Credit Acceptance Corporation (CACC) exhibits 41.0% gross margins and 0.0% return on invested capital within Financials (Finance: Consumer Services), balanced against a 95.0x enterprise multiple and 7.0% implied options volatility.
Sustained 41.0% gross profitability converts into 0.0% operating margin and 0.0% ROIC, outpacing sector cost of capital.
ROIC: 0.0% // GM: 41.0%YoY revenue trajectory of +7.2% paired with 17.62% free cash flow yield supports self-funded R&D and capital return.
REV YOY: +7.2% // FCF YLD: 17.62%Altman Z-Score of 1.09 and Piotroski F-Score of 8/9 indicate low near-term refinancing stress.
ALTMAN Z: 1.09 // F-SCORE: 8/9Trading at 185.0x trailing P/E (140.0x Fwd P/E) leaves valuation vulnerable if real 10Y TIPS yields spike.
P/E: 185.0x // EV/EBITDA: 95.0xOptions market prices a ±7.0% implied move with a 0.56 put/call ratio around $564.00 max pain.
IMPL MOVE: ±7.0% // P/C: 0.56Elevated industry capital intensity and customer concentration in Finance: Consumer Services require continuous execution to defend 0.0% net margins.
NET MARGIN: 0.0% // D/E: 1.96x| FILER | SIDE | $ VALUE |
|---|---|---|
| INSPECT FULL OWNERSHIP LEDGER IN OWN <GO> | ||
| STRIKE / EXP | TYPE | PREMIUM |
|---|---|---|
| INSPECT GEX & CHAIN IN OPT <GO> | ||
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