CACC Stock Analysis: Credit Acceptance | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 6.049m USD | 12M Return: 12.8% | US2253101016 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 67.6M
EPS Trend: -5.5%
Qual. Beats: 0
Rev. Trend: 97.7%
Qual. Beats: -1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Credit Acceptance Corporation (NASDAQ: CACC) is a U.S.-based consumer finance company that provides financing programs and related products and services to independent and franchised automobile dealers. Its business model centers on partnering with auto dealers in two ways: advancing money to dealers in exchange for the right to service the underlying consumer loans, and purchasing consumer loans directly from dealers and retaining the amounts collected. The company also reinsures coverage under vehicle service contracts sold by dealers on vehicles it finances. Founded in 1972 and headquartered in Southfield, Michigan, Credit Acceptance operates within the GICS Consumer Finance sub-industry, a segment of the financial sector that typically specializes in lending to consumers, often through indirect channels such as dealer networks.
- Subprime auto loan collections and credit losses drive earnings volatility
- Used vehicle prices impact recovery rates on charged-off loans
- Loan origination volume growth through dealer network expands portfolio
| Net Income: 501.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.14 > 0.02 and ΔFCF/TA 1.46 > 1.0 |
| NWC/Revenue: 346.6% < 20% (prev 366.9%; Δ -20.38% < -1%) |
| CFO/TA 0.14 > 3% & CFO 1.23b > Net Income 501.9m |
| Net Debt (6.28b) to EBITDA (999.2m): 6.29 < 3 |
| Current Ratio: 21.22 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.7m) vs 12m ago -8.81% < -2% |
| Gross Margin: 89.68% > 18% (prev 61.83%; Δ 27.85% > 0.5%) |
| Asset Turnover: 26.79% > 50% (prev 25.67%; Δ 1.13% > 0%) |
| Interest Coverage Ratio: 2.10 > 6 (EBIT TTM 973.1m / Interest Expense TTM 462.9m) |
| A: 0.93 (Total Current Assets 8.45b - Total Current Liabilities 398.3m) / Total Assets 8.62b |
| B: 0.13 (Retained Earnings 1.08b / Total Assets 8.62b) |
| C: 0.11 (EBIT TTM 973.1m / Avg Total Assets 8.67b) |
| D: 0.23 (Book Value of Equity 1.59b / Total Liabilities 7.03b) |
| Altman-Z'' = 7.53 = AAA |
| DSRI: 3.0 (Receivables 7.96b/9.40m, Revenue 2.32b/2.24b) |
| GMI: 0.69 (GM 61.83% / 89.68%) |
| AQI: 4.12 (AQ_t 0.02 / AQ_t-1 0.00) |
| SGI: 1.04 (Revenue 2.32b / 2.24b) |
| TATA: -0.08 (NI 501.9m - CFO 1.23b) / TA 8.62b) |
| Beneish M = 0.21 (Cap -4..+1) = D |
As of September 25, 2026, the stock is trading at USD 547.40 with a total of 146,918 shares traded. Over the past week, the price has changed by -7.28%, over one month by -9.23%, over three months by -9.09% and over the past year by +12.80%.
Current recommended Stop Loss: 505.80 (which is 7.6% or 2.3 ATR below the current price).
Credit Acceptance has received a consensus analysts rating of 2.50. Therefore, it is recommended to sell CACC.
- StrongBuy: 0
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 1
| Analysts Target Price | 636.7 | 16.3% |
P/E Trailing = 13.0451
P/E Forward = 10.9409
P/S = 4.6056
P/B = 3.8612
P/EG = 1.154
Revenue TTM = 2.32b USD
EBIT TTM = 973.1m USD
EBITDA TTM = 999.2m USD
Long Term Debt = 6.29b USD (from longTermDebt, last quarter)
Short Term Debt = 2.18b USD (from shortTermDebt, last fiscal year)
Debt = 6.29b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 6.28b USD (calculated: Debt 6.29b - CCE 1.40m)
Enterprise Value = 12.3b USD (6.05b + Debt 6.29b - CCE 1.40m)
Interest Coverage Ratio = 2.10 (Ebit TTM 973.1m / Interest Expense TTM 462.9m)
EV/FCF = 10.10x (Enterprise Value 12.3b / FCF TTM 1.22b)
FCF Yield = 9.90% (FCF TTM 1.22b / Enterprise Value 12.3b)
FCF Margin = 52.55% (FCF TTM 1.22b / Revenue TTM 2.32b)
Net Margin = 21.60% (Net Income TTM 501.9m / Revenue TTM 2.32b)
Gross Margin = 89.68% ((Revenue TTM 2.32b - Cost of Revenue TTM 239.7m) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 1.43 (Enterprise Value 12.3b / Total Assets 8.62b)
Interest Expense / Debt = 7.36% (Interest Expense 462.9m / Debt 6.29b)
Taxrate = 22.73% (147.6m / 649.5m)
NOPAT = 752.0m (EBIT 973.1m * (1 - 22.73%))
Current Ratio = 21.22 (Total Current Assets 8.45b / Total Current Liabilities 398.3m)
Debt / Equity = 3.96 (Debt 6.29b / totalStockholderEquity, last quarter 1.59b)
Debt / EBITDA = 6.29 (Net Debt 6.28b / EBITDA 999.2m)
Debt / FCF = 5.15 (Net Debt 6.28b / FCF TTM 1.22b)
Total Stockholder Equity = 1.55b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.79% (Net Income 501.9m / Total Assets 8.62b)
RoE = 32.35% (Net Income TTM 501.9m / Total Stockholder Equity 1.55b)
RoCE = 12.42% (EBIT 973.1m / Capital Employed (Equity 1.55b + L.T.Debt 6.29b))
RoIC = 7.23% (NOPAT 752.0m / Invested Capital 10.4b)
WACC = 7.57% (E(6.05b)/V(12.3b) * Re(9.52%) + D(6.29b)/V(12.3b) * Rd(7.36%) * (1-Tc(0.23)))
Discount Rate = 9.52% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.89 | Cagr: -7.03%
[DCF] Terminal Value 76.68% ; FCFF base≈1.18b ; Y1≈1.28b ; Y5≈1.59b
[DCF] Fair Price = 1.73k (EV 24.4b - Net Debt 6.28b = Equity 18.1b / Shares 10.5m; r=8.35% [WACC [floored]]; 5y FCF grow 10.20% → 2.50% )
EPS Correlation: -5.48 | EPS CAGR: -0.32% | SUE: 0.23 | # QB: 0
Revenue Correlation: 97.73 | Revenue CAGR: 9.53% | SUE: -3.93 | # QB: -1
EPS current Quarter (2026-09-30): EPS=12.42 | Chg30d=+0.49% | Revisions=+0% | Analysts=2
EPS current Year (2026-12-31): EPS=47.73 | Chg30d=+0.02% | Revisions=+0% | GrowthEPS=+16.3% | GrowthRev=-7.8%
EPS next Year (2027-12-31): EPS=54.80 | Chg30d=-1.16% | Revisions=+0% | GrowthEPS=+14.8% | GrowthRev=+7.2%
[Analyst] Revisions Ratio: +0% (up=3, down=3)