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CACC Overview

-
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
491.790
Open
478.470
VWAP
484.15
Vol
104.83K
Mkt Cap
5.26B
Low
470.810
Amount
50.75M
EV/EBITDA(TTM)
10.12
Total Shares
10.75M
EV
11.44B
EV/OCF(TTM)
10.84
P/S(TTM)
2.39
Credit Acceptance Corporation is engaged in providing financing solutions that enable automobile dealers to sell vehicles to consumers. The Company’s financing programs are offered through a nationwide network of automobile dealers. Its loan portfolio consists of two portfolio segments: dealer loans and purchased loans. The Company offers two programs: the Portfolio Program and the Purchase Program. Under the Portfolio Program, the Company advances money to dealers in exchange for the right to service the underlying consumer loans. Under the Purchase Program, the Company buys the consumer loans from the dealers and keeps all amounts collected from the consumer. Its target market consists of approximately 60,000 independent and franchised automobile dealers in the United States. The Company has market area managers located throughout the United States that market its programs to dealers, enroll new dealers, and support active dealers.
Show More

Events Timeline

(ET)
2026-03-19
16:10:00
Credit Acceptance Appoints Steffen Schumann as Chief Business Officer
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2026-01-29 (ET)
2026-01-29
16:10:00
Credit Acceptance Reports Q4 Revenue of $579.9M
select
2025-10-30 (ET)
2025-10-30
16:19:53
Credit Acceptance announces Q3 adjusted EPS of $10.28, surpassing consensus estimate of $9.45
select
2025-10-28 (ET)
2025-10-28
08:49:23
Credit Acceptance reveals Booth's retirement as CEO, with Hegde set to take over.
select
2025-07-31 (ET)
2025-07-31
16:09:16
Credit Acceptance reports Q2 adjusted EPS $8.56, consensus $9.83
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News

CNBC
7.5
03-30CNBC
Rising Negative Equity Among New Car Buyers
  • Rising Negative Equity: According to J.D. Power, 30.5% of new car buyers are facing negative equity on trade-ins, up 4.2 percentage points from last year, indicating increasing market pressures that affect consumer purchasing decisions.
  • Record High Debt Levels: As of Q4 2025, the average amount owed on underwater trade-ins reached $7,214, a record high, with 27% of these trade-ins carrying over $10,000 in negative equity, reflecting a deterioration in consumer financial health.
  • Increased Payment Burden: The average monthly payment for buyers rolling negative equity into new loans hit $916, which is $144 higher than the average payment for all new car purchases, indicating greater financial strain on consumers when buying vehicles.
  • Extended Loan Terms Trend: Among new car purchases involving negative equity, 40.7% are financed with 84-month loans, suggesting that consumers are extending loan terms to cope with high vehicle prices, thereby increasing future negative equity risks.
NASDAQ.COM
2.0
03-30NASDAQ.COM
Positive Outlook for Consumer Loan Industry Amid Lower Rates
  • Interest Rates & Loan Demand: The Federal Reserve has cut interest rates by 175 basis points since 2024, and while further cuts are unlikely due to the Middle East conflict, low rates are expected to sustain stable growth in consumer loan demand, driving overall industry revenue growth.
  • Easing Lending Standards: Since 2018, major credit reporting agencies have removed all tax liens from consumer credit reports, improving consumer credit scores and expanding the borrower base, which helps loan providers meet increasing loan demand.
  • Asset Quality Challenges: While lower interest rates assist borrowers in making timely repayments, ongoing macroeconomic and geopolitical pressures may lead to inflation, affecting borrowers' repayment capacity, prompting loan providers to set aside more funds for potential delinquent loans.
  • Strong Industry Performance: The Zacks Consumer Loans industry has impressively risen by 45.3% over the past two years, significantly outperforming the S&P 500's 29.7% and the Finance sector's 24.3%, indicating robust potential for the industry amid economic recovery.
Benzinga
4.5
03-13Benzinga
U.S. Stocks Fluctuate Amid Downward Revision of Economic Growth
  • Economic Growth Revision: The Bureau of Economic Analysis revised the fourth-quarter 2025 GDP growth to 0.7%, down 0.7 percentage points from its advance estimate, indicating signs of economic slowdown that may affect investor confidence.
  • Persistent Inflation Pressure: The January Core Personal Consumption Expenditure price index showed a 3.1% annual increase, up from the previous 3%, further deviating from the Fed's 2% target, potentially prompting the Fed to adopt tighter monetary policies to combat inflation.
  • Oil Market Volatility: While Washington temporarily eased sanctions on Russian crude to expand global supply, tensions between Iran and the U.S. continue to threaten Persian Gulf energy flows, keeping West Texas Intermediate prices near $95 a barrel.
  • Major Indices Performance: By midday in New York, the Dow Jones Industrial Average rose 0.3% to 46,820, the S&P 500 held flat at 6,670, and the Nasdaq 100 was little changed at 24,530, reflecting market uncertainty.
Fool
6.5
03-10Fool
SMITH THOMAS W Significantly Reduces Yelp Holdings
  • Share Reduction Details: According to an SEC filing dated February 17, 2026, SMITH THOMAS W reduced its position in Yelp by 96,280 shares during Q4, resulting in a $4.09 million decline in value, reflecting both the sale and stock price changes, indicating a cautious outlook on Yelp's future performance.
  • Remaining Stake Proportion: After the reduction, SMITH THOMAS W's remaining stake in Yelp constitutes only 0.22% of its 13F AUM, suggesting a significant loss of confidence in Yelp's investment potential, which may influence market perceptions of the company.
  • Top Holdings Analysis: As of February 17, 2026, SMITH THOMAS W's top holdings include CACC valued at $42.08 million (38.9% of AUM), W at $23.81 million (22.0% of AUM), and BTI at $22.51 million (20.8% of AUM), demonstrating a diversified investment strategy and preference for other companies.
  • Yelp Market Performance: As of February 17, 2026, Yelp's stock price stood at $20.68, down 45.7% over the past year, underperforming the S&P 500 by 56.53 percentage points, reflecting the challenges it faces in a competitive market environment.
NASDAQ.COM
6.5
03-10NASDAQ.COM
SMITH THOMAS W Reduces Yelp Holdings by 96,280 Shares
  • Share Reduction Details: SMITH THOMAS W sold 96,280 shares of Yelp in Q4 2026, resulting in a $4.09 million decline in position value, reflecting both stock price fluctuations and the sale itself.
  • Asset Management Impact: This transaction represented a 2.75% decrease in the fund's 13F reportable assets under management (AUM), with the remaining Yelp stake now accounting for only 0.22% of AUM, thus falling outside the fund's top five holdings.
  • Stock Performance Analysis: As of February 17, 2026, Yelp's stock price stood at $20.68, down 45.7% over the past year, significantly underperforming the S&P 500 by 56.53 percentage points, indicating a pessimistic market outlook on its growth potential.
  • Business Model Overview: Yelp operates as a leading online platform connecting consumers with local businesses through a mix of advertising and digital solutions, with its scalable business model supported by a large user base and diverse service offerings that drive recurring revenue streams.
Yahoo Finance
4.5
03-06Yahoo Finance
U.S. Jobs Report Unexpectedly Weak, Stock Market Declines
  • Weak Job Market: The U.S. economy unexpectedly lost 92,000 jobs in February, contrasting sharply with economists' forecasts of a 60,000 gain, while the unemployment rate rose to 4.4% from 4.3% in January, indicating potential economic strain that directly impacts financial sector revenues.
  • Market Reaction: Following the report, several stocks declined, with Affiliated Managers Group (NYSE:AMG) down 3.9%, Credit Acceptance (NASDAQ:CACC) down 3.5%, and Ally Financial (NYSE:ALLY) down 4%, reflecting investor concerns about the economic outlook.
  • Increased Credit Risk: A weakening economy may lead to reduced borrowing and investment activity by businesses and consumers, raising concerns about borrowers' ability to repay existing loans, which increases credit risk for lenders and could affect their profitability.
  • Inflation Expectations Impact: Prior to this, the Producer Price Index (PPI) unexpectedly rose by 0.5%, exceeding expectations, dampening market optimism for near-term interest rate cuts from the Federal Reserve, and intensifying expectations for prolonged high interest rates, triggering broad market sell-offs.
Wall Street analysts forecast CACC stock price to rise
1 Analyst Rating
Wall Street analysts forecast CACC stock price to rise
0 Buy
1 Hold
0 Sell
Hold
Current: 0.000
sliders
Low
470.00
Averages
470.00
High
470.00
Current: 0.000
sliders
Low
470.00
Averages
470.00
High
470.00
TD Cowen
Moshe Orenbuch
Hold
to
Hold
downgrade
$470 -> $450
AI Analysis
2026-03-31
Reason
TD Cowen
Moshe Orenbuch
Price Target
$470 -> $450
AI Analysis
2026-03-31
downgrade
Hold
to
Hold
Reason
TD Cowen analyst Moshe Orenbuch lowered the firm's price target on Credit Acceptance to $450 from $470 and keeps a Hold rating on the shares. The firm adjusted price targets in the consumer finance group as part of a Q1 preview. Macro environment uncertainty has increased due to concerns about AI on employment and geopolitics, the analyst tells investors in a research note. TD believes higher gas prices will be a headwind to low-income consumers. Competition has remained elevated in auto lending, adds the firm. Its top picks are Capital One (COF), SLM (SLM) and Affirm (AFRM).
Citron Research
Citron
upgrade
$714
2026-03-04
Reason
Citron Research
Citron
Price Target
$714
2026-03-04
upgrade
Reason
Citron Research says it has covered Credit Acceptance for years - and not always favorably, as it was among those who believed the regulatory scrutiny posed existential risk. "We were wrong," Citron says in a recently published report. "The company quietly resolved every major legal threat without a fundamental crack in the business. That's not spin - that's called intellectual honesty. The facts changed. So did our view. We do not write reports to stay consistent with past positions. We write reports because we see something the market is missing. What we missed before - and what the market is still missing today - is that CACC's underlying business never broke. While NYAG and CFPB headlines dominated the narrative, the company kept lending, kept collecting, kept buying back stock, and kept generating cash. The bears got the headline right and the business completely wrong." Citron has a $714 fair value on Credit Acceptance, and notes it "generates an enormous amount of cash, manages capital as well as any company in America, and trades at a 30% discount to where history says it should be."
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for CACC
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Valuation Metrics

The current forward P/E ratio for Credit Acceptance Corp (CACC.O) is 10.75, compared to its 5-year average forward P/E of 12.13. For a more detailed relative valuation and DCF analysis to assess Credit Acceptance Corp's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
12.13
Current PE
10.75
Overvalued PE
13.52
Undervalued PE
10.74

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
2.55
Current EV/EBITDA
9.19
Overvalued EV/EBITDA
8.01
Undervalued EV/EBITDA
-2.90

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
3.22
Current PS
2.05
Overvalued PS
4.15
Undervalued PS
2.30

Financials

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CACC logo
CACC
Credit Acceptance Corp
4.87B

Whales Holding CACC

S
Smead Capital Management, Inc.
Holding
CACC
+7.23%
3M Return
C
Cerity Partners LLC
Holding
CACC
+0.65%
3M Return
G
Gobi Capital LLC
Holding
CACC
+0.20%
3M Return
R
Ruane, Cunniff & Goldfarb L.P.
Holding
CACC
-6.39%
3M Return
P
Prescott General Partners LLC
Holding
CACC
-7.31%
3M Return
B
Beck, Mack & Oliver LLC
Holding
CACC
-10.70%
3M Return

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Frequently Asked Questions

What is Credit Acceptance Corp (CACC) stock price today?

The current price of CACC is 489.84 USD — it has increased 3.11

What is Credit Acceptance Corp (CACC)'s business?

Credit Acceptance Corporation is engaged in providing financing solutions that enable automobile dealers to sell vehicles to consumers. The Company’s financing programs are offered through a nationwide network of automobile dealers. Its loan portfolio consists of two portfolio segments: dealer loans and purchased loans. The Company offers two programs: the Portfolio Program and the Purchase Program. Under the Portfolio Program, the Company advances money to dealers in exchange for the right to service the underlying consumer loans. Under the Purchase Program, the Company buys the consumer loans from the dealers and keeps all amounts collected from the consumer. Its target market consists of approximately 60,000 independent and franchised automobile dealers in the United States. The Company has market area managers located throughout the United States that market its programs to dealers, enroll new dealers, and support active dealers.

What is the price predicton of CACC Stock?

Wall Street analysts forecast CACC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CACC is470.00 USD with a low forecast of 470.00 USD and a high forecast of 470.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Credit Acceptance Corp (CACC)'s revenue for the last quarter?

Credit Acceptance Corp revenue for the last quarter amounts to 579.90M USD, increased 2.47

What is Credit Acceptance Corp (CACC)'s earnings per share (EPS) for the last quarter?

Credit Acceptance Corp. EPS for the last quarter amounts to 11.00 USD, decreased -10.20

How many employees does Credit Acceptance Corp (CACC). have?

Credit Acceptance Corp (CACC) has 2314 emplpoyees as of April 15 2026.

What is Credit Acceptance Corp (CACC) market cap?

Today CACC has the market capitalization of 5.26B USD.