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Credit Acceptance Corporation
CACC
NASDAQ·Financial Services·Financial - Credit Services·Mkt cap $6.9B
$657.12
▲ +0.21%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$401.90 - $666.24
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 20.6% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Established dealer network and relationships built over 50+ years
- Proprietary underwriting and risk assessment capabilities
- Direct consumer loan servicing and cash flow retention model
- Vehicle service contract reinsurance diversification
Bear Case
2 risks
- Average volatility.
- Premium valuation to Digital Payments peers
Growth
Stable outlook
Expansion of dealer network and loan origination volume
Value
Premium valuation to Digital Payments peers
Momentum
Hot
+57.4% over 3m
Quality
Excellent
Exceptional business - top-tier fundamentals
Dividend
None
No dividend
Smart-money signal
Who's buying CACC right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Jul 30, 2026
MAY 5, 2026
Reported EPS of $10.71 vs $10.73 consensus (-0.2% surprise). Revenue of $580.0M vs $580.8M expected (-0.1%).
EPS surprise · last 4Q
0 of 1 beats
Q2 26
-0.2%
Next: Jul 30, 2026
Revenue trend · last 8Q
—
—
—
+12%
+8%
+6%
-16%
+3%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$531.3M
$543.6M
$557.7M
$562.3M
$575.6M
$576.4M
$466.1M
$580.0M
Margins · last 8Q
Gross
—
Operating
—
Profit
23.4%
Wall Street consensus
2 analysts · 0% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
0%
Hold
100%
Sell
0%
Median Price Target
$540.00
▼ -17.8% vs $657.12
Latest: TD Cowen · May 6, 2026
1 analyst covering