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CACC Stock Chart & Stats
$574.08
-$14.39(-2.51%)
At close: 4:00 PM EDT
$574.08
-$14.39(-2.51%)
Day’s Range― - ―
52-Week Range$401.90 - $668.86
Previous CloseN/A
Volume69.35K
Average Volume (3M)132.55K
Market Cap
$6.08B
Enterprise Value$12.62K
Total Cash (Recent Filing)$1.40M
Total Debt (Recent Filing)$6.29B
Price to Earnings (P/E)12.9
Beta1.35
Next Earnings
Nov 02, 2026EPS Estimate
12.36Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)46.41
Shares Outstanding10,380,580
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$600.00Price Target Upside4.52% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)48.77
Revenue Forecast (FY)$2.36B
Bulls Say, Bears Say
Bulls Say
Cash GenerationVery strong and consistent operating cash flow (~$1.23B TTM) with free cash flow closely tracking net income provides durable internal funding for receivables, supports securitizations and revolver servicing, and gives management flexibility to absorb credit volatility while pursuing disciplined growth.
Dealer Network & OriginationsA growing and broad dealer footprint (record >11,000 active dealers, +1,400 new) combined with recent month-on-month unit volume recovery (June/July turning positive, July >20% YoY) strengthens durable origination capacity and distribution reach, supporting medium-term portfolio growth and revenue stability.
Funding FlexibilityExecution of a $450M non‑recourse securitization and recent revolver extension/cheaper spread enhance diversified funding channels, lower marginal funding cost, and preserve on‑balance flexibility—structural improvements that support scalable lending and reduce reliance on a single capital source over the medium term.
Bears Say
Leverage History & DiscontinuityA sharp discontinuity between historically high leverage and a TTM snapshot showing zero reported debt creates uncertainty about trend persistence; reliance on off‑balance securitizations and revolvers can reintroduce funding volatility and amplify earnings sensitivity to credit cycles if external markets tighten.
Provisioning & Credit Seasoning RiskAn $82M provision adjustment and persistently slower prepayments increase reserve volatility and reduce near-term cash flow timing. Modest underperformance in the 2025 vintage and ongoing seasoning risk mean credit costs may rise as portfolios mature, pressuring margins and capital allocation decisions.
Technology Leadership TransitionCTO departure during a period of AI-enabled underwriting and dealer integrations introduces execution risk to critical tech initiatives. The advisory arrangement preserves continuity short-term, but leadership change can slow platform upgrades that underpin risk models and servicing efficiency, affecting long-term competitive edge.
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 $668.86 in the past 12 months.
What is Credit Acceptance Corp.’s market cap?
Credit Acceptance Corp.’s market cap is $6.08B.
When is Credit Acceptance Corp.’s upcoming earnings report date?
Credit Acceptance Corp.’s upcoming earnings report date is Nov 02, 2026 which is in 72 days.
How were Credit Acceptance Corp.’s earnings last quarter?
Credit Acceptance Corp. released its earnings results on Aug 04, 2026. The company reported $12.12 earnings per share for the quarter, missing the consensus estimate of $12.199 by -$0.079.
Is Credit Acceptance Corp. overvalued?
According to Wall Street analysts Credit Acceptance Corp.’s price is currently Undervalued.
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 12.36.
How many shares outstanding does Credit Acceptance Corp. have?
Credit Acceptance Corp. has 10,380,580 shares outstanding.
What happened to Credit Acceptance Corp.’s price movement after its last earnings report?
Credit Acceptance Corp. reported an EPS of $12.12 in its last earnings report, missing expectations of $12.199. Following the earnings report the stock price went up 0.794%.
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
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10
Analyst Consensus
Hold
Average Price Target:
$600.00 (4.52% Upside)
$600.00 (4.52% Upside)
Blogger Sentiment
Bullish
CACC Sentiment 67%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 17.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $39.5M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
3.31%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
-1.17%
Trailing 12-Months
Company Description
Credit Acceptance Corp.
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.
CACC Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed materially positive near-term financial results—strong GAAP and adjusted earnings growth, improving origination trends (monthly unit growth in June/July), record active dealer counts, modest loan-dollar growth, and strengthened liquidity—while acknowledging persistent but moderating credit and timing headwinds. Management emphasized disciplined, data-driven improvements (pricing, segmentation, AI tooling) and called the transformation early but showing tangible results. Key risks highlighted include slower-than-expected prepayments (continuing to pressure provisions), modest underperformance in the 2025 vintage, and unit/per-dealer activity still below peak. On balance, the positive operational momentum and significant earnings improvement outweigh the measured portfolio challenges.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
$600.00
▲(4.52% Upside)
Technical Analysis
Ownership Overview
23.02% Insiders
13.20% Mutual Funds
31.12% Other Institutional Investors
19.30% Public Companies and
Individual Investors