Credit Stock Analysis

CACC -  USA Stock  

USD 546.66  4.07  0.74%

Credit Acceptance price slip over the last few months could raise concerns from investors as the firm it trading at a share price of 546.66 on 82,129 in volume. The company directors and management were not very successful in positioning the firm resources to exploit market volatility in December. However, diversifying your holdings with Credit Acceptance or similar stocks can still protect your portfolio during high-volatility market scenarios. The stock standard deviation of daily returns for 90 days investing horizon is currently 2.35. The current volatility is consistent with the ongoing market swings in December 2021 as well as with Credit Acceptance unsystematic, company-specific events.
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Credit Stock Analysis 

 
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The Credit Acceptance stock analysis report makes it easy to digest most publicly released information about Credit Acceptance and get updates on important government artifacts, including earning estimates, SEC corporate filings, and announcements. Credit Stock analysis module also helps to analyze the Credit Acceptance price relationship with some important fundamental indicators such as market cap and management efficiency.

Credit Stock Analysis Notes

About 32.0% of the company shares are held by company insiders. The book value of Credit Acceptance was currently reported as 129.46. The company has Price/Earnings To Growth (PEG) ratio of 0.55. Credit Acceptance recorded earning per share (EPS) of 53.74. The entity had not issued any dividends in recent years. The firm had 2:1 split on the 21st of December 1994. Credit Acceptance Corporation provides financing programs, and related products and services to independent and franchised automobile dealers in the United States. Credit Acceptance Corporation was founded in 1972 and is headquartered in Southfield, Michigan. Credit Acceptance operates under Credit Services classification in the United States and is traded on NASDAQ Exchange. It employs 2033 people. For more info on Credit Acceptance please contact Brett Roberts at 248 353-2700 or go to https://www.creditacceptance.com.

Credit Acceptance Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Credit Acceptance's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Credit Acceptance or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
Credit Acceptance generated a negative expected return over the last 90 days
About 68.0% of the company shares are held by institutions such as insurance companies
Latest headline from www.nasdaq.com: Resources Connection, Inc. Updates 1 Key Risk Factor - Nasdaq

Credit Acceptance Upcoming and Recent Events

Earnings reports are used by Credit Acceptance to provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Credit Acceptance previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
Upcoming Quarterly Report7th of February 2022
Next Earnings Report5th of May 2022
Next Fiscal Quarter End31st of December 2021
Next Fiscal Year End7th of February 2022
Last Quarter Report30th of September 2021
Last Earning Announcement31st of December 2020

Credit Largest EPS Surprises

Earnings surprises can significantly impact Credit Acceptance's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2001-07-18
2001-06-300.160.180.0212 
1998-10-28
1998-09-300.10.120.0220 
1998-07-22
1998-06-300.140.160.0214 
View All Earnings Estimates

Credit Acceptance SEC Filings

SEC filings are important regulatory documents required of all public companies to provide to potential investors. Credit Acceptance prospectus issued under the guidelines of SEC is a legal declaration of facts and statements to ensure that Credit Acceptance investors are not misled. SEC filings are required by law to meet strict transparency standards and other important legal constraints. Although many companies may choose careful wording to disguise some material information, SEC filings make crucial Credit Acceptance specific information freely available to individual and institutional investors to make a timely investment decision.
20th of December 2021
Other Events
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7th of December 2021
Financial Statements and Exhibits. Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. Entry into a Material Definitive Agreement
View
4th of November 2021
Financial Statements and Exhibits. Other Events. Amendments to Articles of Incorporation or Bylaws; and/or Change in Fiscal Year
View
2nd of November 2021
Financial Statements and Exhibits. Other Events. Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. Entry into a Material Definitive Agreement
View
1st of November 2021
Financial Statements and Exhibits. Results of Operations and Financial Condition
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21st of October 2021
Financial Statements and Exhibits. Other Events. Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. Entry into a Material Definitive Agreement
View
12th of October 2021
Financial Statements and Exhibits. Other Events. Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. Entry into a Material Definitive Agreement
View
1st of October 2021
Other Events
View

Credit Acceptance Thematic Classifications

In addition to having Credit Acceptance stock in your portfolios, you can add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your favorite investment opportunity, you can then obtain an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility. If you are a result-oriented investor, you can benefit from optimizing one of our existing themes to build an efficient portfolio against your specific investing outlook.

Credit Market Capitalization

The company currently falls under 'Mid-Cap' category with current market capitalization of 8.05 B. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Credit Acceptance's market, we take the total number of its shares issued and multiply it by Credit Acceptance's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and these looking for more risk prefer small-cap and mid-cap equities.

Credit Profitablity

Credit Acceptance's profitability indicators refer to fundamental financial ratios that showcase Credit Acceptance's ability to generate income relative to its revenue or operating costs. If, let's say, Credit Acceptance is currently losing money, the management's focus should be on how to reverse that trend. However, when revenue exceeds expenses, Credit Acceptance's executives or investors may be in less hurry to break that information down - which is where profitability analysis comes into play. Gaining a greater understanding of Credit Acceptance's profitability requires more research than a typical breakdown of Credit Acceptance's financial statements. By doing a profitability analysis, companies can identify areas needing attention, and investors can make a profitable trade.
The company has Profit Margin (PM) of 56.89 %, which can signify that it executes well on its competitive strategies and has good control over its expenditures. This is very large. Similarly, it shows Operating Margin (OM) of 74.78 %, which suggests for every 100 dollars of sales, it generated a net operating income of 0.75.
Last ReportedProjected for 2022
Return on Investment 12.35  18.18 
Return on Average Assets 0.05  0.07 
Return on Average Equity 0.18  0.23 
Return on Invested Capital 0.06  0.08 
Return on Sales 0.40  0.48 

Management Efficiency

The entity has return on total asset (ROA) of 12.41 % which means that it generated profit of $12.41 on every $100 spent on asset. This is normal as compared to the sector avarege. Similarly, it shows return on stockholders equity (ROE) of 42.56 %, meaning that it created $42.56 on every $100 dollars invested by stockholders. Credit Acceptance management efficiency ratios could be used to measure how well credit acceptance manages its routine affairs as well as how well it operates its assets and liabilities. The current year Return on Investment is expected to grow to 18.18. The current year Return on Average Assets is expected to grow to 0.07. Credit Acceptance Current Assets are projected to increase significantly based on the last few years of reporting. The past year's Current Assets were at 548.37 Million. The current year Tax Assets is expected to grow to about 182.4 M, whereas Total Assets are forecasted to decline to about 7 B.
Last ReportedProjected for 2022
Book Value per Share 148.27  159.97 
Enterprise Value over EBIT 16.10  14.73 
Enterprise Value over EBITDA 15.52  14.23 
Price to Book Value 2.39  2.87 
Tangible Assets Book Value per Share 482.24  520.32 
Enterprise Value11.9 B10.3 B
Tangible Asset Value8.6 BB

Technical Drivers

As of the 26th of January, Credit Acceptance shows the mean deviation of 1.49, and Risk Adjusted Performance of (0.044023). Credit Acceptance technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Put another way, you can use this information to find out if the firm will indeed mirror its model of historical prices and volume momentum, or the prices will eventually revert. We were able to break down nineteen technical drivers for Credit Acceptance, which can be compared to its rivals. Please confirm Credit Acceptance variance, maximum drawdown, and the relationship between the coefficient of variation and jensen alpha to decide if Credit Acceptance is priced correctly, providing market reflects its regular price of 546.66 per share. Given that Credit Acceptance has jensen alpha of (0.12), we suggest you to validate Credit Acceptance's prevailing market performance to make sure the company can sustain itself at a future point.

Credit Acceptance Price Movement Analysis

The output start index for this execution was one with a total number of output elements of sixty. The Simple Moving Average indicator is calculated by adding the closing price of Credit Acceptance for a given number of time periods and then dividing this total by the number of time periods. It is used to smooth out Credit Acceptance short-term fluctuations and highlight longer-term trends or cycles. View also all equity analysis or get more info about simple moving average overlap studies indicator.

Credit Acceptance Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Credit Acceptance insiders, such as employees or executives, is commonly permitted as long as it does not rely on Credit Acceptance's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Credit Acceptance insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Smith Thomas W over a month ago via Macroaxis 
Credit Acceptance exotic insider transaction detected
Thomas Tryforos over a month ago via Macroaxis 
Credit Acceptance exotic insider transaction detected
Thomas Tryforos over a month ago via Macroaxis 
Credit Acceptance exotic insider transaction detected
Smith Thomas W over a month ago via Macroaxis 
Credit Acceptance exotic insider transaction detected
Arthur Smith over two months ago via Macroaxis 
Credit Acceptance exotic insider transaction detected
Donald Foss over two months ago via Macroaxis 
Sale by Donald Foss of 2000 shares of Credit Acceptance
Thomas Tryforos over three months ago via Macroaxis 
Credit Acceptance exotic insider transaction detected
Prescott General Partners Llc over three months ago via Macroaxis 
Credit Acceptance exotic insider transaction detected
Martin Jay D over three months ago via Macroaxis 
Credit Acceptance exotic insider transaction detected
Watson Jill Foss over three months ago via Macroaxis 
Credit Acceptance exotic insider transaction detected
Watson Jill Foss over three months ago via Macroaxis 
Credit Acceptance exotic insider transaction detected
Watson Jill Foss over three months ago via Macroaxis 
Credit Acceptance exotic insider transaction detected

Credit Acceptance Technical and Predictive Indicators

Credit Acceptance Forecast Models

Credit Acceptance time-series forecasting models is one of many Credit Acceptance's stock analysis techniquest aimed to predict future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Credit Acceptance's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the stock market movement and maximize returns from investment trading.

About Credit Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Credit Acceptance stock is reacting to, or reflecting on a current stock market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Credit shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas, a specific sector, or an individual stock such as Credit Acceptance. By using and applying Credit Stock analysis, traders can create a robust methodology for identifying Credit entry and exit points for their positions.
Last ReportedProjected for 2022
Operating Margin 51.08  64.63 
EBITDA Margin 0.41  0.50 
Gross Margin 0.90  0.89 
Profit Margin 0.29  0.37 
Credit Acceptance Corporation provides financing programs, and related products and services to independent and franchised automobile dealers in the United States. Credit Acceptance Corporation was founded in 1972 and is headquartered in Southfield, Michigan. Credit Acceptance operates under Credit Services classification in the United States and is traded on NASDAQ Exchange. It employs 2033 people.

Current Credit Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Credit analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Credit analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
479.0Sell5Odds
Credit Acceptance current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Credit analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Credit stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Credit Acceptance, talking to its executives and customers, or listening to Credit conference calls.
Credit Analyst Advice Details

Credit Stock Analysis Indicators

Credit Acceptance stock analysis indicators help investors evaluate how Credit Acceptance stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Credit Acceptance shares will generate the highest return on investment. By understating and applying Credit Acceptance stock analysis, traders can identify Credit Acceptance position entry and exit signals to maximize returns.
Quick Ratio26.33
Fifty Two Week Low322.34
Revenue Growth7.10%
Shares Short Prior Month1.08M
Average Daily Volume Last 10 Day59.47k
Average Daily Volume In Three Month97.87k
Earnings Growth16.40%
Shares Percent Shares Out5.46%
Earnings Quarterly Growth3.30%
Gross Margins97.59%
Short Percent Of Float14.68%
Forward Price Earnings12.87
Float Shares10.72M
Fifty Two Week High703.27
Fifty Day Average649.35
Two Hundred Day Average539.77
Enterprise Value To Revenue8.29
Continue to Trending Equities. Note that the Credit Acceptance information on this page should be used as a complementary analysis to other Credit Acceptance's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try Portfolio Holdings module to check your current holdings and cash postion to detemine if your portfolio needs rebalancing.

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When running Credit Acceptance price analysis, check to measure Credit Acceptance's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Credit Acceptance is operating at the current time. Most of Credit Acceptance's value examination focuses on studying past and present price action to predict the probability of Credit Acceptance's future price movements. You can analyze the entity against its peers and financial market as a whole to determine factors that move Credit Acceptance's price. Additionally, you may evaluate how the addition of Credit Acceptance to your portfolios can decrease your overall portfolio volatility.
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Is Credit Acceptance's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Credit Acceptance. If investors know Credit will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Credit Acceptance listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
The market value of Credit Acceptance is measured differently than its book value, which is the value of Credit that is recorded on the company's balance sheet. Investors also form their own opinion of Credit Acceptance's value that differs from its market value or its book value, called intrinsic value, which is Credit Acceptance's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Credit Acceptance's market value can be influenced by many factors that don't directly affect Credit Acceptance's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Credit Acceptance's value and its price as these two are different measures arrived at by different means. Investors typically determine Credit Acceptance value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Credit Acceptance's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.