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About the company
Credit Acceptance Corporation is engaged in offering that enable automobile dealers to sell vehicles to consumers. The Company’s financing programs are offered through a nationwide network of automobile dealers. Its loan portfolio consists of two portfolio segments: dealer loans and purchased loans. The Company offers two programs: the Portfolio Program and the Purchase Program. Under the Portfolio Program, the Company advances money to dealers in exchange for the right to service the underlying consumer loans. Under the Purchase Program, the Company buys the consumer loans from the dealers and keeps all amounts collected from the consumer. Its target market consists of 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.
- Revenue in USD (TTM)2.09bn
- Net income in USD189.60m
- Incorporated1972
- Employees2.23k
- LocationCredit Acceptance Corp25505 W 12 Mile RdSOUTHFIELD 48034-1846United StatesUSA
- Phone+1 (248) 353-2700
- Fax+1 (248) 353-9776
- Websitehttps://www.creditacceptance.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Nerdwallet Inc | 637.50m | -10.50m | 1.10bn | 730.00 | -- | 3.41 | 28.45 | 1.73 | -0.1357 | -0.1357 | 8.11 | 4.39 | 1.55 | -- | 6.55 | 873,287.70 | -2.55 | -- | -2.95 | -- | 90.49 | -- | -1.65 | -- | -- | -- | 0.00 | -- | 11.23 | -- | -15.69 | -- | -- | -- |
| Navient Corp | 871.00m | 79.00m | 1.66bn | 4.50k | 22.08 | 0.6156 | -- | 1.90 | 0.7019 | 0.7019 | 7.74 | 25.18 | 0.0149 | -- | 11.31 | 193,555.60 | 0.1352 | 0.624 | 0.1478 | 0.6827 | 107.35 | 109.67 | 9.07 | 32.92 | -- | 4.57 | 0.9489 | 21.01 | -18.81 | -6.66 | -64.65 | -7.46 | -- | 0.00 |
| LendingClub Corp | 755.42m | 51.77m | 1.76bn | 1.03k | 33.82 | 1.31 | 17.12 | 2.33 | 0.4636 | 0.4636 | 6.77 | 11.95 | 0.0774 | -- | -- | 736,991.30 | 0.5307 | 0.5363 | 4.01 | 1.40 | -- | -- | 6.85 | 2.98 | -- | -- | 0.8757 | 0.00 | -27.17 | -4.36 | -86.56 | -- | 2.35 | -- |
| Enova International Inc | 1.44bn | 180.52m | 2.72bn | 1.68k | 16.59 | 2.32 | 12.40 | 1.89 | 6.26 | 6.26 | 49.69 | 44.87 | 0.3175 | -- | 0.38 | 860,566.60 | 3.98 | 8.69 | 4.23 | 9.24 | -- | -- | 12.52 | 21.91 | -- | 1.90 | 0.7365 | 0.00 | 10.05 | 4.81 | -15.57 | 26.86 | 22.99 | -- |
| Bread Financial Holdings Inc | 4.76bn | 315.00m | 2.92bn | 7.00k | 9.29 | 0.9365 | 7.16 | 0.613 | 6.32 | 6.26 | 94.98 | 62.62 | 0.2195 | -- | 0.3024 | 679,428.60 | 1.45 | 1.98 | 3.66 | 4.41 | 93.08 | 90.67 | 6.62 | 11.43 | -- | 1.44 | 0.8485 | 13.04 | 11.11 | -3.22 | 229.02 | -4.25 | -24.82 | -18.10 |
| Nelnet Inc | 2.09bn | 152.17m | 3.96bn | 7.55k | 26.45 | 1.20 | 15.63 | 1.89 | 4.13 | 4.13 | 56.59 | 90.87 | 0.1297 | -- | 14.18 | 277,435.50 | 0.7846 | 1.23 | 0.8444 | 1.27 | 51.83 | 63.11 | 6.05 | 15.40 | -- | 3.90 | 0.7646 | 12.60 | 6.58 | 4.35 | -77.57 | -16.83 | -9.94 | 9.94 |
| Firstcash Holdings Inc | 3.36bn | 244.86m | 4.83bn | 19.00k | 19.97 | 2.42 | 13.76 | 1.44 | 5.41 | 5.41 | 74.11 | 44.67 | 0.7836 | 5.37 | 45.76 | 176,675.60 | 5.72 | 5.52 | 6.17 | 6.03 | 48.07 | 50.75 | 7.29 | 7.85 | 3.23 | 4.14 | 0.464 | 28.01 | 15.50 | 12.09 | -13.49 | 7.65 | 11.01 | 8.37 |
| SLM Corp | 2.63bn | 646.56m | 5.11bn | 1.74k | 8.37 | 2.72 | 7.03 | 2.69 | 2.88 | 2.88 | 8.57 | 10.05 | -- | -- | -- | -- | 2.24 | 2.46 | -- | -- | -- | -- | 34.97 | 40.14 | -- | -- | -- | 10.30 | 27.60 | 6.02 | 22.54 | 6.69 | -- | -- |
| Credit Acceptance Corp. | 2.09bn | 189.60m | 5.32bn | 2.23k | 29.53 | 3.23 | 24.51 | 2.55 | 14.89 | 14.89 | 166.45 | 135.94 | 0.2597 | -- | 102.86 | 935,528.70 | 2.36 | 7.98 | 2.46 | 9.14 | -- | -- | 9.08 | 32.66 | -- | 1.72 | 0.7915 | 0.00 | 3.79 | 8.14 | -46.60 | -13.00 | -30.74 | -- |
| Upstart Holdings Inc | 557.88m | -168.22m | 6.32bn | 1.39k | -- | 10.61 | -- | 11.33 | -1.93 | -1.93 | 6.46 | 6.54 | 0.2928 | -- | 12.79 | 401,928.00 | -8.83 | -3.57 | -10.65 | -4.49 | 72.48 | 80.07 | -30.15 | -8.18 | -- | -45.82 | 0.5984 | -- | -39.04 | 38.90 | -120.98 | -- | 63.20 | -- |
| OneMain Holdings Inc | 5.60bn | 548.00m | 6.46bn | 9.10k | 11.87 | 2.01 | 7.87 | 1.15 | 4.56 | 4.56 | 46.58 | 26.87 | 0.2252 | -- | 414.67 | 615,164.80 | 2.20 | 3.94 | 2.20 | 3.97 | 79.55 | 80.68 | 9.79 | 17.59 | -- | -- | 0.8682 | 78.40 | 4.09 | 4.56 | -26.49 | 7.48 | -- | -- |
| Mr Cooper Group Inc | 1.98bn | 511.00m | 6.48bn | 6.80k | 13.07 | 1.40 | 11.86 | 3.28 | 7.74 | 7.74 | 29.85 | 72.47 | 0.1334 | -- | -- | 290,441.20 | 3.45 | 4.06 | 3.96 | 5.35 | -- | -- | 25.87 | 28.31 | -- | -- | 0.6882 | 0.00 | -27.19 | 0.0447 | -45.83 | -13.46 | -1.12 | -- |
Data as of Nov 13 2024. Currency figures normalised to Credit Acceptance Corp's reporting currency: US Dollar USD
45.78%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Prescott General Partners LLCas of 18 Sep 2024 | 1.55m | 12.82% |
| Cerity Partners LLCas of 30 Jun 2024 | 798.03k | 6.59% |
| Ruane, Cunniff & Goldfarb LPas of 30 Jun 2024 | 708.93k | 5.85% |
| Wellington Management Co. LLPas of 30 Jun 2024 | 576.51k | 4.76% |
| The Vanguard Group, Inc.as of 30 Jun 2024 | 474.67k | 3.92% |
| Gobi Capital LLCas of 30 Jun 2024 | 374.52k | 3.09% |
| Beck, Mack & Oliver LLCas of 30 Jun 2024 | 361.69k | 2.99% |
| BlackRock Fund Advisorsas of 30 Jun 2024 | 263.33k | 2.17% |
| Cantillon Capital Management LLCas of 30 Sep 2024 | 227.06k | 1.88% |
| Smead Capital Management, Inc.as of 30 Sep 2024 | 207.83k | 1.72% |
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Data from 30 Jun 2024 - 30 Sep 2024Source: FactSet Research Systems Inc.
