% vs 3.79% in Dec 2023",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2024 is -13.35% vs -46.60% in Dec 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
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        {
          "field": "Net Sales",
          "val1": "2,162.40",
          "val2": "1,901.90",
          "chgp": "13.70%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "1,615.20",
          "val2": "1,396.70",
          "chgp": "15.64%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "419.50",
          "val2": "264.50",
          "chgp": "58.60%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "-1.80",
          "chgp": "100.00%",
          "chgp_class": "positive"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "247.90",
          "val2": "286.10",
          "chgp": "-13.35%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "357.30%",
          "val2": "333.30%",
          "chgp": "2.40%",
          "chgp_class": "positive"
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    }
  }
]
Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQstock-summary
Jun'25
Mar'25
Change(%)
Net Sales
583.80
571.10
2.22%
Operating Profit (PBDIT) excl Other Income
415.30
426.40
-2.60%
Interest
118.10
114.70
2.96%
Exceptional Items
0.00
-1.20
100.00%
Consolidate Net Profit
87.40
106.30
-17.78%
Operating Profit Margin (Excl OI)
404.10%
451.10%
-4.70%
USD in Million.
Direction Arrows
Net Sales

QoQ Growth in quarter ended Jun 2025 is 2.22% vs 0.92% in Mar 2025

Direction Arrows
Consolidated Net Profit

QoQ Growth in quarter ended Jun 2025 is -17.78% vs -30.02% in Mar 2025

Annual Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
2,162.40
1,901.90
13.70%
Operating Profit (PBDIT) excl Other Income
1,615.20
1,396.70
15.64%
Interest
419.50
264.50
58.60%
Exceptional Items
0.00
-1.80
100.00%
Consolidate Net Profit
247.90
286.10
-13.35%
Operating Profit Margin (Excl OI)
357.30%
333.30%
2.40%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in year ended Dec 2024 is 13.70% vs 3.79% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2024 is -13.35% vs -46.60% in Dec 2023

stock-summaryCompany CV
About Credit Acceptance Corp. stock-summary
stock-summary
Credit Acceptance Corp.
Finance
Credit Acceptance Corporation offers financing programs that enable automobile dealers to sell vehicles to consumers. The Company's financing programs are offered through a network of automobile dealers. The Company has two Dealers financing programs: the Portfolio Program and the Purchase Program. Under the Portfolio Program, the Company advances money to dealers (Dealer Loan) in exchange for the right to service the underlying consumer loans. Under the Purchase Program, the Company buys the consumer loans from the dealers (Purchased Loan) and keeps the amounts collected from the consumer. Dealer Loans and Purchased Loans are collectively referred to as Loans. As of December 31, 2016, the Company's target market included approximately 60,000 independent and franchised automobile dealers in the United States. The Company has market area managers located throughout the United States that market its programs to dealers, enroll new dealers and support active dealers.
Company Coordinates stock-summary
Company Details
25505 W 12 Mile Rd , SOUTHFIELD MI : 48034-1846
stock-summary
Tel: 1 248 35327001 248 3532700
stock-summary
Registrar Details