Credit Acceptance Financial Ratios for Analysis 2009-2024 | CACC

Prices Financials Revenue & Profit Assets & Liabilities Margins Price Ratios Other Ratios Other Metrics

Income Statement Balance Sheet Cash Flow Stmt Key Financial Ratios

Fifteen years of historical annual and quarterly financial ratios and margins for Credit Acceptance (CACC).

Annual Data

Metric Name
Current Ratio
Long-term Debt / Capital
Debt/Equity Ratio
Gross Margin
Operating Margin
EBIT Margin
EBITDA Margin
Pre-Tax Profit Margin
Net Profit Margin
Asset Turnover
Inventory Turnover Ratio
Receiveable Turnover
Days Sales In Receivables
ROE - Return On Equity
Return On Tangible Equity
ROA - Return On Assets
ROI - Return On Investment
Book Value Per Share
Operating Cash Flow Per Share
Free Cash Flow Per Share

2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
15.71	23.10	39.04	26.16	35.47	17.07	24.00	24.92	17.97	11.54	10.08	13.38	12.11	6.14	6.54
0.74	0.74	0.72	0.66	0.66	0.65	0.67	0.69	0.68	0.70	0.63	0.66	0.64	0.54	0.45
2.89	2.83	2.53	2.00	1.93	1.92	2.00	2.22	2.23	2.50	1.86	2.01	1.85	1.45	1.02
100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00
37.15	50.46	78.87	47.13	72.80	72.93	65.47	67.57	70.73	74.55	73.89	72.44	73.12	73.44	73.75
37.15	50.46	78.87	47.13	72.80	72.93	65.47	67.57	70.73	74.55	73.89	72.44	73.12	73.44	73.75
38.55	51.86	80.29	48.56	74.30	74.44	66.95	69.15	72.45	76.38	75.82	74.44	75.02	75.93	76.29
19.33	38.84	67.94	32.92	57.48	58.73	52.59	54.81	57.49	58.18	58.38	56.32	56.44	57.34	60.17
15.04	29.24	51.63	25.22	44.06	44.64	42.36	34.34	36.31	36.79	37.11	36.06	35.80	38.48	38.42
0.25	0.27	0.26	0.22	0.20	0.21	0.22	0.23	0.24	0.26	0.28	0.29	0.30	0.33	0.32
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
442	211	17.00	11.36	22.49	163	505	421	82.53	517	620	554	1,050	36.84	96.22
0.83	1.73	21.48	32.14	16.23	2.24	0.72	0.87	4.42	0.71	0.59	0.66	0.35	9.91	3.79
16.31	32.99	52.53	18.28	27.86	28.83	30.62	28.35	32.29	37.91	33.74	35.33	34.81	35.85	29.31
16.31	32.99	52.53	18.28	27.86	28.83	30.62	28.35	32.29	37.91	33.74	35.33	34.81	35.85	29.31
3.76	7.76	13.59	5.62	8.84	9.20	9.43	7.89	8.89	9.56	10.40	10.30	10.69	12.66	12.42
4.24	8.66	14.89	6.18	9.52	10.18	10.24	8.81	10.20	11.40	12.41	12.01	12.58	16.62	16.09
140	127	129	135	128	105	79.53	59.05	46.10	34.09	32.69	25.79	21.07	17.38	16.05
92.52	90.91	66.42	54.93	42.81	36.04	28.94	24.85	19.27	16.35	13.57	12.06	10.36	6.69	5.06
92.22	90.69	65.95	54.46	41.39	34.75	28.51	24.58	19.07	16.16	13.33	11.71	10.13	6.58	4.97

Quarterly Data

Metric Name
Current Ratio
Long-term Debt / Capital
Debt/Equity Ratio
Gross Margin
Operating Margin
EBIT Margin
EBITDA Margin
Pre-Tax Profit Margin
Net Profit Margin
Asset Turnover
Inventory Turnover Ratio
Receiveable Turnover
Days Sales In Receivables
ROE - Return On Equity
Return On Tangible Equity
ROA - Return On Assets
ROI - Return On Investment
Book Value Per Share
Operating Cash Flow Per Share
Free Cash Flow Per Share

2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31
19.15	13.79	15.71	18.50	16.47	17.48	23.10	15.89	15.39	21.07	39.04	21.99	34.07	35.08	26.16	23.45	21.20	28.62	35.47	29.49	28.16	31.27	17.07	36.75	33.69	22.16	24.00	17.63	33.28	14.64	24.92	18.34	28.00	21.80	17.97	26.25	19.62	21.08	11.54	20.27	11.77	10.91	10.08	11.50	8.60	8.94	13.38	9.16	9.33	6.48	12.11	8.49	6.86	5.99	6.14	7.05	14.52	8.51	6.54	6.22	5.70	5.63
0.79	0.77	0.74	0.74	0.72	0.73	0.74	0.74	0.75	0.74	0.72	0.70	0.67	0.67	0.66	0.66	0.69	0.71	0.66	0.64	0.65	0.67	0.65	0.66	0.67	0.67	0.67	0.68	0.71	0.70	0.69	0.68	0.70	0.70	0.68	0.69	0.69	0.72	0.70	0.69	0.70	0.67	0.63	0.66	0.66	0.67	0.66	0.66	0.67	0.63	0.64	0.64	0.65	0.66	0.54	0.58	0.46	0.47	0.45	0.49	0.54	0.59
3.82	3.40	2.89	2.90	2.72	2.74	2.83	2.91	3.15	2.91	2.53	2.36	2.00	1.99	2.00	2.00	2.32	2.46	1.93	1.78	1.91	2.07	1.92	1.97	2.03	2.08	2.00	2.22	2.42	2.50	2.22	2.15	2.35	2.35	2.23	2.23	2.25	2.55	2.50	2.22	2.46	2.18	1.86	2.08	2.15	2.17	2.01	2.11	2.10	1.98	1.85	1.96	2.12	2.24	1.45	1.60	0.85	0.94	1.02	1.21	1.45	1.70
100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00
17.32	38.56	43.45	38.34	23.10	43.87	48.98	38.41	42.24	72.39	71.85	81.26	91.58	70.31	60.42	88.14	45.61	-11.49	71.26	73.33	73.77	72.89	72.87	74.25	77.36	66.78	55.59	69.07	69.96	67.66	67.68	68.21	69.60	64.63	70.71	69.79	71.98	70.44	75.04	76.06	74.25	72.81	74.44	74.87	73.26	72.92	72.63	70.13	74.97	72.05	74.31	75.99	71.83	70.02	75.21	74.64	76.21	67.18	77.16	75.39	74.90	66.77
17.32	38.56	43.45	38.34	23.10	43.87	48.98	38.41	42.24	72.39	71.85	81.26	91.58	70.31	60.42	88.14	45.61	-11.49	71.26	73.33	73.77	72.89	72.87	74.25	77.36	66.78	55.59	69.07	69.96	67.66	67.68	68.21	69.60	64.63	70.71	69.79	71.98	70.44	75.04	76.06	74.25	72.81	74.44	74.87	73.26	72.92	72.63	70.13	74.97	72.05	74.31	75.99	71.83	70.02	75.21	74.64	76.21	67.18	77.16	75.39	74.90	66.77
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
-10.28	17.01	23.68	20.16	5.84	27.94	35.51	26.53	31.07	62.43	61.46	70.67	80.50	58.60	48.30	74.65	31.45	-28.99	55.77	57.86	58.10	58.31	58.63	59.76	62.78	53.35	42.60	56.39	56.92	54.87	55.27	55.35	56.48	51.95	57.81	56.09	57.80	58.34	62.88	63.46	60.73	45.22	59.04	59.18	57.50	57.74	57.31	53.82	58.76	55.34	57.86	58.82	54.35	54.46	59.98	58.39	59.61	50.80	63.62	62.14	61.79	52.29
-8.75	12.66	19.04	14.79	4.65	21.93	27.73	18.86	23.48	47.03	46.98	53.18	61.18	44.81	37.17	56.76	23.73	-21.54	41.95	43.68	44.36	46.47	44.31	45.48	47.88	40.63	61.64	35.47	35.91	35.50	34.19	34.83	35.60	32.65	36.73	35.20	36.53	36.82	39.44	40.73	38.60	28.15	37.59	37.70	36.30	36.79	37.60	33.98	37.29	35.32	36.24	37.36	34.50	34.97	40.73	37.66	43.87	31.00	40.28	40.63	39.17	33.00
0.07	0.06	0.06	0.06	0.07	0.06	0.07	0.07	0.07	0.06	0.07	0.07	0.06	0.06	0.06	0.06	0.06	0.05	0.05	0.05	0.05	0.05	0.06	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.08	0.07	0.08	0.08	0.08	0.08	0.09	0.09	0.09	0.08	0.09	0.09	0.08	0.07
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
13.49	45.77	114	33.70	34.88	41.25	52.76	15.87	8.76	8.61	4.24	18.80	26.35	4.59	3.04	49.02	11.19	6.53	5.83	35.06	17.00	47.17	43.39	16.44	12.32	118	131	51.62	32.86	82.13	111	45.67	23.85	11.51	21.78	701	18.98	194	132	130	112	88.45	159	144	212	275	145	-	290	351	276	268	47.71	174	9.61	16.01	15.98	131	25.31	22.48	-	-
6.67	1.97	0.79	2.67	2.58	2.18	1.71	5.67	10.27	10.45	21.22	4.79	3.42	19.62	29.57	1.84	8.04	13.79	15.44	2.57	5.29	1.91	2.07	5.48	7.31	0.76	0.69	1.74	2.74	1.10	0.81	1.97	3.77	7.82	4.13	0.13	4.74	0.46	0.68	0.69	0.80	1.02	0.56	0.63	0.43	0.33	0.62	-	0.31	0.26	0.33	0.34	1.89	0.52	9.36	5.62	5.63	0.69	3.56	4.00	-	-
-3.03	3.89	5.34	4.16	1.27	5.77	7.84	5.46	7.07	13.16	11.93	12.80	12.06	8.53	7.22	10.49	4.67	-4.26	6.87	6.94	7.42	8.02	7.63	7.69	8.34	7.25	11.53	7.45	7.94	8.02	7.46	7.37	7.88	7.50	8.62	7.95	8.69	9.20	10.40	9.89	10.32	6.97	8.79	9.44	9.41	9.70	9.63	8.85	10.47	8.79	9.26	10.13	10.15	10.93	9.90	9.91	8.44	6.03	8.04	9.04	8.88	7.88
-3.03	3.89	5.34	4.16	1.27	5.77	7.84	5.46	7.07	13.16	11.93	12.80	12.06	8.53	7.22	10.49	4.67	-4.26	6.87	6.94	7.42	8.02	7.63	7.69	8.34	7.25	11.53	7.45	7.94	8.02	7.46	7.37	7.88	7.50	8.62	7.95	8.69	9.20	10.40	9.89	10.32	6.97	8.79	9.44	9.41	9.70	9.63	8.85	10.47	8.79	9.26	10.13	10.15	10.93	9.90	9.91	8.44	6.03	8.04	9.04	8.88	7.88
-0.57	0.79	1.23	0.96	0.31	1.39	1.84	1.26	1.54	3.04	3.09	3.47	3.70	2.62	2.22	3.26	1.31	-1.15	2.18	2.34	2.38	2.44	2.44	2.42	2.57	2.17	3.55	2.09	2.10	2.05	2.08	2.10	2.11	2.01	2.37	2.19	2.37	2.29	2.62	2.72	2.64	1.94	2.71	2.73	2.66	2.70	2.81	2.52	2.83	2.57	2.84	2.99	2.84	2.89	3.50	3.27	3.91	2.61	3.41	3.46	3.09	2.47
-0.64	0.91	1.39	1.08	0.35	1.58	2.06	1.44	1.76	3.42	3.38	3.85	4.02	2.85	2.44	3.56	1.44	-1.25	2.35	2.52	2.57	2.62	2.69	2.59	2.76	2.36	3.86	2.39	2.32	2.37	2.32	2.39	2.35	2.27	2.72	2.46	2.70	2.59	3.13	3.08	3.12	2.31	3.23	3.20	3.22	3.25	3.27	3.03	3.41	3.28	3.35	3.67	3.59	3.76	4.59	4.20	4.58	3.20	4.41	4.57	4.09	3.24
128	135	140	135	136	134	127	123	117	122	129	133	150	142	135	131	117	111	128	127	118	109	105	102	93.71	85.79	79.53	70.01	64.64	60.01	59.05	57.34	53.04	48.77	46.10	45.21	41.46	37.74	34.09	34.66	31.16	31.76	32.69	29.97	28.09	26.48	25.79	24.35	22.02	22.34	21.07	19.22	17.24	15.45	17.38	15.64	18.75	17.11	16.05	14.57	13.19	11.94
41.85	24.51	92.52	68.45	44.21	22.68	90.91	71.23	46.28	26.22	66.42	59.28	39.81	19.02	54.93	43.87	28.37	12.72	42.81	32.08	21.14	12.09	36.04	25.73	15.92	10.65	28.94	21.35	13.41	8.19	24.85	17.83	11.21	4.48	19.27	14.33	9.04	5.60	16.35	12.35	7.69	3.97	13.57	9.34	5.86	3.31	12.06	8.75	5.84	3.39	10.36	7.74	5.36	3.13	6.69	5.30	3.23	2.15	5.06	4.08	2.60	1.59
42.05	24.49	92.22	68.28	44.03	22.61	90.69	71.09	46.21	26.11	65.95	58.89	39.62	18.97	54.46	43.43	28.02	12.48	41.39	30.84	20.28	11.84	34.75	24.59	15.65	10.59	28.51	21.00	13.15	8.03	24.58	17.66	11.07	4.39	19.07	14.18	8.94	5.54	16.16	12.19	7.55	3.88	13.33	9.16	5.73	3.26	11.71	8.47	5.60	3.24	10.13	7.61	5.26	3.07	6.58	5.25	3.17	2.12	4.97	4.02	2.55	1.56