CACC
NEUTRAL
$444.72
Live
Credit Acceptance Corporation · NASDAQ
Target $451.67
(+1.6%)
$401.9
52W Range
$549.75
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 08, 2026
Market cap
$4.91B
P/E
12.22
ROE
25.9%
Profit margin
34.2%
Debt/Equity
4.17
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
60%
CACC shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics. Price trades at a 74.6% premium to fair value estimate ($254.73), limiting near-term upside from a valuation perspective.
Key Strengths
Attractive valuation with P/E of 12.2
Strong profitability (34.2% margin)
Strong ROE of 25.9%
Key Risks
High debt burden with D/E of 4.17
Price trades at a 74.6% premium to fair value estimate ($254.73), limiting near-term upside from a valuation perspective.
AI Fair Value Estimate
Based on comprehensive analysis
$254.73
-42.7% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
43
Moderate
55
50
70
40
0
AI Verdict
CACC shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics.
Key drivers: Attractive valuation with P/E of 12.2, Strong profitability (34.2% margin), High debt burden with D/E of 4.17
Confidence
60%
Value
55/100
Rule-based valuation (P/E + Graham).
Positives
- Trades at attractive 12.2x trailing earnings.
Watchpoints
- Trades above Graham Number.
- Price trades at a 74.6% premium to fair value estimate ($254.73), limiting near-term upside from a valuation perspective.
Future
50/100
Rule-based growth outlook.
Positives
- Insufficient data for clear positives.
Watchpoints
No urgent risks highlighted.
Past
70/100
Historical performance + price trend: Shares moved +22.5% over 5Y and -4.4% over 1Y.
Positives
- ROE sits at 25.9%.
- Healthy profit margin of 34.2%.
Watchpoints
No urgent risks highlighted.
Health
40/100
Balance sheet & liquidity (Z-Score: N/A).
Positives
- Insufficient data for clear positives.
Watchpoints
- High D/E ratio (4.17).
Dividend
0/100
Dividend policy fallback.
Positives
- Insufficient data for clear positives.
Watchpoints
- No regular dividend payments.
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$444.72
Analyst Target
$451.67
Upside/Downside
+1.6%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for CACC and closest competitors.
Updated 2026-04-07
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
CACC
Credit Acceptance Corporation
Primary
|
+22.5% | +2.6% | -4.4% | -9.8% | -11.3% | +5.0% |
|
AX
Axos Financial, Inc.
Peer
|
+123.1% | +117.6% | +29.3% | +8.3% | +3.2% | -2.9% |
|
BBAR
Banco BBVA Argentina S.A.
Peer
|
+853.0% | +421.2% | -15.4% | +22.0% | +6.0% | +9.6% |
|
ASB
Associated Banc-Corp
Peer
|
+67.4% | +34.5% | +8.3% | +5.1% | -0.4% | -0.4% |
|
AB
AllianceBernstein Holding L.P.
Peer
|
+61.4% | +31.7% | +5.9% | -5.4% | -0.1% | -3.0% |
CAC
Credit Acceptance Corporation
Primary
5Y
+22.5%
3Y
+2.6%
1Y
-4.4%
6M
-9.8%
1M
-11.3%
1W
+5.0%
AX
Axos Financial, Inc.
Peer
5Y
+123.1%
3Y
+117.6%
1Y
+29.3%
6M
+8.3%
1M
+3.2%
1W
-2.9%
BBA
Banco BBVA Argentina S.A.
Peer
5Y
+853.0%
3Y
+421.2%
1Y
-15.4%
6M
+22.0%
1M
+6.0%
1W
+9.6%
ASB
Associated Banc-Corp
Peer
5Y
+67.4%
3Y
+34.5%
1Y
+8.3%
6M
+5.1%
1M
-0.4%
1W
-0.4%
AB
AllianceBernstein Holding L.P.
Peer
5Y
+61.4%
3Y
+31.7%
1Y
+5.9%
6M
-5.4%
1M
-0.1%
1W
-3.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
12.22
Forward P/E
8.76
PEG Ratio
N/A
P/B Ratio
3.12
P/S Ratio
3.96
EV/Revenue
8.94
EV/EBITDA
N/A
Market Cap
$4.91B
Profitability
Profit margins and return metrics
Profit Margin
34.23%
Operating Margin
46.66%
Gross Margin
94.21%
ROE
25.9%
ROA
4.85%
Growth
Revenue and earnings growth rates
Revenue Growth
+1.6%
Earnings Growth
-10.4%
Q/Q Revenue Growth
+2.85%
Q/Q Earnings Growth
-19.7%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
4.17
High debt
Current Ratio
3.29
Strong
Quick Ratio
3.1
Excellent
Cash/Share
$2.12
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.6B
Gross Margin
63.3%
Op. Margin
40.7%
Net Margin
21.3%
Total Assets
$8.6B
Liabilities
$7.1B
Equity
$1.5B
Debt/Equity
4.67x
Operating CF
$0.3B
CapEx
$-0.0B
Free Cash Flow
$0.3B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-29
$N/A
2026-01-29
$11.35
+15.2% surprise
2025-10-30
$10.28
+8.8% surprise
2025-07-31
$8.56
-12.9% surprise
Financial Services Sector Comparison
Comparing CACC against 245 companies in the Financial Services sector
(33 bullish, 106 neutral, 106 bearish)
P/E Ratio
12.22
This Stock
vs
27.96
Sector Avg
-56.3%
(Discount)
Return on Equity (ROE)
25.9%
This Stock
vs
-2.43%
Sector Avg
-1165.3%
(Below Avg)
Profit Margin
34.23%
This Stock
vs
80.5%
Sector Avg
-57.5%
(Weaker)
Debt to Equity
4.17
This Stock
vs
1.51
Sector Avg
+177.0%
(Higher)
Revenue Growth
1.6%
This Stock
vs
28.96%
Sector Avg
-94.5%
(Slower)
Current Ratio
3.29
This Stock
vs
3.49
Sector Avg
-5.9%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
CACC
Credit Acceptance Corporation
|
NEUTRAL | $4.91B | 12.22 | 25.9% | 34.2% | $444.72 | |
|
AX
Axos Financial, Inc.
|
NEUTRAL | $5.2B | 12.94 | 16.7% | 36.0% | $91.75 | Compare |
|
BBAR
Banco BBVA Argentina S.A.
|
BEARISH | $4.46B | 30.28 | 7.2% | 8.5% | $19.38 | Compare |
|
ASB
Associated Banc-Corp
|
NEUTRAL | $4.39B | 31.86 | 3.8% | 16.0% | $26.44 | Compare |
|
AB
AllianceBernstein Holding L.P.
|
BEARISH | $4.31B | 13.16 | 19.8% | -% | $38.96 | Compare |
CACC
Credit...
NEUTRAL
Mkt Cap
$4.9B
P/E
12.2
ROE
25.9%
Price
$444.72
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-09 | BOOTH KENNETH S | Director | Sale | 2,000 | $1,016,000 |
| 2026-02-09 | LUM JONATHAN | Chief Operating Officer | Stock Award | 893 | - |
| 2026-02-09 | MARTIN JAY D. | Chief Financial Officer | Sale | 4,339 | $2,224,263 |
| 2026-02-09 | MARTIN JAY D. | Chief Financial Officer | Option Exercise | 3,000 | $1,001,820 |
| 2026-02-09 | ELLIOTT NICHOLAS J | Officer | Stock Award | 2,492 | - |
| 2026-02-06 | BOOTH KENNETH S | Director | Sale | 3,219 | $1,644,841 |
| 2026-02-02 | RUMMLER WENDY A | Officer | Sale | 2,890 | $1,471,594 |
| 2026-02-02 | RUMMLER WENDY A | Officer | Option Exercise | 2,890 | $965,087 |
| 2026-01-30 | ULATOWSKI DANIEL A | Officer | Sale | 589 | $294,571 |
| 2026-01-30 | ULATOWSKI DANIEL A | Officer | Option Exercise | 589 | $196,691 |
| 2026-01-30 | RUMMLER WENDY A | Officer | Sale | 5,236 | $2,583,631 |
| 2026-01-30 | RUMMLER WENDY A | Officer | Option Exercise | 5,236 | $1,748,510 |
| 2025-12-30 | TRYFOROS THOMAS N | Director | Gift | 5,181 | - |
| 2025-12-24 | FLANAGAN GLENDA J | Director | Gift | 1,894 | - |
| 2025-12-16 | WATSON JILL FOSS | Beneficial Owner of more than 10% of a Class of Security | Gift | 550 | - |
BOOTH KENNETH S
Director
2026-02-09
2,000 shares
·
$1,016,000
LUM JONATHAN
Chief Operating Officer
2026-02-09
893 shares
MARTIN JAY D.
Chief Financial Officer
2026-02-09
4,339 shares
·
$2,224,263
MARTIN JAY D.
Chief Financial Officer
2026-02-09
3,000 shares
·
$1,001,820
ELLIOTT NICHOLAS J
Officer
2026-02-09
2,492 shares
BOOTH KENNETH S
Director
2026-02-06
3,219 shares
·
$1,644,841
RUMMLER WENDY A
Officer
2026-02-02
2,890 shares
·
$1,471,594
RUMMLER WENDY A
Officer
2026-02-02
2,890 shares
·
$965,087
ULATOWSKI DANIEL A
Officer
2026-01-30
589 shares
·
$294,571
ULATOWSKI DANIEL A
Officer
2026-01-30
589 shares
·
$196,691
RUMMLER WENDY A
Officer
2026-01-30
5,236 shares
·
$2,583,631
RUMMLER WENDY A
Officer
2026-01-30
5,236 shares
·
$1,748,510
TRYFOROS THOMAS N
Director
2025-12-30
5,181 shares
FLANAGAN GLENDA J
Director
2025-12-24
1,894 shares
WATSON JILL FOSS
Beneficial Owner of more than 10% of a Class of Security
2025-12-16
550 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
3 analysts
TD Cowen
2026-01-30
Hold
Hold
TD Cowen
2025-10-31
Sell
Sell
Past News Coverage
Recent headlines mentioning CACC from our newsroom.
Newest → oldest
No matching news yet.