Credit Acceptance Corporation

NASDAQ
CACC
Stock
Yield per half year: -3.7%
Dividend yield: 0%
Sector: Financials

Reporting Credit Acceptance Corporation

Reports

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022
Финансовый отчет link link link link link link link


Capitalization

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Капитализация, млрд $
2.86 4.28 4.13 6.15 6.87 6.18 11.06 6.44 6.06 6.17 7.32 -2.48
Выручка, млрд $
0.969 1.11 1.29 1.42 1.62 1.8 1.18 1.9 2.13 2.13 1.73 5.63
Чистая прибыль, млрд $
0.333 0.47 0.574 0.6561 0.421 0.9583 0.5358 0.2861 0.2479 0.2479 0.4898 -10.05
EV, млрд $
9.47 7.2 11.19 12.62 10.58 15.54 10.92 11.93 4.94 4.94 10.78 -14.13
EBIT, млрд $
0.5312 0.5838 0.9117 0.8371 0.5405 1.23 -0.2414 0.3676 0.3251 0.3251 0.4444 -9.67
EBITDA, млрд $
0.547 0.6 0.9312 0.8595 0.5643 1.26 0.7117 0.3676 0.3529 0.3529 0.6513 -8.96
OIBDA, млрд $
0.6838 1.54 0.862 0.4491 0.4301 0.4301 0.7930 -8.86
Баланс стоимость, млрд $
1.04 1.39 1.99 2.36 2.3 1.82 1.62 1.75 1.75 1.75 1.85 -5.32
FCF, млрд $
0.501 0.558 0.6788 0.7855 0.9767 1.06 1.24 1.2 1.14 1.14 1.12 3.14
Операционный денежный поток, млрд $
0.5072 0.566 0.7039 0.8123 0.9852 1.07 1.24 1.2 1.14 1.14 1.13 2.96
Операционная прибыль, млрд $
0.531 0.583 0.7551 0.8371 0.5405 1.23 0.6861 0.3676 0.3251 0.3251 0.6299 -9.67
Операционные расходы, млрд $
0.2138 0.2659 0.2055 0.1732 0.6843 0.1597 0.6087 0.4591 1.01 1.01 0.5844 8.10
CAPEX, млрд $
0.006 0.008 0.0251 0.0268 0.0085 0.0076 0.0031 0.004 0.0018 0.0018 0.0050 -26.69


Balance sheet

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Наличность, млрд $
0.0146 0.0082 0.0257 0.1874 0.016 0.0233 0.0077 0.0132 0.845 0.845 0.1810 121.08
Short Term Investments $
0.0453 0.0461 0.0586 0.0593 0.0661 0.0621 0.0723 0.0069 0.1064 0.1064 0.0628 9.99
Long term investments $
2.21 2.51 3.1 3.89 4.62 5.76 6.69 6.79 6.34 6.3 6.38 1.81
Total Receivables $
3.89 4.62 5.77 6.75 6.93 6.45 6.31 0.0043 7.85 7.85 5.51 2.52
Total Current Assets $
4.17 4.93 6.1 7.33 7.4 6.94 6.8 0.0132 8.8 8.8 5.99 3.53
Чистые активы, млрд $
0.9281 1.17 1.54 6.1 7.33 7.4 6.94 0.0514 7.08 0.0514 5.76 -0.69
Активы, млрд $
4.22 4.99 6.24 7.42 7.49 7.05 6.9 7.61 8.85 8.85 7.58 3.39
Short Term Debt $
0.0577 0.7496 0.0139 1.05 0.0113 0.0959 0.0026 1.51 0.0741 0.0741 0.3388 45.66
Long Term Debt $
2.6 3.06 3.65 4.54 4.51 4.61 4.56 5.07 6.35 6.35 5.02 7.08
Задолженность, млрд $
3.04 3.45 4.25 5.07 5.19 5.23 5.28 5.86 7.11 7.11 5.73 6.50
Чистый долг, млрд $
5.19 3.85 3.8 4.35 4.59 4.59 4.58 5.05 -0.845 -0.845 3.59 -171.29
Долг, млрд $
5.21 3.07 3.82 4.54 4.61 4.62 6.07 5.07 6.35 6.35 5.34 6.61
Interest income $
0.076 0.0977 0.1202 0.1566 0.1962 0.0029 0.0012 0.0066 0.018 0.0450 -37.98
Расходы на обслуживание долга $
0.076 0.0977 0.1202 0.1566 0.1962 0.009 0.0263 0.0256 0.2645 0.2645 0.1043 6.16
Чист. проц. доходы, млрд $
-0.0977 0.1202 0.1566 0.1962 0.0029 0.0012 0.0066 0.018 0.018 0.0450 -37.98
Амортизация, млрд $
0.0153 0.0164 0.0195 0.0224 0.0238 0.0263 0.9531 0.0266 0.0278 0.0278 0.2115 3.16
Себестоимость, млрд $
0.2242 0.2603 0.3244 0.3895 0.3785 0.3823 0.475 0.583 0.8022 0.8022 0.5242 16.21
Товарно материальные запасы $
0.1026 0.094 0.5132 0.5702 0.1155 0.9735 0.9906 1.02 0.9466 0.9466 0.8092 52.31


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 16.31 24.04 29.39 34.57 23.47 59.52 39.32 21.99 19.88 19.88 32.84 -3.27
Цена акции ао 217.51 323.48 381.76 442.33 346.14 446.32 532.73 469.46 499.54 499.54 458.84 7.61
Число акций ао, млн 20 19 19 18 17 16 13.63 13.01 12.47 12.47 14.42 -6.01
FCF/акцию 25.09 27.88 34.75 41.39 54.46 65.95 90.69 92.22 91.11 91.11 78.89 10.84


Efficiency

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 31.67 34.71 32.55 30.19 18.08 46.44 31.08 16.94 14.15 14.15 -47.34 25.34 -4.78
ROA, % 8.75 10.22 10.23 9.61 5.65 13.18 7.68 3.94 3.01 3.01 10.67 6.69 -11.83
ROIC, % 10.96 9.8 11.22 11.02 10.33 6.1 15.63 7.03 4.22 14.43 6.57 8.66 -16.39
ROS, % 63.42 70.91 70.66 32.92 67.96 45.24 15.04 11.62 11.62 11.62 26.43 30.30 -29.76
ROCE, % 38.01 18.23 11.6 7.4 17.96 -3.63 5.1 3.86 18.58 18.58 26.28 8.37 0.68
Ebit margin, % 58.93 -21.99 47.55 -20.38 19.33 15.23 15.23 15.23 15.39 -20.36
Рентаб EBITDA, % 54.05 72.47 60.51 34.84 69.94 60.09 19.33 16.53 16.53 16.53 37.71 36.48 -25.06
Чистая рентаб, % 54.8 52.6 44.67 46.19 25.99 53.15 45.24 15.04 11.62 11.62 26.43 30.21 -14.87
Operation Margin, % 52.59 58.73 57.6 33.36 67.92 57.93 19.33 15.23 15.23 15.23 31.91 35.13 -25.84
Чистая процентная маржа, % 37.11 36.79 36.31 34.34 42.36 44.64 44.06 25.22 51.65 52.17 22.37 41.59 4.05
Доходность FCF, % 12.62 13.97 11.72 12.82 9.06 9.09 14.49 13.49 16.95 19.81 14.77 16.86


Coefficients

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
13.8 16.8 12.88 12.61 14.23 11.42 11.83 24.02 23.35 23.35 25.86 16.97 10.41
P/BV
3.7 4.6 3.71 3.51 2.6 6 3.9 3.92 3.31 3.31 -12.42 3.95 4.95
P/S
4.8 5.9 5.75 5.82 3.7 6.07 5.35 3.61 2.71 2.71 6.65 4.29 -6.04
P/FCF
9.18 8.9 8.91 5.61 9.29 5.9 4.99 5.14 5.43 5.43 19.22 6.15 -10.18
E/P
0.0958 0.0766 0.0759 0.0624 0.1217 0.0735 0.0472 0.0464 0.0402 0.0402 0.05 0.0658 -19.87
EV/EBIT
15.08 -30.33 18.27 -45.24 32.44 15.21 15.21 15.21 7.18 -3.60
EV/EBITDA
14.71 11.99 12.01 14.69 18.75 12.33 15.35 32.44 14.01 14.01 18.74 18.58 -5.66
EV/S
7.57 9.22 9.16 7 6.91 9.22 6.27 2.32 2.32 2.32 6.87 5.41 -19.61
EV/FCF
14.29 16.62 16.56 11.61 11.74 8.84 9.94 4.35 4.35 4.35 24.55 7.84 -18.01
Debt/EBITDA
5.12 4.1 5.28 8.17 3.66 8.53 13.79 18 18 18 2.09 12.40 37.52
Netdebt/Ebitda
6.41 6.03 6.69 8.01 3.57 6.44 13.75 -2.39 -2.39 -2.39 0.97 3.80 -192.29
Debt/Ratio
0.69 0.68 0.68 0.69 0.74 0.8788 0.6659 0.7175 0.7175 0.7175 0.40 0.7439 -0.62
Debt/Equity
2.25 2.13 2.15 2.25 2.87 3.74 2.89 3.63 4.06 4.06 -1.77 3.44 7.18
Debt/Net Income
6.53 6.66 6.94 10.95 4.82 11.32 17.71 25.63 25.63 25.63 3.28 17.02 39.68
PEG
1.67 1.67 1.67 0.00
Бета
1.14 1.26 1.3 0.9689 -0.7113 -0.3369 -0.3369 0.58 0.4961 -176.81
Индекс Альтмана
3.11 3.07 3.06 2.63 2.96 2.02 1.8 1.65 1.29 1.29 42.85 1.94 -15.30


Dividends

IFRS
Reporting Annual Quarterly
1999 2002 2003 2006 2007 2015 2016 2017 2018 2019 2020 2021 2022 2023 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.0977 0.1095 0.0564 1.09 1.25 0.0118 0.0151 0.0052 0.0052 0.2575 -66.59
Дивиденд
0
Див доход, ао, %
0 0 0 0 0 0 0 0 0 0 2.00
Дивиденды / прибыль, %
-914.47 368.7 200.29 1864.14 2281.67 0 1.23 2.82 1.82 1.82 56.58 830.34 -75.00


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Other

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM CAGR 5
НИОКР, млрд
0 0 0 0 0 0 0 0 0
Всего задолженность
1.24 1.74 1.37 3.38
CAPEX/Выручка, %
0.5248 0.4215 0.2617 0.2103 0.0843 0.0843 -30.63
Персонал, чел
2 033 2 073 2 246 2 232 2.36