Is CREDIT ACCEPTANCE CORP (CACC) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Credit Services | ✗ NOT HALAL | |||
| DJIM | Excluded — Credit Services | ✗ NOT HALAL | |||
| MSCI | Excluded — Credit Services | ✗ NOT HALAL | |||
| S&P | Excluded — Credit Services | ✗ NOT HALAL | |||
| FTSE | Excluded — Credit Services | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 94.2% | |
| Operating Margin | 46.7% | |
| Net Margin | 34.2% | |
| Return on Equity (ROE) | 25.9% | |
| Return on Assets (ROA) | 4.8% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $1.1B |
| Free Cash Flow | $1.1B |
| Total Debt | $6.4B |
| Debt-to-Equity | 417.2 |
| Current Ratio | 3.3 |
| Total Assets | $8.6B |
Price & Trading
| Last Close | $442.85 |
| 50-Day MA | $475.09 |
| 200-Day MA | $480.42 |
| Avg Volume | 216K |
| Beta | 1.3 |
|
52-Week Range
$401.90
| |
About CREDIT ACCEPTANCE CORP (CACC)
Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.
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Frequently Asked Questions
Is CREDIT ACCEPTANCE CORP (CACC) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), CREDIT ACCEPTANCE CORP is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is CREDIT ACCEPTANCE CORP's debt ratio?
CREDIT ACCEPTANCE CORP's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are CREDIT ACCEPTANCE CORP's key financial metrics?
CREDIT ACCEPTANCE CORP has a market capitalization of $4.6B, trailing P/E ratio of 11.5, and revenue of $2.3B. The company maintains a gross margin of 94.2% and a net margin of 34.2%. Return on equity stands at 25.9%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.