Credit Acceptance (CACC) Fundamental Analysis: Revenue, Earnings & Valuation

2.97 / 10

Underperform

Fundamental rating is Underperform with a 3/10 score. Asset‑MV and Cash‑MV are negative, while Total assets turnover, operating revenue growth, net cash flow, profit margins and profit/EBIT ratios show modest strength. Overall quality is guarded.

Analysis Checks(5/10)

Gross profit margin (%)

Value100.00

Score1/3

Weight1.47%

1M Return0.72%

Total profit (YoY growth rate %)

Value71.59

Score1/3

Weight7.65%

1M Return3.24%

Net cash flow from operating activities (YoY growth rate %)

Value-7.32

Score2/3

Weight14.70%

1M Return6.03%

Net profit margin (%)

Value18.95

Score2/3

Weight9.01%

1M Return3.94%

Total profit / EBIT (%)

Value54.98

Score3/3

Weight18.46%

1M Return7.57%

Operating revenue (YoY growth rate %)

Value7.11

Score2/3

Weight23.71%

1M Return10.24%

Total assets turnover ratio

Value0.26

Score2/3

Weight9.90%

1M Return4.42%

EBIT / Total operating revenue (%)

Value44.38

Score1/3

Weight4.24%

1M Return1.87%

Asset-MV

Value-0.55

Score1/3

Weight15.42%

1M Return6.37%

Cash-MV

Value0.68

Score1/3

Weight-4.56%

1M Return-3.14%

Is CACC undervalued or overvalued?

CACC scores 2.97/10 on fundamentals and holds a Premium valuation at present. Backed by its 25.90% ROE, 18.29% net margin, 10.64 P/E ratio, 2.96 P/B ratio, and 84.00% earnings growth, these metrics solidify its Underperform investment rating.