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ISIN
US2253101016
CUSIP
225310101
IPO Date
Jun 5, 1992

Highlights

Market Cap
$6.33B
Enterprise Value
$5.77B
EPS (TTM)
$40.03
PE Ratio
14.43
PEG Ratio
16.61
Total Revenue (TTM)
$2.31B
Gross Profit (TTM)
$1.28B
EBITDA (TTM)
$543.60M
Year Range
$401.90 - $588.71
Target Price
$540.00
ROA (TTM)
5.21%
ROE (TTM)
29.95%

Share Price Chart


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Credit Acceptance Corporation

Performance

CACC Performance Chart

Credit Acceptance Corporation (CACC) is up 30.2% since the beginning of the year. At $578 per share, CACC is trading just below its 52-week high of $589. Investors who bought $1,000 worth of CACC shares 5 years ago would now be looking at an investment worth $1,313.


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S&P 500 Index

Returns By Period

Credit Acceptance Corporation (CACC) has returned 30.23% so far this year and 14.99% over the past 12 months. Over the last ten years, CACC has returned 12.83% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.


Credit Acceptance Corporation

1D
-0.38%
1M
6.01%
YTD
30.23%
6M
24.51%
1Y
14.99%
3Y*
4.82%
5Y*
5.59%
10Y*
12.83%

Benchmark (S&P 500 Index)

1D
-0.37%
1M
-0.01%
YTD
9.16%
6M
8.64%
1Y
25.22%
3Y*
19.78%
5Y*
11.99%
10Y*
13.88%
*Multi-year figures are annualized to reflect compound growth (CAGR)

CACC Monthly Returns History

Based on dividend-adjusted daily data since Jun 5, 1992, CACC's average daily return is +0.12%, while the average monthly return is +2.18%. At this rate, an investment would double in approximately 2.7 years.

Historically, 57% of months were positive and 43% were negative. The best month was Apr 2003 with a return of +54.3%, while the worst month was Oct 1997 at -60.2%. The longest winning streak lasted 9 consecutive months, and the longest losing streak was 6 months.

On a daily basis, CACC closed higher 48% of trading days. The best single day was Oct 29, 1997 with a return of +75.0%, while the worst single day was Oct 28, 1997 at -49.5%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
202612.35%-5.03%-10.51%19.23%13.61%0.68%30.23%
20258.16%-3.03%4.87%-5.60%-2.08%6.73%-3.76%4.99%-9.29%-4.20%3.27%-4.01%-5.54%
20241.57%2.32%-0.37%-6.86%-4.46%4.86%11.70%-18.85%-4.95%-4.15%17.11%-5.67%-11.88%
2023-2.48%-3.96%-1.87%12.26%-8.95%13.97%9.58%-9.85%-8.30%-12.54%13.56%16.57%12.30%
2022-21.54%1.96%0.05%-6.88%16.16%-20.48%21.65%-7.61%-17.68%6.31%1.79%0.09%-31.01%
202111.45%-5.90%-0.77%9.59%13.34%1.49%6.75%19.58%0.97%2.21%4.46%10.05%98.67%

Benchmark Metrics

Credit Acceptance Corporation has an annualized alpha of 23.04%, beta of 1.00, and R2 of 0.11 versus S&P 500 Index. Calculated based on daily prices since June 05, 1992.

  • This stock captured 144.49% of S&P 500 Index gains and 103.85% of its losses - amplifying both gains and losses, but participating more in upside than downside.
  • R2 of 0.11 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
23.04%
Beta
1.00
0.11
Upside Capture
144.49%
Downside Capture
103.85%

Return for Risk

Risk / Return Rank

CACC ranks 53 for risk / return — on par with similar stocks. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.


CACC Risk / Return Rank: 5353
Overall Rank
CACC Sharpe Ratio Rank: 5555
Sharpe Ratio Rank
CACC Sortino Ratio Rank: 5050
Sortino Ratio Rank
CACC Omega Ratio Rank: 5050
Omega Ratio Rank
CACC Calmar Ratio Rank: 5656
Calmar Ratio Rank
CACC Martin Ratio Rank: 5656
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for Credit Acceptance Corporation (CACC) and compare them to S&P 500 Index.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.


CACCBenchmarkDifference
Sharpe ratioReturn per unit of total volatility

-1.66

Sortino ratioReturn per unit of downside risk

-2.00

Omega ratioGain probability vs. loss probability

1.10

1.37

-0.27

Calmar ratioReturn relative to maximum drawdown

0.62

2.78

-2.17

Martin ratioReturn relative to average drawdown

1.25

12.44

-11.19

Dividends

Dividend History


Credit Acceptance Corporation doesn't pay dividends

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the Credit Acceptance Corporation. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Credit Acceptance Corporation was 90.00%, occurring on Oct 28, 1997. Recovery took 2180 trading sessions.

The current Credit Acceptance Corporation drawdown is 17.05%.


Related event

Drawdown

Fall

Recovery

Underwater

1997 bear market1997
-90.00%Oct 1997
2y 27d8y 8mo
10y 9moOct 1995 - Jun 2006
Financial crisis2007–2009
-66.00%Oct 2008
2y 11d11mo 15d
2y 11moOct 2006 - Oct 2009
COVID crash2020
-56.93%Apr 2020
11mo 10d4mo 5d
1y 3moApr 2019 - Aug 2020
2023 bear market2023
-45.68%Jan 2023
1y 2mo
4y 7moNov 2021 - now
2020 bear market2020
-45.03%Nov 2020
3mo 14d8mo 12d
11mo 26dAug 2020 - Aug 2021

Drawdown Indicators


CACCBenchmarkDifference

Max Drawdown

Largest peak-to-trough decline

-90.00%

-56.78%

-33.22%

Max Drawdown (1Y)

Largest decline over 1 year

-24.41%

-9.10%

-15.31%

Max Drawdown (3Y)

Largest decline over 3 years

-32.74%

-18.90%

-13.84%

Max Drawdown (5Y)

Largest decline over 5 years

-45.68%

-25.43%

-20.25%

Max Drawdown (10Y)

Largest decline over 10 years

-56.93%

-33.92%

-23.01%

Current Drawdown

Current decline from peak

-17.05%

-1.80%

-15.25%

Average Drawdown

Average peak-to-trough decline

-30.70%

-10.71%

-19.99%

Ulcer Index

Depth and duration of drawdowns from previous peaks

12.01%

2.03%

+9.98%

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of Credit Acceptance Corporation over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how Credit Acceptance Corporation is priced in the market compared to other companies in the Credit Services industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for CACC, comparing it with other companies in the Credit Services industry. Currently, CACC has a P/E ratio of 14.4. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for CACC compared to other companies in the Credit Services industry. CACC currently has a PEG ratio of 16.6. This PEG ratio is higher than the industry average, which may suggest the stock is overvalued relative to its expected earnings growth.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for CACC relative to other companies in the Credit Services industry. Currently, CACC has a P/S ratio of 2.8. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for CACC in comparison with other companies in the Credit Services industry. Currently, CACC has a P/B value of 4.2. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items
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