Credit Acceptance Corporation (CACC)

NMS – Real Time Price. Currency in USD

628.86

+5.16 (0.83%)

At close: Jun 26, 2026, 4:00 PM EDT

628.86

0.00 (0.00%)

After-hours: Jun 26, 2026, 5:31 PM EDT

Stock details

Previous close: 628.86$
Day's range: 611.72 - 638.55$
52-week range: 401.9 - 638.55$
Volume: 208 841
Average volume: 263 667
Beta: 1.76
EPS (TTM): 41
PE ratio (TTM): 15.63
Forward P/E: 13.06
Market cap: 6 577 920 450
Shares outstanding: 10 460 071
Dividend yield: N/A
Next earnings date: 2026-08-05
Sector: Financials
Industry: Credit Services

About the company

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 ... read more

CEO: Vinayak Hegde
Country: United States
IPO Date: 1992-06-05
Employees: 2314
Fiscal Year End: January - December
Website: https://www.creditacceptanc...

Revenue Breakdown

Dealers Innovative Financing Solutions and Related Products and Services / 100.00%

News

No Data

There are no news for this stock.

Chart: CACC

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Overall Score

4.6 / 1046%

Financial Strength

Profitability

8.2

Effectiveness

6.8

Growth

5.2

Forecast

6.4

Valuation

4.4

Dividend

Economic Moat

Octagon View

Strength & Weakness

Total debt $6.4B significantly exceeds cash reserves ($551.4M), raising financial stability concerns

Total current assets $0.0 are just enough to cover Total current liabilities $2.2B, indicating tight liquidity

Debt-to-equity ratio (4.2) far exceeds the industry average, reflecting over-leverage

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $345.5M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.27	10.91	3.0
Quick ratio	0.27	10.10	3.0
Debt to Equity	4.23	3.44	2.0
Debt to Assets	0.74	1.99	2.0
Interest coverage	N/A	71.90	10
Weighted average score			4.0

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	1.83B	1.90B	2.16B	2.32B	2.33B
Gross Profit	1.81B	1.88B	2.13B	N/A	1.15B
Operating Income	879M	634M	773M	1.10B	1.09B
Net Income	536M	286M	248M	424M	453M
EBITDA	1.39B	1.40B	1.62B	1.13B	1.44B

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	64.01	1.0
Operating margin %	48.86	0.03	10
Net margin %	23.41	-121.55	10
EBITDA margin %	49.98	-20.51	10
Cash flow margin %	59.79	-144.24	10
Weighted average score			8.2

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	4.92	-153.95	6.0
ROE	27.36	41.47	10
ROIC	5.94	-22.19	6.0
ROCE	4.70	-1.81	5.0
Weighted average score			6.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	0.96	38.44	6.0
Next quarter	2.33	19.17	6.0
Current year	2.13	21.78	6.5
Next year	6.64	17.45	7.0
Weighted average score			6.4

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	0.02	11.31	-5.63	28.49	5.0
Y/Y	1.56	27.75	14.55	-0.11	5.5
3y average	8.22	3.69	0.32	-5.15	3.3
5y average	6.91	18.92	24.12	1.92	6.8
Weighted average score					5.2

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	15.69	-29.69	6.0
PEG (5yr expected)	N/A	0.88	1.0
P/S	3.10	102.37	6.4
P/B	4.35	-0.46	4.0
Weighted average score			4.4

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR6.32%

FCF 5 year CAGR4

Fair value2322.83$

Stock price628.86$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$2322.83

UndervaluedStock priceOvervalued

$628.86

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Vinayak Hegde

Country

United States

IPO Date

1992-06-05

Employees

2314

Fiscal Year End

January - December

Website

https://www.creditacceptanc...

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.27

10.91

3.0

Quick ratio

0.27

10.10

3.0

Debt to Equity

4.23

3.44

2.0

Debt to Assets

0.74

1.99

2.0

Interest coverage

N/A

71.90

Weighted average score

4.0

METRIC

2022

2023

2024

2025

TTM

Total Revenue

1.83B

1.90B

2.16B

2.32B

2.33B

Gross Profit

1.81B

1.88B

2.13B

N/A

1.15B

Operating Income

879M

634M

773M

1.10B

1.09B

Net Income

536M

286M

248M

424M

453M

EBITDA

1.39B

1.40B

1.62B

1.13B

1.44B

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

64.01

1.0

Operating margin %

48.86

0.03

Net margin %

23.41

-121.55

EBITDA margin %

49.98

-20.51

Cash flow margin %

59.79

-144.24

Weighted average score

8.2

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

4.92

-153.95

6.0

ROE

27.36

41.47

ROIC

5.94

-22.19

6.0

ROCE

4.70

-1.81

5.0

Weighted average score

6.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

0.96

38.44

6.0

Next quarter

2.33

19.17

6.0

Current year

2.13

21.78

6.5

Next year

6.64

17.45

7.0

Weighted average score

6.4

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

0.02

11.31

-5.63

28.49

5.0

Y/Y

1.56

27.75

14.55

-0.11

5.5

3y average

8.22

3.69

0.32

-5.15

3.3

5y average

6.91

18.92

24.12

1.92

6.8

Weighted average score

5.2

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

15.69

-29.69

6.0

PEG (5yr expected)

N/A

0.88

1.0

P/S

3.10

102.37

6.4

P/B

4.35

-0.46

4.0

Weighted average score

4.4

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Credit Acceptance Corporation (CACC)

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Credit Acceptance Corporation (CACC)

Stock details

About the company

Revenue Breakdown

News

Chart: CACC

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$2322.83

$628.86

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: CACC

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$2322.83

$628.86

Economic Moat