Discounted Cash Flow
Credit Acceptance Corp.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $969.2m | $332.8m | $501.7m | 34.3% | $16.37 |
| 2017 | $1.1b (14.5%) | $470.2m (41.3%) | $557.6m (11.1%) | 42.4% (23.4%) | $24.12 (47.3%) |
| 2018 | $1.3b (15.8%) | $574.0m (22.1%) | $678.8m (21.7%) | 44.6% (5.4%) | $29.52 (22.4%) |
| 2019 | $1.5b (15.8%) | $656.1m (14.3%) | $785.5m (15.7%) | 44.1% (-1.3%) | $34.71 (17.6%) |
| 2020 | $1.7b (12.1%) | $421.0m (-35.8%) | $976.7m (24.3%) | 25.2% (-42.8%) | $23.57 (-32.1%) |
| 2021 | $1.9b (11.2%) | $958.3m (127.6%) | $1.1b (8.7%) | 51.6% (104.7%) | $59.57 (152.7%) |
| 2022 | $1.8b (-1.3%) | $535.8m (-44.1%) | $1.2b (16.4%) | 29.2% (-43.4%) | $39.50 (-33.7%) |
| 2023 | $1.9b (3.8%) | $286.1m (-46.6%) | $1.2b (-2.9%) | 15.0% (-48.6%) | $22.09 (-44.1%) |
| 2024 | $2.2b (13.7%) | $247.9m (-13.4%) | $1.1b (-5.3%) | 11.5% (-23.8%) | $20.12 (-8.9%) |
| 2025 | $2.3b (7.2%) | $423.9m (71.0%) | $1.1b (-7.3%) | 18.3% (59.6%) | $37.02 (84.0%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.