Lumida
/CACC
⌘K
Credit Acceptance Corp

Credit Acceptance Corp

CACC
$604.24USD-0.20%-1.22 today

MARKET CAP

6.3B

P/E (TTM)

14.7x

FWD P/E

11.5x

DAY RANGE

$599 – $612

52W RANGE

$402
$669

AI Summary

Stalk
StalkMedium

Price is consolidating around the converged 9/20 EMA and 50 SMA following a Bullish Pivot Point, signaling structural repair and mean-reversion upside. Medium-term bias remains bullish, but short-term timing is neutral while price holds in the EMA zone. Deferred buy entries into pullbacks near support are advised ahead of a decisive break above resistance.

  • Q2 GAAP net income rose 71% YoY to $135.9M; EPS $12.66.
  • Provision for credit losses declined while yields on new loans improved.
  • Forecasted loan portfolio cash flows decline 0.3%; prepayments slower than expected.
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$1.8B$1.7B$1.9B$2.2B$2.3B
YoY %+11.3%-3.0%+8.7%+13.7%+7.2%
P / Sales6.1x3.6x3.7x2.7x2.2x
EV / Sales9.0x6.6x6.8x5.8x5.3x
Gross Profit, Adj.$1.6B$1.6B$1.6B$1.7B$1.9B
YoY %+14.8%-3.4%+3.3%+6.6%+6.4%
Margin %90.9%90.5%86.0%80.6%80.0%
EV / Gross Profit9.9x7.3x7.9x7.2x6.6x
EBITDA, Adj.$1.2B$628.3M$369.4M$329.5M$566.6M
YoY %+138.1%-48.0%-41.2%-10.8%+72.0%
Margin %67.0%35.9%19.4%15.2%24.5%
EV / EBITDA13.5x18.3x34.8x38.3x21.6x
EBIT$1.2B$628.3M$367.6M$329.5M$565.4M
YoY %+141.6%-48.0%-41.5%-10.4%+71.6%
Margin %67.0%35.9%19.3%15.2%24.4%
EV / EBIT13.5x18.3x35.0x38.3x21.7x
Net Income$958.3M$535.8M$286.1M$247.9M$423.9M
YoY %+127.6%-44.1%-46.6%-13.4%+71.0%
Net Margin53.2%30.6%15.0%11.5%18.3%
EPS (GAAP)$59.52$39.32$21.99$19.88$36.38
YoY %+153.6%-33.9%-44.1%-9.6%+83.0%