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Credit Acceptance ( (CACC) ) has shared an update.
On November 13, 2025, Credit Acceptance Corporation announced the completion of a $500 million asset-backed non-recourse secured financing. This transaction involved conveying consumer loans valued at approximately $625.2 million to a special purpose entity, which then transferred the loans to a trust that issued three classes of notes. The financing, which has an expected average annualized cost of 5.1%, will revolve for 24 months before amortizing based on loan cash flows. It aims to repay higher-cost debt and support general corporate purposes, while maintaining dealer relationships and preserving their rights to future payments. This marks Credit Acceptance’s 60th term securitization since 1998 and is noted as their lowest-cost ABS transaction since late 2021.
The most recent analyst rating on (CACC) stock is a Hold with a $475.00 price target. To see the full list of analyst forecasts on Credit Acceptance stock, see the CACC Stock Forecast page.
Spark’s Take on CACC Stock
According to Spark, TipRanks’ AI Analyst, CACC is a Neutral.
The overall stock score of 60 reflects a combination of solid financial performance and reasonable valuation, offset by technical weakness and negative sentiment from the latest earnings call. The company’s high leverage and declining loan performance are significant risks, while the lack of a dividend yield may limit appeal. Positive developments in technology and workplace recognition provide some support, but are overshadowed by competitive pressures and market share declines.
To see Spark’s full report on CACC stock, click here.
More about Credit Acceptance
Credit Acceptance Corporation is a company that facilitates vehicle ownership by providing innovative financing solutions, enabling automobile dealers to sell vehicles to consumers regardless of their credit history. The company’s financing programs are offered through a nationwide network of automobile dealers, benefiting both dealers and consumers by making vehicle purchases possible for those who might not qualify for traditional financing. Credit Acceptance is publicly traded on the Nasdaq stock market under the symbol CACC.
Average Trading Volume: 143,679
Technical Sentiment Signal: Sell
Current Market Cap: $4.65B
Find detailed analytics on CACC stock on TipRanks’ Stock Analysis page.