| Company Name: | AmeriCredit Corp. | | Ticker Symbol: | ACF | | | WWW Address: | www.americredit.com |
| CEO: | Daniel E. Berce | | No. of Employees: | 3,064 |
| Common Issue Type: | CS | | Business Description: | An independent auto finance company specializing in purchasing retail automobile installment sales contracts originated by franchised and select independent dealers in connection with the sale of used and new automobiles.
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| | | Industry Information: | FINANCIAL SERVICES - Credit Services [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 24.46 |  0.0 | - | - | | 24.50 | 24.46 | - |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 3,311.6 | 135.4 | 2.41 | 1.60 | 0.00 | 15.3 | 0.0 | 26.49 - 15.00 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 24.46 | $ | | PE Ratio - LTM | 15.3 | |
| Market Capitalisation | 3,311.6 | mil |
| Latest Shares Outstanding | 135.4 | mil |
| Earnings pS (EPS) | 1.60 | $ |
| Dividend pS (DPS) | 0.00 | ¢ |
| Dividend Yield | 0.0 | % |
| Dividend Payout Ratio | | % |
| Revenue per Employee | 517,965 | $ |
| Effective Tax Rate | 37.6 | % |
| Float | 88.0 | mil |
| Float as % of Shares Outstanding | 66.0 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 53.3 | % |
| Pre-Tax Profit Margin | 23.2 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 2.2 | % |
| Return on Equity (ROE) | 9.2 | % |
| Return on Capital Invested (ROCI) | 2.5 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 4.1 | |
| Interest Cover | 1.8 | |
| Total Debt/Equity (Gearing Ratio) | 3.00 | |
| LT Debt/Total Capital | 73.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 17.73 | $ |
| Tangible Book-Value pS | 17.73 | $ |
| Cash Flow pS | 1.63 | $ |
| Free Cash Flow pS | 6.85 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 1.38 | |
| Price/Tangible Book Ratio | 1.38 | |
| Price/Cash Flow | 15.0 | |
| Price/Free Cash Flow | 3.6 | |
| P/E as % of Industry Group | 40.0 | % |
| P/E as % of Sector Segment | 97.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Type of Payment | - |
| Dividend Rate | 0.00 |
| Current Dividend Yield | 0.0 |
| 5-Y Average Dividend Yield | 0.0 |
| Payout Ratio | 0.0 |
| 5-Y Average Payout Ratio | 0.0 |
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|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 0.4 | 101 | 47,588 | 235,816 |
| 4 Weeks | 24.53 | 23.84 | 24.34 | 0.5 | 97 | 36,030 | 648,532 |
| 13 Weeks | 24.53 | 18.26 | 18.45 | 32.6 | 119 | 48,779 | 3,024,285 |
| 26 Weeks | 26.49 | 17.98 | 24.04 | 1.7 | 105 | 31,933 | 4,023,580 |
| 52 Weeks | 26.49 | 15.00 | 14.97 | 63.4 | 147 | 21,768 | 5,441,918 |
| YTD | 26.49 | 17.98 | - | 28.5 | 126 | 25,445 | 4,783,659 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 24.42 | 24.38 | 24.22 | 22.91 | 22.36 | 2.41 | 2.53 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 2.15 | 3.0 | -13.83 |
| Income | 0.00 | 0.0 | 0.00 |
| Dividend | 0.00 | 0.0 | 0.00 |
| Capital Spending | 0.00 | NA | 0.00 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -26.9 | -20.4 | -26.9 |
| Earnings % | 1488.1 | 173.6 | 1488.1 |
| EPS % | 1354.5 | 148.0 | 1354.5 |
| EPS $ | 1.49 | 0.37 | 1.49 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 118.68 |
| Free Cash Flow Margin 5YEAR AVG | 113.58 |
| Cash-Flow pS | 6.94 |
| Free Cash-Flow pS | 6.87 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 4.12 |
| Debt Ratio | 75.71 |
| Total Debt/Equity (Gearing Ratio) | 3.00 |
| LT Debt/Equity | 2.75 |
| LT Debt/Capital Invested | 73.31 |
| LT Debt/Total Liabilities | 88.14 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 10.92 |
| Tobin's Q Ratio | 0.30 |
| Current P/E Ratio - LTM | 15.30 |
| Enterprise Value (EV)/EBITDA | 0.03 |
| Enterprise Value (EV)/Free Cash Flow | 10.03 |
| Dividend Yield | 0.0 |
| Price/Tangible Book Ratio - LTM | 1.38 |
| Price/Book Ratio - LTM | 1.38 |
| Price/Cash Flow Ratio | 15.0 |
| Price/Free Cash Flow Ratio - LTM | 3.6 |
| P/E Ratio (1 month ago) - LTM | 15.1 |
| P/E Ratio (26 weeks ago) - LTM | 28.6 |
| P/E Ratio (52 weeks ago) - LTM | 136.1 |
| 5-Y High P/E Ratio | 0.0 |
| 5-Y Low P/E Ratio | 0.0 |
| 5-Y Average P/E Ratio | 0.0 |
| Current P/E Ratio as % of 5-Y Average P/E | |
| P/E as % of Industry Group | 40.0 |
| P/E as % of Sector Segment | 97.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 15.2 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 17.73 |
| Book Value pS - LTM | 17.73 |
| Capital Invested pS | 66.43 |
| Cash Flow pS - LTM | 1.63 |
| Free Cash Flow pS - LTM | 6.85 |
| Earnings pS (EPS) | 1.60 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 9.19 |
| Return on Equity (ROE) - 5YEAR AVRG. | 8.0 |
| Return on Capital Invested (ROCI) | 2.45 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 1.6 |
| Return on Assets (ROA) | 2.23 |
| Return on Assets (ROA) - 5YEAR AVRG. | 1.2 |
| EBIT Margin - LTM | 53.2 |
| EBITDA Margin - LTM | 53.3 |
| Pre-Tax Profit Margin | -77.45 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | -59.13 |
| Net Profit Margin | -48.24 |
| Net Profit Margin - 5YEAR AVRG. | -33.57 |
| Effective Tax Rate | 37.53 |
| Effective Tax Rate - 5YEAR AVRG. | 27.48 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 517,965 |
| Net Income per Employee - LTM | 75,016 |
| Assets/Revenue - LTM | 500.00 |
| Assets/Revenue - 5YEAR AVRG. | -2,314.03 |
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