Credit Acceptance Corp Ratios

Ratios Dec2009 Dec2010 Dec2011 Dec2012 Dec2013 Dec2014 Dec2015 Dec2016 Dec2017 Dec2018 Dec2019 Dec2020 Dec2021 Dec2022 Dec2023 Dec2024
Profitability
Gross Margin 94.93%94.71%94.21%94.29%94.02%94.47%94.44%94.90%94.74%94.73%95.29%95.84%96.48%95.87%95.18%95.63%
EBT Margin 60.17%57.34%56.44%56.32%58.38%58.18%57.49%54.81%52.59%58.73%57.48%32.92%67.94%38.84%19.33%15.24%
EBIT Margin 55.10%52.05%50.65%50.61%52.40%52.65%51.93%49.71%47.33%53.46%52.77%28.75%64.42%34.71%14.51%10.87%
EBITDA Margin 55.10%52.05%50.65%50.61%52.40%52.65%51.93%49.71%47.33%53.46%52.77%28.75%64.42%34.71%14.51%10.87%
Operating Margin 55.10%52.05%50.65%50.61%52.40%52.65%51.93%49.71%47.33%53.46%52.77%28.75%64.42%34.71%14.51%10.87%
Net Margin 0.05%-0.01%35.80%36.06%37.11%36.79%36.31%34.34%42.36%44.64%44.06%25.22%51.63%29.24%15.04%11.46%
FCF Margin 41.36%44.61%51.29%49.21%46.93%49.88%48.49%51.76%50.23%52.79%52.75%58.51%57.21%67.43%63.08%52.54%
Efficiency
Assets Average 1,551.06M1,945.90M2,283.30M2,609.40M3,079.00M3,795.30M4,601.80M5,611.50M6,830.30M7,456.10M7,269.95M6,977.80M7,257.45M8,232.40M
Equity Average 486.35M507.25M580.95M686.00M726.15M815.15M1,050.90M1,354.75M1,763.35M2,173.10M2,328.90M2,063.35M1,724.10M1,688.85M1,751.65M
Invested Capital 498.20M474.50M540.00M621.90M750.10M702.20M928.10M1,173.70M1,535.80M1,990.90M2,355.30M2,302.50M1,824.20M1,624.00M1,753.70M1,749.60M
Asset Utilization Ratio 0.340.310.300.280.270.260.240.230.220.220.260.260.260.26
Leverage & Solvency
Interest Coverage Ratio 6.474.814.654.865.506.725.644.934.374.394.002.507.283.821.040.56
Debt to Equity 0.511.111.371.251.901.581.761.640.150.130.132.092.312.283.06
Debt Ratio 0.180.340.400.380.480.440.490.500.050.040.040.540.540.520.61
Equity Ratio 0.350.310.290.310.250.280.280.310.320.320.310.260.240.230.20
Times Interest Earned 6.474.814.654.865.506.725.644.934.374.394.002.507.283.821.040.56
Valuation
Enterprise Value 1,302.20M1,699.06M2,106.33M2,441.26M2,927.44M2,750.16M4,353.57M4,361.70M6,192.17M7,287.29M8,067.67M6,027.06M7,611.72M6,123.78M6,681.44M5,342.47M
Market Capitalization 1,304.40M1,703.66M2,111.83M2,496.36M2,985.24M2,809.76M4,408.17M4,421.60M6,246.47M7,371.59M8,314.37M6,109.16M7,635.02M6,131.48M6,694.64M5,686.17M
Return Ratios
Return on Sales 0.00%0.00%0.36%0.36%0.37%0.37%0.36%0.34%0.42%0.45%0.44%0.25%0.52%0.29%0.15%0.11%
Return on Invested Capital 0.32%0.33%0.34%0.33%0.33%0.33%0.29%0.31%0.30%0.28%0.16%0.44%0.28%0.13%0.10%
Return on Assets 0.12%0.11%0.11%0.10%0.10%0.09%0.10%0.10%0.10%0.06%0.13%0.08%0.04%0.03%
Return on Equity 0.00%0.37%0.38%0.37%0.37%0.37%0.32%0.35%0.33%0.30%0.18%0.46%0.31%0.17%0.14%