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Credit Acceptance Corp

NAS:CACCFinancial ServicesNASDAQ:NQUSSGNASDAQ:OFIN

$534.20−1.25%At closeAt close · Tue 20 Oct · ≈ AED 1,961.85 · Market cap $5.55B · Next earnings Thu 29 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	75.0%	77.2%	73.9%	67.2%	62.4%	98.7%	—	—
Operating margin	0.0%	67.8%	38.5%	18.5%	15.2%	47.6%	47.6%	+0.0 pts
Net margin	25.3%	51.8%	29.4%	15.2%	11.6%	18.3%	18.3%	+0.0 pts
EBITDA margin	34.6%	69.3%	39.9%	19.9%	16.5%	45.6%	—	—
Return on equity	18.3%	52.5%	33.0%	16.3%	14.2%	27.8%	27.8%	+0.0 pts
Return on assets	5.6%	13.6%	7.0%	3.4%	2.5%	4.4%	4.4%	+0.0 pts
Return on capital employed	0.0%	18.3%	9.2%	4.1%	3.3%	14.9%	—	—
Debt / equity	2.0×	2.5×	2.8×	2.9×	3.6×	4.2×	4.2×	+0.0%
Debt / assets	62.8%	65.5%	60.1%	60.4%	65.2%	66.2%	—	—
Interest coverage	0.0×	0.0×	0.0×	0.0×	0.0×	2.4×	—	—
Current ratio	39.2×	39.3×	—	—	—	0.3×	0.3×	+0.0%
Quick ratio	39.2×	39.3×	—	—	—	0.3×	—	—
Cash ratio	0.1×	0.1×	—	—	—	0.2×	0.2×	+0.0%
Asset turnover	0.2×	0.3×	0.2×	0.2×	0.2×	0.2×	—	—
Receivables turnover	0.2×	0.3×	209.5×	437.2×	508.2×	34.5×	—	—
Dividend payout	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—