Credit Acceptance Corp. (CACC)
NASDAQ:CACC
Want to see CACC full AI Analyst Report?
CACC Stock Chart & Stats
$527.56
-$6.73(-1.44%)
At close: 4:00 PM EST
$527.56
-$6.73(-1.44%)
Day’s Range― - ―
52-Week Range$401.90 - $579.80
Previous CloseN/A
Volume9.16K
Average Volume (3M)132.55K
Market Cap
$5.73B
Enterprise Value$12.38B
Total Cash (Recent Filing)$25.70M
Total Debt (Recent Filing)$6.41B
Price to Earnings (P/E)13.0
Beta1.44
Next Earnings
Aug 05, 2026EPS Estimate
11.85Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)40.99
Shares Outstanding10,460,071
10 Day Avg. Volume124,218
30 Day Avg. Volume132,546
Financial Highlights & Ratios
PEG Ratio0.13
Price to Book (P/B)3.22
Price to Sales (P/S)2.12
P/FCF Ratio4.67
Enterprise Value/Market Cap2.16
Enterprise Value/Revenue5.36
Enterprise Value/Gross Profit6.67
Enterprise Value/Ebitda14.86
Forecast
1Y Price Target
$520.00Price Target Upside-1.43% Downside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)48.15
Revenue Forecast (FY)$2.37B
Bulls Say, Bears Say
Bulls Say
Revenue PerformanceRevenue was better than estimates as average portfolio yield increased by 50 bps y/y.
Share BuybacksBuybacks were strong in the quarter with $262mm, indicating confidence in the company's value.
Bears Say
Earnings PerformanceThe company missed the EPS estimates (both GAAP and adjusted), indicating underperformance.
Market Share DeclineCredit Acceptance's market share in the subprime segment has decreased from the previous year.
Originations And CompetitionOctober originations were down 13%, highlighting increased competition and tough macroeconomic conditions for subprime borrowers.
Credit Acceptance News
CACC FAQ
What was Credit Acceptance Corp.’s price range in the past 12 months?
Credit Acceptance Corp. lowest stock price was $401.90 and its highest was $579.79 in the past 12 months.
What is Credit Acceptance Corp.’s market cap?
Credit Acceptance Corp.’s market cap is $5.73B.
When is Credit Acceptance Corp.’s upcoming earnings report date?
Credit Acceptance Corp.’s upcoming earnings report date is Aug 05, 2026 which is in 52 days.
How were Credit Acceptance Corp.’s earnings last quarter?
Credit Acceptance Corp. released its earnings results on May 05, 2026. The company reported $10.71 earnings per share for the quarter, missing the consensus estimate of $10.731 by -$0.021.
Is Credit Acceptance Corp. overvalued?
According to Wall Street analysts Credit Acceptance Corp.’s price is currently Overvalued.
Does Credit Acceptance Corp. pay dividends?
Credit Acceptance Corp. does not currently pay dividends.
What is Credit Acceptance Corp.’s EPS estimate?
Credit Acceptance Corp.’s EPS estimate is 11.85.
How many shares outstanding does Credit Acceptance Corp. have?
Credit Acceptance Corp. has 10,460,071 shares outstanding.
What happened to Credit Acceptance Corp.’s price movement after its last earnings report?
Credit Acceptance Corp. reported an EPS of $10.71 in its last earnings report, missing expectations of $10.731. Following the earnings report the stock price went up 2.713%.
Which hedge fund is a major shareholder of Credit Acceptance Corp.?
Currently, no hedge funds are holding shares in CACC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Credit Acceptance Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$520.00 (-1.43% Downside)
$520.00 (-1.43% Downside)
Hedge Fund Trend
Decreased
By 2.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $43.0M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.1%
Last 30 Days ▼ 4.1%
Last 30 Days ▼ 4.1%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
3.31%
12-Months-Change
Fundamentals
Return on Equity
29.39%
Trailing 12-Months
Asset Growth
-6.09%
Trailing 12-Months
Company Description
Credit Acceptance Corp.
Credit Acceptance Corporation (CACC) operates nationwide, serving as a financial partner for both independent and franchised automobile dealerships across the United States. The company's core business involves two primary methods of engaging with these dealers: 1. It furnishes upfront capital to dealerships, securing the privilege to administer and collect payments on the subsequent consumer loans. 2. Alternatively, CACC directly purchases consumer loan portfolios from dealers, then manages the collection of payments from borrowers and retains the proceeds. Beyond its direct lending activities, the corporation also participates in the reinsurance market, underwriting vehicle service contracts. These contracts are typically sold by dealers to consumers for automobiles that CACC itself has helped finance. Credit Acceptance Corporation was established in 1972 and is headquartered in Southfield, Michigan.
CACC Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed cautious optimism: the company delivered solid GAAP and adjusted earnings, demonstrated stabilization in loan cash flows and origination declines, executed a capital raise at attractive spreads, and showed tangible early benefits from AI and a new operating cadence. At the same time, management acknowledged persistent challenges — market share erosion in the core segment, per-dealer volume declines, sizable provisions driven by timing and prepayment uncertainty, and a workforce reduction to rebase costs. Overall the positives (earnings, improved cash-flow stability, capital access, technology and operating improvements) modestly outweigh the negatives, but the company remains disciplined and cautious given competitive and macro risks.View all CACC earnings summariesCACC Revenue Breakdown
92.30% Finance charges
4.19% Premiums earned
3.52% Other
CACC Stock 12 Month Forecast
Average Price Target
$520.00
▼(-1.43% Downside)
Technical Analysis
Ownership Overview
24.09% Insiders
12.85% Mutual Funds
32.72% Other Institutional Investors
22.56% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---