Credit Acceptance Corporation
CACC · Price history
Price at last available close
$575.78
+$44.78 (+8.43%) 1M
2026-10-29
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Company & revenue
About Credit Acceptance Corporation
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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.
How they make money
Credit Acceptance provides financing programs to automobile dealers, enabling them to sell vehicles to consumers with limited credit history. The company earns revenue primarily through finance charges on consumer loans and dealer-related fees, while managing credit risk through a portfolio-based servicing model.
Products & services
Indirect automobile financing programs for dealers and related loan servicing.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company's business is dependent on a network of independent and franchise automobile dealers; no single dealer accounted for more than 10% of total originations in 2025.
Suppliers, materials & equipment
- Automobile Dealers — Independent and franchise automobile dealers who enter into dealer servicing agreements to originate consumer loans.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
51
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
58
Fair
Financial Strength
49
Business Quality / Moat
76
Management
70
Growth Quality
25
Risk / Durability
64
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
73
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
66/100
Building Historical Record
Model Score 66/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
- •Asset quality is a weaker factor
Company-specific research
Questions worth answering for CACC
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can CACC maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is CACC's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is CACC's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is CACC's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
51
Opportunity Score
73
Market Cap
$5.98B
P/E Ratio
11.4
EPS
$46.41
52-Week High
$668.86
52-Week Low
$401.90
Beta
1.35
Intrinsic Value
$1167.14
Analyst Target
$540.00
Shares Outstanding
11.3M
Total Revenue
$2.32B
Total Debt
$6.29B
Dividend
No current dividend
Liquidation Value / Share
$140.76
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for CACC
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Community Sentiment
0 active · 0 total callsNo personal call yet on CACC.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Long-standing dealer relationships.
- +Proprietary credit scoring and underwriting models.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Financial - Credit Services industry.
- −Credit risk associated with subprime consumer loans.
- −Regulatory and legal compliance risks.
- −Dependence on access to capital markets.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
5 historical score records availablePrevious Score
51
Sep 9, 2026
Change
+0.5
points
Current Score
51
Oct 1, 2026
Category Changes
CACC increased 0.5 points because Capital improved by 4 points.
Positive Contributors
- + Capital improved by 4 points
Projected Score
Projected Score
59
Projected Change
+7.8 points
Preliminary comparable-period financial changes suggest improvement of approximately 7.8 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$575.78
Model Intrinsic Value
$1167.14
Difference
−$591.36
-50.7% vs IV
Margin of Safety
50.7%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.32B | $2.32B | $2.13B | $1.88B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $239.7M | $29.0M | $802.2M | $617.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $2.08B | $2.29B | $1.33B | $1.26B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $169.7M | $0.00 | $192.3M | $178.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $1.08B | $1.18B | $1.01B | $915.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $999.2M | $1.06B | $352.9M | $373.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $1.01B | $1.10B | $325.1M | $347.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $329.6M | $462.9M | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $649.5M | $565.4M | $329.5M | $367.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $147.6M | $141.5M | $81.6M | $81.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $501.9M | $423.9M | $247.9M | $286.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $46.41 | $38.26 | $20.12 | $22.09 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 10.48M | 11.08M | 12.32M | 12.95M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 10.73M | 11.29M | 12.47M | 13.01M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$587.4M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$12.66
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-2.9%
Cash Change
-99.8%
Margin Change
+8.0 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Debt reduced
What Weakened
- Cash position declined
Potential Score Impact
Positive indicators included revenue growth, EPS growth, debt levels, net income margin. Pressure indicators included cash levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 2.1%. EPS increased 70.6%. Cash declined 99.8%. Total debt declined 2.9%. Net income margin improved by 8.0 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
18
Smart Money
18
Number of Gurus
2
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
5 historical recordsHistorical Score Chart
3 of 5 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Financial - Credit ServicesNews
CREDIT ACCEPTANCE CORPORATION INVESTOR ALERT: Scott+Scott Attorneys at Law LLP Investigates Credit Acceptance Corporation's Directors and Officers for Breach of Fiduciary Duties – CACC
Credit Acceptance Announces Shannon Wilson as Chief Human Resources Officer
What's Next for CACC After Its Multistate Lending Settlement?
Credit Acceptance Reaches Resolution With State Attorneys General
Rumor Mill · CACC
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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