Credit Acceptance (CACC) Stock Overview
Engages in the provision of financing programs, and related products and services in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 4/6 |
| Past Performance | 4/6 |
| Financial Health | 2/6 |
| Dividends | 0/6 |
CACC Community Fair Values
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Analyst Price Targets
Credit Acceptance Corporation Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$504.91 |
| 52 Week High | US$549.75 |
| 52 Week Low | US$401.90 |
| Beta | 1.32 |
| 1 Month Change | 19.23% |
| 3 Month Change | 1.34% |
| 1 Year Change | 7.94% |
| 3 Year Change | 15.16% |
| 5 Year Change | 21.00% |
| Change since IPO | 18,543.06% |
Recent News & Updates
CACC: Elevated Margin Assumptions Will Drive Skewed Risk To The Downside
Analysts have raised the Credit Acceptance price target by about $30, citing updated assumptions around fair value, the discount rate, revenue growth, profit margin, and a lower future P/E that are consistent with recent mixed Street research moves on the stock. Analyst Commentary Recent Street research on Credit Acceptance has been mixed, with some price targets raised and at least one lowered.CACC: Evolving EPS Outlook And Mixed Sentiment Will Drive A Balanced Path
Analysts have trimmed their average price target on Credit Acceptance by about $6 to roughly $452. This reflects updated views on revenue growth, profitability and an outlook that now applies a higher future P/E multiple.Recent updates
CACC: Elevated Margin Assumptions Will Drive Skewed Risk To The Downside
Analysts have raised the Credit Acceptance price target by about $30, citing updated assumptions around fair value, the discount rate, revenue growth, profit margin, and a lower future P/E that are consistent with recent mixed Street research moves on the stock. Analyst Commentary Recent Street research on Credit Acceptance has been mixed, with some price targets raised and at least one lowered.CACC: Evolving EPS Outlook And Mixed Sentiment Will Drive A Balanced Path
Analysts have trimmed their average price target on Credit Acceptance by about $6 to roughly $452. This reflects updated views on revenue growth, profitability and an outlook that now applies a higher future P/E multiple.CACC: Future Buybacks And Leadership Transition Will Shape A Measured Outlook
Analysts have modestly raised their price target on Credit Acceptance to $458.00 from $458, citing incremental adjustments to the discount rate and forward valuation assumptions, while maintaining a constructive view on revenue growth and profitability. What's in the News The board authorizes a new share repurchase program allowing Credit Acceptance to buy back up to 2,000,000 shares, with no stated expiration, signaling ongoing capital return to shareholders (company announcement).CACC: Buybacks And Leadership Transition Will Shape A Balanced Forward Outlook
Analysts have modestly lowered their price target on Credit Acceptance to $458.00 from $458.00, reflecting a slightly reduced discount rate and marginally lower future P E assumptions while maintaining strong expectations for growth and margins. What's in the News On September 29, 2025, the Board authorized a new share repurchase plan allowing Credit Acceptance to buy back up to 2,000,000 shares with no set expiration date (Key Developments).CACC: Share Buyback Program And Leadership Transition Will Shape Outlook
Analysts have raised their price target for Credit Acceptance from $446.25 to $458.00, citing incremental improvements in profit margin and a slight reduction in discount rate as supporting factors for the increased valuation. What's in the News The Board of Directors has unanimously elected Vinayak R.CACC: Share Repurchases And Leadership Transition Will Shape Lending Landscape
Analysts have lowered their price target for Credit Acceptance from $467.50 to $446.25. They cite shifts in projected revenue growth and underlying financial assumptions as key drivers of the revision.
Enhanced Forecasting And Critical Growth Set To Propel Future Revenue And Net Income
Enhanced forecasting and disciplined underwriting amidst economic volatility hint at improved loan performance, net margins, and ultimately net income.Credit Acceptance: Back At Expensive Levels While Facing The Same Concerns
Feb 26Argentine lenders take the lead in week's financial winners, while Chinese fintechs dip
Sep 10Credit Acceptance: Best Near-Term Capital-Gain Portfolio Wealth-Builder
Sep 02Credit Acceptance extends $500M asset-backed financing
Aug 12Shareholder Returns
| CACC | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | -2.5% | -0.5% | 0.6% |
| 1Y | 7.9% | 15.8% | 28.7% |
Return vs Industry: CACC underperformed the US Consumer Finance industry which returned 14.5% over the past year.
Return vs Market: CACC underperformed the US Market which returned 27.6% over the past year.
Price Volatility
| CACC volatility | |
|---|---|
| CACC Average Weekly Movement | 6.1% |
| Consumer Finance Industry Average Movement | 6.8% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.2% |
| 10% least volatile stocks in US Market | 3.3% |
Stable Share Price: CACC has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: CACC's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1972 | 2,314 | Vinayak Hegde | www.creditacceptance.com |
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.
Credit Acceptance Corporation Fundamentals Summary
| CACC fundamental statistics | |
|---|---|
| Market cap | US$5.38b |
| Earnings (TTM) | US$423.90m |
| Revenue (TTM) | US$1.24b |
Is CACC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CACC income statement (TTM) | |
|---|---|
| Revenue | US$1.24b |
| Cost of Revenue | US$71.70m |
| Gross Profit | US$1.17b |
| Other Expenses | US$742.60m |
| Earnings | US$423.90m |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
May 05, 2026
| Earnings per share (EPS) | 39.44 |
| Gross Margin | 94.21% |
| Net Profit Margin | 34.24% |
| Debt/Equity Ratio | 417.0% |
How did CACC perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/04/30 13:43 |
| End of Day Share Price | 2026/04/30 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Credit Acceptance Corporation is covered by 12 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| James Fotheringham | BMO Capital Markets Equity Research |
| Kenneth Bruce | BofA Global Research |
| Giuliano Anderes Bologna | BTIG |