Last 7 days
2.4%
Last 30 days
-6.0%
Last 90 days
-1.0%
Trailing 12 Months
-23.4%
Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
---|---|---|---|---|---|---|---|---|
LARGE-CAP | ||||||||
AXP | 116.8B | 44.7B | 0.98% | -4.20% | 16.16 | 2.61 | 21.11% | -8.75% |
COF | 39.3B | 34.2B | 8.93% | -16.37% | 12.7 | 1.15 | 30.10% | -55.86% |
DFS | 27.5B | 14.2B | 1.17% | -6.03% | 6.66 | 1.94 | 32.25% | -19.07% |
MID-CAP | ||||||||
ALLY | 8.0B | 11.6B | 4.22% | -35.07% | 5.81 | 0.69 | 30.73% | -52.79% |
CACC | 5.7B | 1.8B | -6.01% | -23.38% | 13.58 | 3.12 | -1.62% | -56.62% |
OMF | 4.6B | 4.4B | -0.96% | -6.68% | 6.06 | 1.03 | 1.07% | -37.21% |
FCFS | 4.5B | 2.8B | 1.77% | 36.78% | 16.46 | 1.59 | 45.16% | 128.93% |
SLM | 3.9B | 2.2B | 9.21% | -15.96% | 8.57 | 1.75 | 22.06% | -30.04% |
NNI | 3.4B | 1.1B | -0.46% | 11.31% | 8.44 | 2.76 | -3.12% | -45.83% |
SMALL-CAP | ||||||||
ENVA | 1.5B | 1.8B | 12.31% | 52.26% | 7.12 | 0.8 | 37.43% | -11.56% |
WRLD | 687.8M | 621.6M | 14.33% | -22.72% | 49.23 | 1.11 | 10.55% | -82.63% |
ATLC | 519.4M | 1.1B | 31.53% | -4.41% | 4.45 | 0.48 | 29.40% | -34.69% |
TREE | 243.6M | 902.3M | -14.96% | -66.98% | -1.49 | 0.27 | -18.63% | -517.10% |
RM | 241.0M | 507.2M | -2.54% | -44.97% | 4.71 | 0.48 | 18.40% | -42.24% |
Income Statement (Last 12 Months) | (In Millions) | |||||
---|---|---|---|---|---|---|
Description | (%) Q/Q | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 |
Revenue | -0.1% | 1,831 | 1,832 | 1,837 | 1,846 | 1,861 |
S&GA Expenses | 3.8% | 79.00 | 76.00 | 75.00 | 71.00 | 67.00 |
Costs and Expenses | 13.9% | 1,277 | 1,121 | 1,003 | 803 | 580 |
EBITDA | -11.1% | 887 | 999 | 1,207 | 1,448 | - |
EBITDA Margin | -10.9% | 0.48* | 0.54* | 0.65* | 0.78* | - |
Earnings Before Taxes | -22.2% | 554 | 712 | 833 | 1,044 | 1,281 |
EBT Margin | -14.4% | 0.39* | 0.45* | 0.57* | 0.69* | - |
Interest Expenses | 10.7% | 185 | 167 | 156 | 154 | 157 |
Net Income | -21.4% | 421 | 536 | 626 | 789 | 971 |
Net Income Margin | -14.2% | 0.29* | 0.34* | 0.43* | 0.52* | - |
Free Cahsflow | 14.4% | 1,236 | 1,080 | 1,021 | 1,112 | - |
Balance Sheet | (In Millions) | |||||
---|---|---|---|---|---|---|
Description | (%) Q/Q | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 |
Assets | 3.6% | 7,155 | 6,905 | 6,892 | 6,979 | 7,038 |
Cash Equivalents | 6239.0% | 488 | 8.00 | 11.00 | 4.00 | 18.00 |
Net PPE | -2.5% | 50.00 | 51.00 | 52.00 | 54.00 | 57.00 |
Liabilities | 2.9% | 5,432 | 5,281 | 5,303 | 5,458 | 5,410 |
Shareholder's Equity | 6.1% | 1,723 | 1,624 | 1,589 | 1,520 | 1,629 |
Retained Earnings | 6.7% | 1,473 | 1,381 | 1,357 | 1,296 | 1,419 |
Additional Paid-In Capital | 2.6% | 252 | 246 | 236 | 226 | 212 |
Shares Outstanding | 0.6% | 13.00 | 13.00 | 13.00 | 13.00 | 13.00 |
Cashflow (Last 12 Months) | (In Millions) | |||||
---|---|---|---|---|---|---|
Description | (%) Q/Q | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 |
Cashflow From Operations | -6.4% | 1,159 | 1,239 | 1,083 | 1,027 | 1,120 |
Share Based Compensation | 2.2% | 37.00 | 37.00 | 46.00 | 53.00 | 33.00 |
Cashflow From Investing | -70.7% | -786 | -460 | -116 | 249 | 531 |
Cashflow From Financing | 51.7% | -383 | -794 | -1,013 | -1,705 | -1,737 |
Buy Backs | -52.0% | 376 | 785 | 1,057 | 1,735 | 1,760 |
56.9%
53.5%
27.7%
Y-axis is the maximum loss one would have experienced if Credit Acceptance was unfortunately bought at previous high price.
14.6%
13.3%
4.3%
8.1%
FIve years rolling returns for Credit Acceptance.
Datesorted ascending | Fund Name | Type | % Chg | $ Change | $ Held | % Portfolio |
---|---|---|---|---|---|---|
2023-05-23 | Capital Impact Advisors, LLC | reduced | -83.92 | -331,925 | 57,557 | 0.07% |
2023-05-22 | AMERIPRISE FINANCIAL INC | reduced | -3.33 | -144,726 | 1,150,270 | -% |
2023-05-18 | NEW YORK STATE COMMON RETIREMENT FUND | reduced | -35.99 | -2,202,000 | 3,147,000 | -% |
2023-05-18 | JPMORGAN CHASE & CO | added | 106 | 2,201,870 | 4,644,870 | -% |
2023-05-17 | Advisory Services Network, LLC | sold off | -100 | -474 | - | -% |
2023-05-17 | VIRGINIA RETIREMENT SYSTEMS ET AL | sold off | -100 | -613,200 | - | -% |
2023-05-16 | KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLC | unchanged | - | -154 | 1,744 | -% |
2023-05-16 | SUSQUEHANNA INTERNATIONAL GROUP, LLP | added | 1,138 | 6,515,140 | 7,142,770 | -% |
2023-05-16 | Rockefeller Capital Management L.P. | sold off | -100 | -9,000 | - | -% |
2023-05-16 | JANE STREET GROUP, LLC | added | 651 | 2,478,120 | 2,897,490 | -% |
Date Filed | Name of Filer | Percent of Class | No. of Shares | Form Type | |
---|---|---|---|---|---|
Feb 14, 2023 | ruane, cunniff & goldfarb l.p. | 6.18% | 798,731 | SC 13G/A | |
Feb 09, 2023 | vanguard group inc | 4.55% | 588,413 | SC 13G/A | |
Feb 06, 2023 | wellington management group llp | 4.96% | 641,379 | SC 13G/A | |
Sep 26, 2022 | neary john p | 11.24% | 1,452,797 | SC 13G | |
Sep 16, 2022 | donald a. foss 2009 annuity trust | 7.2% | 931,323 | SC 13D | |
May 09, 2022 | prescott general partners llc | 12.6% | 1,657,373 | SC 13D/A | |
Feb 15, 2022 | principal global investors | 2.15% | 312,781 | SC 13G/A | |
Feb 14, 2022 | ruane, cunniff & goldfarb l.p. | 6.15% | 893,551 | SC 13G/A | |
Feb 14, 2022 | donald a. foss 2009 annuity trust | 6.6% | 931,323 | SC 13G/A | |
Feb 14, 2022 | foss donald a | 10.3% | 1,452,797 | SC 13G/A |
Date Filed | Form Type | Document | |
---|---|---|---|
May 05, 2023 | ABS-15G | ABS-15G | |
May 04, 2023 | 8-K | Current Report | |
May 01, 2023 | 8-K | Current Report | |
May 01, 2023 | 10-Q | Quarterly Report | |
Apr 24, 2023 | 4 | Insider Trading | |
Apr 21, 2023 | DEFA14A | DEFA14A | |
Apr 21, 2023 | DEF 14A | DEF 14A | |
Apr 21, 2023 | ARS | ARS | |
Apr 20, 2023 | 4 | Insider Trading | |
Apr 20, 2023 | 144 | Notice of Insider Sale Intent |
Datesorted ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
---|---|---|---|---|---|---|
2023-04-20 | Rostami Andrew K | sold | -230,500 | 500 | -461 | chief mktg and product officer |
2023-04-18 | Rostami Andrew K | sold (taxes) | -205,233 | 484 | -424 | chief mktg and product officer |
2023-03-03 | SMITH THOMAS W | sold | -225,059 | 450 | -500 | - |
2023-02-02 | Rummler Wendy A | acquired | 333,940 | 333 | 1,000 | chief people officer |
2023-02-02 | Rummler Wendy A | sold | -555,040 | 555 | -1,000 | chief people officer |
2023-01-30 | BUSK DOUGLAS W | sold (taxes) | -1,041,550 | 448 | -2,321 | chief treasury officer |
2023-01-30 | SMITH ARTHUR L | sold (taxes) | -1,351,640 | 448 | -3,012 | chief analytics officer |
2023-01-30 | KERBER ERIN J | sold (taxes) | -363,936 | 448 | -811 | chief legal officer |
2023-01-30 | LUM JONATHAN | sold (taxes) | -627,801 | 448 | -1,399 | chief operating officer |
2023-01-30 | Flanagan Glenda J | acquired | - | - | 300 | - |
Consolidated Statements of Income (Unaudited) - USD ($) $ in Millions | 3 Months Ended | |
---|---|---|
Mar. 31, 2023 | Mar. 31, 2022 | |
Revenue: | ||
Finance charges | $ 421.1 | $ 424.1 |
Premiums earned | 17.4 | 13.8 |
Other income | 15.3 | 17.8 |
Total revenue | 453.8 | 455.7 |
Costs and expenses: | ||
Salaries and wages | 77.2 | 64.4 |
General and administrative | 18.0 | 18.9 |
Sales and marketing | 22.1 | 19.2 |
Operating Expenses | 117.3 | 102.5 |
Total provision for credit losses | 137.4 | 23.3 |
Interest | 54.4 | 36.5 |
Provision for claims | 17.9 | 8.9 |
Total costs and expenses | 327.0 | 171.2 |
Income before provision for income taxes | 126.8 | 284.5 |
Provision for income taxes | 27.3 | 70.2 |
Net income | $ 99.5 | $ 214.3 |
Net income per share: | ||
Basic (in usd per share) | $ 7.62 | $ 15.02 |
Diluted (in usd per share) | $ 7.61 | $ 14.94 |
Weighted average shares outstanding: | ||
Basic (in shares) | 13,057,617 | 14,268,518 |
Diluted (in shares) | 13,073,316 | 14,341,523 |
Consolidated Balance Sheets (Unaudited) - USD ($) $ in Millions | Mar. 31, 2023 | Dec. 31, 2022 | ||||||
---|---|---|---|---|---|---|---|---|
ASSETS: | ||||||||
Cash and cash equivalents | $ 8.1 | $ 7.7 | ||||||
Restricted cash and cash equivalents | 480.0 | 410.0 | ||||||
Debt Securities, Available-for-sale, Restricted | 76.4 | 72.3 | ||||||
Loans receivable | [1],[2] | 9,384.3 | 9,165.5 | |||||
Allowance for credit losses | (2,884.0) | (2,867.8) | ||||||
Loans receivable, net | 6,500.3 | 6,297.7 | ||||||
Property and equipment, net | 50.1 | 51.4 | ||||||
Income taxes receivable | 11.0 | 8.7 | ||||||
Other assets | 29.0 | 56.9 | ||||||
Total Assets | 7,154.9 | 6,904.7 | ||||||
Liabilities: | ||||||||
Accounts payable and accrued liabilities | 257.3 | 260.8 | ||||||
Revolving secured line of credit | 145.1 | 30.9 | ||||||
Secured financing | 3,771.8 | 3,756.4 | ||||||
Senior notes | 795.0 | 794.5 | ||||||
Mortgage note | [3] | 8.8 | 8.9 | |||||
Deferred income taxes, net | 451.2 | 426.7 | ||||||
Income taxes payable | 2.3 | 2.5 | ||||||
Total Liabilities | 5,431.5 | 5,280.7 | ||||||
Commitments and Contingencies - See Note 15 | ||||||||
Shareholders' Equity: | ||||||||
Preferred stock, $.01 par value, 1,000,000 shares authorized, none issued | 0.0 | 0.0 | ||||||
Common stock, $.01 par value, 80,000,000 shares authorized, 12,836,907 and 12,756,885 shares issued and outstanding as of March 31, 2023 and December 31, 2022, respectively | 0.1 | 0.1 | ||||||
Paid-in capital | 252.1 | 245.7 | ||||||
Retained earnings | 1,473.3 | 1,381.1 | ||||||
Accumulated other comprehensive loss | (2.1) | (2.9) | ||||||
Total Shareholders' Equity | 1,723.4 | 1,624.0 | ||||||
Total Liabilities and Shareholders' Equity | $ 7,154.9 | $ 6,904.7 | ||||||
Preferred stock, par value (in usd per share) | $ 0.01 | |||||||
Preferred stock, shares authorized | 1,000,000 | |||||||
Preferred stock, shares issued | 0 | |||||||
Common stock, par value (in usd per share) | $ 0.01 | $ 0.01 | ||||||
Common stock, shares authorized | 80,000,000 | 80,000,000 | ||||||
Common stock, shares issued | 12,836,907 | 12,756,885 | ||||||
Balance, shares | 12,836,907 | 12,756,885 | ||||||
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