CREDIT ACCEPTANCE CORPCACC
時価総額
$49.7億
PER
中古車ディーラー向けの自動車ファイナンスの大手（2024年の消費者ローン割当総額は46.184億ドル、アクティブディーラー数15,463）。ディーラー向け割賦ローンと付帯商品を展開。主要株主が合計42.8%を保有、2023年8月21日に自社株買い枠2百万株を承認。米国内で展開。
| 2011年 12月31日 | 2012年 12月31日 | 2013年 12月31日 | 2014年 12月31日 | 2015年 12月31日 | 2016年 12月31日 | 2017年 12月31日 | 2018年 12月31日 | 2019年 12月31日 | 2020年 12月31日 | 2021年 12月31日 | 2022年 12月31日 | 2023年 12月31日 | 2024年 12月31日 | |
| Net income | 188 | 220 | 253 | 266 | 300 | 333 | 470 | 574 | 656 | 421 | 958 | 536 | 286 | 248 |
| Provision for credit losses | - | - | - | - | - | - | - | - | - | - | - | - | - | 815 |
| Depreciation | 4 | 5 | 5 | 6 | 6 | 6 | 6 | 5 | 7 | 9 | 10 | 9 | 9 | 7 |
| Amortization | 6 | 7 | 8 | 8 | 9 | 9 | 10 | 14 | 15 | 15 | 17 | 17 | 18 | 21 |
| Increase (Decrease) in Deferred Income Taxes | - | - | - | - | - | - | 86 | -49 | -85 | -68 | -45 | 8 | 38 | 70 |
| Stock-based compensation | 2 | 12 | 9 | 15 | 12 | 7 | 15 | 10 | 8 | 6 | 25 | 37 | 39 | 45 |
| Loss on extinguishment of debt | - | - | - | -22 | - | - | - | - | -2 | -7 | - | - | -2 | - |
| Loss on sale of building | - | - | - | - | - | - | - | - | - | - | - | - | - | 24 |
| Other Operating Activities, Cash Flow Statement | - | - | - | - | - | - | - | -0 | -0 | -1 | -0 | 0 | 1 | 1 |
| Increase in accounts payable and accrued liabilities | 21 | 10 | 8 | 1 | 13 | 12 | 10 | 42 | 17 | -18 | -11 | 68 | 50 | 7 |
| Increase in income taxes receivable | -11 | 1 | - | 0 | 9 | -8 | -0 | 6 | 58 | 81 | -38 | -100 | -4 | -0 |
| Increase (decrease) in income taxes payable | 1 | 5 | 14 | -17 | -3 | 24 | 16 | -37 | -2 | - | - | 2 | 79 | 36 |
| Increase in other assets | 2 | -1 | 2 | 4 | 1 | 6 | 7 | 4 | -6 | -1 | 20 | 4 | -19 | -5 |
| Net cash provided by operating activities | 276 | 309 | 326 | 365 | 404 | 507 | 566 | 704 | 812 | 985 | 1,069 | 1,239 | 1,204 | 1,138 |
| Purchases of restricted securities available for sale | - | - | - | - | - | - | - | - | - | - | 39 | 50 | 43 | 59 |
| Proceeds from Sale of Debt Securities, Available-for-sale | - | - | - | - | - | - | - | - | - | 25 | 22 | 11 | 16 | 37 |
| Maturities of restricted securities available for sale | 0 | 10 | 86 | 50 | 4 | 6 | 6 | 12 | 12 | 13 | 18 | 24 | 9 | 9 |
| Principal collected on Loans receivable | - | - | - | - | - | - | - | - | - | 3,170 | 3,809 | 3,413 | 3,037 | 3,209 |
| Advances to Dealers | - | 1,254 | 1,357 | 1,471 | 1,795 | 1,881 | 1,968 | 2,415 | 2,425 | 2,208 | 2,059 | 2,530 | 2,934 | 3,578 |
| Purchases of Consumer Loans | 122 | 109 | 124 | 204 | 372 | 754 | 905 | 1,181 | 1,348 | 1,433 | 1,109 | 1,095 | 1,214 | 1,040 |
| Accelerated payments of Dealer Holdback | -47 | -44 | -40 | 42 | 53 | 54 | 47 | 53 | 59 | 46 | 44 | 44 | 47 | 59 |
| Payments of Dealer Holdback | 85 | 116 | 114 | 136 | 150 | 142 | 132 | 129 | 139 | 143 | 153 | 187 | 236 | 241 |
| Purchases of property and equipment | 6 | 9 | 6 | 4 | 4 | 6 | 8 | 25 | 27 | 9 | 8 | 3 | 4 | 2 |
| Proceeds from Sale of Buildings | - | - | - | - | - | - | - | - | - | - | - | - | - | 3 |
| Net cash used in investing activities | -454 | -401 | -334 | -363 | -639 | -935 | -903 | -1,238 | -1,024 | -673 | 437 | -461 | -1,417 | -1,721 |
| Proceeds from Long-Term Lines of Credit | 2,385 | 2,507 | 2,817 | 2,796 | 1,657 | 1,615 | 3,527 | 2,250 | 3,847 | 5,376 | 1,563 | 6,623 | 7,432 | 6,126 |
| Repayments under revolving secured line of credit | 2,478 | 2,508 | 2,757 | 2,780 | 1,719 | 1,673 | 3,513 | 2,092 | 4,019 | 5,280 | 1,656 | 6,594 | 7,384 | 6,205 |
| Proceeds from secured financing | 1,165 | 1,742 | 1,005 | 1,755 | 1,247 | 2,169 | 2,365 | 2,697 | 2,396 | 2,800 | 1,831 | 1,542 | 2,762 | 3,619 |
| Repayments of secured financing | 865 | 1,488 | 922 | 1,357 | 1,101 | 1,576 | 1,908 | 2,117 | 2,150 | 2,427 | 1,729 | 1,599 | 2,520 | 2,247 |
| Proceeds from issuance of senior notes | - | - | - | 300 | 248 | - | - | - | 800 | - | - | - | 600 | - |
| Repayments of senior notes | - | - | - | 350 | - | - | - | - | 148 | 402 | - | - | 400 | - |
| Payments of debt issuance costs and debt issuance costs | 8 | 7 | 5 | 30 | 11 | 9 | 15 | 14 | 26 | 19 | 16 | 13 | 33 | 22 |
| Repurchase of common stock | 131 | 153 | 135 | 344 | 87 | 122 | 124 | 129 | 300 | 481 | 1,472 | 785 | 203 | 313 |
| Proceeds from Issuance of Common Stock | - | - | - | - | - | - | - | - | - | - | 12 | 15 | 5 | 16 |
| Other financing activities | - | - | - | - | 0 | 4 | -2 | -7 | -1 | -1 | -1 | 16 | 6 | -17 |
| Net cash provided by financing activities | 179 | 97 | 3 | 0 | 235 | 437 | 330 | 600 | 400 | -433 | -1,469 | -795 | 266 | 957 |
| Net increase in cash and cash equivalents and restricted cash and cash equivalents | - | - | - | - | - | - | - | 66 | 188 | -121 | 38 | -16 | 53 | 374 |
| Cash paid during the period for interest | 51 | 56 | 58 | 55 | 62 | 88 | 109 | 141 | 176 | 192 | 149 | 147 | 242 | 393 |
| Income Taxes Paid, Net | 76 | 92 | 120 | 100 | 147 | 111 | 175 | 169 | 172 | 142 | 213 | 73 | 32 | 104 |