Credit Acceptance Corporation

DB:2D5 Stock Report

Market Cap: €5.5b

Credit Acceptance Past Earnings Performance

Past criteria checks 1/6

Credit Acceptance's earnings have been declining at an average annual rate of -14%, while the Consumer Finance industry saw earnings growing at 17.7% annually. Revenues have been declining at an average rate of 4.3% per year. Credit Acceptance's return on equity is 11.5%, and it has net margins of 22.4%.

Key information

-14.0%

Earnings growth rate

-6.7%

EPS growth rate

Consumer Finance Industry Growth9.8%
Revenue growth rate-4.3%
Return on equity11.5%
Net Margin22.4%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Credit Acceptance makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:2D5 Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 248461904940
30 Jun 248151824750
31 Mar 248672514680
31 Dec 238992864590
30 Sep 239293204610
30 Jun 239443364530
31 Mar 231,0514214410
31 Dec 221,1845364260
30 Sep 221,3046263880
30 Jun 221,5047893810
31 Mar 221,6939713460
31 Dec 211,6839583840
30 Sep 211,5949073640
30 Jun 211,5658993480
31 Mar 211,3247073590
31 Dec 209204213260
30 Sep 209184173250
30 Jun 208183403260
31 Mar 209054083260
31 Dec 191,2166563290
30 Sep 191,1926463200
30 Jun 191,1596323100
31 Mar 191,1296182980
31 Dec 181,0725742910
30 Sep 189835992820
30 Jun 189345492730
31 Mar 188844972640
31 Dec 178614702540
30 Sep 178693812430
30 Jun 178403662370
31 Mar 178123522300
31 Dec 167813332240
30 Sep 167623252190
30 Jun 167403132140
31 Mar 167183032070
31 Dec 157083002000
30 Sep 156972931970
30 Jun 156842931860
31 Mar 156712881790
31 Dec 146542661710
30 Sep 146362591650
30 Jun 146232501630
31 Mar 146092421610

Quality Earnings: 2D5 has high quality earnings.

Growing Profit Margin: 2D5's current net profit margins (22.4%) are lower than last year (34.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 2D5's earnings have declined by 14% per year over the past 5 years.

Accelerating Growth: 2D5's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 2D5 had negative earnings growth (-40.7%) over the past year, making it difficult to compare to the Consumer Finance industry average (3.2%).

Return on Equity

High ROE: 2D5's Return on Equity (11.5%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/04 01:21
End of Day Share Price 2025/01/03 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Credit Acceptance Corporation is covered by 18 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
James FotheringhamBMO Capital Markets Equity Research
Kenneth BruceBofA Global Research
Giuliano Anderes BolognaBTIG