Credit Acceptance Corporation cash flow to debt ratio of 16.60% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Credit Acceptance Corporation's free cash flow has decreased 7.31% from $1.14B last year to $1.05B, signaling decreasing performance

Credit Acceptance Corporation's debt to equity ratio is 3.96, which means that the company's assets are unhealthy financed, signaling financial risk.

Credit Acceptance Corporation's debt has increased relative to shareholder equity from 3.63 last year to 3.96 today, signaling weakened financials

Credit Acceptance Corporation has a net debt to EBITDA ratio of 5.53x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Credit Acceptance Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

Credit Acceptance Corporation's profit margin has increased (85.96%) in the last year from 11.62% to 21.60%, signaling increasing performance

Credit Acceptance Corporation's short-term liabilities of $2.18B exceed its short-term assets of $577.50M, signaling financial risk

Credit Acceptance Corporation's return on assets of 5.82% is higher than the 5.00% threshold, indicating efficient asset utilization

Credit Acceptance Corporation's return on equity of 32.35%, is higher than 15.00%, indicating good performance

Credit Acceptance Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Credit Acceptance Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Credit Acceptance Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

Credit Acceptance Corporation has a free cash flow yield of 17.32%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Credit Acceptance Corporation's yearly earnings has increased 71.00% since last year from $247.90M to $423.90M, signaling increasing performance

Credit Acceptance Corporation's yearly revenue has increased 8.57% since last year from $2.13B to $2.32B, signaling increasing performance

ROIC 11.20% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

Credit Acceptance Corporation's 3-year revenue CAGR of 8.32% is positive, indicating growing revenue over the past 3 years

Credit Acceptance Corporation had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Credit Acceptance Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Credit Acceptance Corporation is undervalued relative to its fair value price of 661.69 based on Discounted Cash Flow model

Credit Acceptance Corporation has an earnings yield of 8.24%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Credit Acceptance Corporation is overvalued relative to its fair value price of 140.32 based on EBITDA multiple model

Credit Acceptance Corporation has an EV/EBITDA ratio of 11.28x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Credit Acceptance Corporation is undervalued relative to its fair value price of 1.33K based on Earnings Fair Value model

Credit Acceptance Corporation has a PEG-ratio over 1 which is considered overvalued

Credit Acceptance Corporation has a price-to-book ratio of 3.83x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Credit Acceptance Corporation has a price-to-sales ratio of 2.62x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue