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Credit Acceptance ( (CACC) ) has shared an update.
On January 15, 2026, Credit Acceptance Corporation announced it had amended its existing $100 million asset-backed non-recourse secured financing, known as Term ABS 2021-1, originally entered into on January 29, 2021. The amendment extends the date on which the facility will cease to revolve from February 17, 2026 to January 18, 2028 and reduces the interest rate from SOFR plus 220 basis points to SOFR plus 140 basis points, with no other material changes to the terms. The extension and lower pricing enhance the company’s funding flexibility and reduce its cost of capital, supporting ongoing auto loan origination and reinforcing its position in the asset-backed financing market.
The most recent analyst rating on (CACC) stock is a Hold with a $513.00 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 score is primarily supported by strong cash generation and improved recent profitability, but tempered by balance-sheet/leverage concerns and data consistency issues. Mixed technicals add only moderate support, while the latest earnings call was a meaningful headwind due to weaker vintage performance, market share losses, and higher expenses; valuation is moderately favorable on a low P/E.
To see Spark’s full report on CACC stock, click here.
More about Credit Acceptance
Credit Acceptance Corporation is a publicly traded auto finance company that provides subprime and non-prime vehicle financing solutions through a nationwide network of automobile dealers. Its programs enable dealers to sell cars to consumers regardless of credit history, while giving those consumers access to vehicle ownership and the potential to improve their credit scores through reporting to major credit bureaus.
Average Trading Volume: 138,362
Technical Sentiment Signal: Hold
Current Market Cap: $5.21B
For a thorough assessment of CACC stock, go to TipRanks’ Stock Analysis page.