Company Analysis Credit Acceptance Corporation
1. Summary
Advantages
- The company's current efficiency (ROE=16.31%) is higher than the sector average (ROE=6.09%)
Disadvantages
- Price (479.51 $) is higher than fair price (231.95 $)
- Dividends (0%) are below the sector average (1.71%).
- The stock's return over the last year (-12.73%) is lower than the sector average (5.29%).
- Current debt level 67.56% has increased over 5 years from 61.19%.
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| Credit Acceptance Corporation | Financials | Index | |
|---|---|---|---|
| 7 days | -8.2% | -5.3% | -5.3% |
| 90 days | -3% | -14.6% | -3.5% |
| 1 year | -12.7% | 5.3% | 15.9% |
CACC vs Sector: Credit Acceptance Corporation has significantly underperformed the "Financials" sector by -18.01% over the past year.
CACC vs Market: Credit Acceptance Corporation has significantly underperformed the market by -28.64% over the past year.
Stable price: CACC is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: CACC with weekly volatility of -0.2447% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Above fair price: The current price (479.51 $) is higher than the fair price (231.95 $).
Price is higher than fair: The current price (479.51 $) is 51.6% higher than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (24.02) is lower than that of the sector as a whole (25.96).
P/E vs Market: The company's P/E (24.02) is lower than that of the market as a whole (49.14).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (3.92) is higher than that of the sector as a whole (0.8945).
P/BV vs Market: The company's P/BV (3.92) is higher than that of the market as a whole (3.44).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (3.61) is lower than that of the sector as a whole (4.82).
P/S vs Market: The company's P/S indicator (3.61) is lower than that of the market as a whole (10.29).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (32.44) is higher than that of the sector as a whole (17.63).
EV/Ebitda vs Market: The company's EV/Ebitda (32.44) is higher than that of the market as a whole (25.46).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Negative and has fallen by -6.41% over the last 5 years.
Accelerating profitability: The return for the last year (0%) exceeds the average return for 5 years (-6.41%).
Profitability vs Sector: The return for the last year (0%) is lower than the return for the sector (26.63%).
5.4. ROE
ROE vs Sector: The company's ROE (16.31%) is higher than that of the sector as a whole (6.09%).
ROE vs Market: The company's ROE (16.31%) is higher than that of the market as a whole (8.96%).
5.5. ROA
ROA vs Sector: The company's ROA (3.76%) is lower than that of the sector as a whole (5.76%).
ROA vs Market: The company's ROA (3.76%) is lower than that of the market as a whole (6.33%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (14.43%) is higher than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (14.43%) is higher than that of the market as a whole (10.79%).
7. Dividends
7.1. Dividend yield vs Market
Low yield: The dividend yield of the company 0% is below the average for the sector '1.71%.
7.2. Stability and increase in payments
Unstable dividends: The company's dividend yield 0% has not been consistently paid over the past 7 years, DSI=0.
Weak dividend growth: The company's dividend yield 0% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (1.82%) are at an uncomfortable level.
8. Insider trades
8.1. Insider trading
Insider Selling More insider purchases by 100% over the last 3 months.
8.2. Latest transactions
| Transaction date | Insider | Type | Price | Volume | Quantity |
|---|---|---|---|---|---|
| 17.12.2024 | LUM JONATHAN Chief Operating Officer |
Sale | 489.9 | 270 425 | 552 |
| 18.09.2024 | Prescott General Partners LLC Member of Section 13(d) Group |
Purchase | 446.13 | 1 784 520 | 4 000 |
| 17.09.2024 | Prescott General Partners LLC Member of Section 13(d) Group |
Sale | 444.91 | 5 154 730 | 11 586 |
| 07.08.2024 | ULATOWSKI DANIEL A. Chief Sales Officer |
Sale | 472.19 | 944 380 | 2 000 |
| 21.03.2024 | BUSK DOUGLAS W Chief Treasury Officer |
Sale | 572.58 | 1 431 450 | 2 500 |
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