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CACC

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EV/EBITDA(TTM)
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Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q3
FY2025Q4
FY2026Q1
592.19M
+7.61%
9.523
+8.33%
597.67M
+5.61%
10.195
+0.25%
599.57M
+4.99%
10.280
+9.95%
Estimates Revision
The market is revising Downward the revenue expectations for Credit Acceptance Corporation (CACC) for FY2025, with the revenue forecasts being adjusted by -0.34% over the past three months. During the same period, the stock price has changed by -9.80%.
Revenue Estimates for FY2025
Revise Downward
down Image
-0.34%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
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+1.24%
In Past 3 Month
Stock Price
Go Down
down Image
-9.80%
In Past 3 Month
2 Analyst Rating
up Image0
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 is 497.50 USD with a low forecast of 470.00 USD and a high forecast of 525.00  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.
0 Buy
1 Hold
1 Sell
Moderate Sell
up Image0
Current: 447.510
sliders
Low
470.00
Averages
497.50
High
525.00
up Image0
Current: 447.510
sliders
Low
470.00
Averages
497.50
High
525.00
TD Cowen
Moshe Orenbuch
Strong Sell
Maintains
$420 → $450
2025-01-31
Reason
TD Cowen
Moshe Orenbuch
Price Target
$420 → $450
2025-01-31
Maintains
Strong Sell
Reason
Stephens & Co.
Kyle Joseph
Hold
Maintains
$452 → $500
2025-01-31
Reason
Stephens & Co.
Kyle Joseph
Price Target
$452 → $500
2025-01-31
Maintains
Hold
Reason
Stephens analyst Kyle Joseph raised the firm's price target on Credit Acceptance to $500 from $452 and keeps an Equal Weight rating on the shares. Q4 adjusted EPS topped the firm's and Street's estimates as expenses were "well below" Stephens' estimate, primarily as a result of a lower than forecast provision, the analyst tells investors. Loan growth remains strong and dealer engagement is increasing, while newer, higher quality loans are replacing the troubled 2022 vintage, which "should pave the way for greater earnings stability," the analyst tells investors.
TD Cowen
Moshe Orenbuch
Strong Sell
Maintains
$380 → $420
2025-01-08
Reason
TD Cowen
Moshe Orenbuch
Price Target
$380 → $420
2025-01-08
Maintains
Strong Sell
Reason
Stephens & Co.
Kyle Joseph
Hold
Initiates
$452
2024-11-13
Reason
Stephens & Co.
Kyle Joseph
Price Target
$452
2024-11-13
Initiates
Hold
Reason
TD Cowen
Moshe Orenbuch
Strong Sell
Maintains
$400 → $380
2024-11-01
Reason
TD Cowen
Moshe Orenbuch
Price Target
$400 → $380
2024-11-01
Maintains
Strong Sell
Reason
TD Cowen lowered the firm's price target on Credit Acceptance to $380 from $400 and keeps a Sell rating on the shares. The firm reduced its estimates and target on weaker forecasted collections.
See All Ratings

Valuation Metrics

The current forward P/E ratio for Credit Acceptance Corp (CACC.O) is 10.80, compared to its 5-year average forward P/E of 11.97. For a more detailed relative valuation and DCF analysis to assess Credit Acceptance Corp 's fair value, click here.
    Forward PE
    Forward EV/EBITDA
    Forward PS

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
Fair
5Y Average PE
11.97
Current PE
10.80
Overvalued PE
13.87
Undervalued PE
10.06

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
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

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
Undervalued
5Y Average PS
3.43
Current PS
2.31
Overvalued PS
4.28
Undervalued PS
2.58

Financials

Annual
Quarterly
N/A
Total Revenue
N/A
Operating Profit
N/A
Net Income after Tax
N/A
EPS - Diluted
N/A
Free Cash Flow
N/A
FCF Margin - %
N/A
Net Margin - %
N/A
ROIC

Trading Trends

    Insider
    Hedge Fund
    Congress Trading
Insider
Insiders areSelling! The selling amount has increased 207.82% over the last month.
Sold
Bought
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders areSelling! The selling amount has increased 207.82% over the last month.
Sold
Bought

CACC News & Events

Events Timeline

(ET)
2025-07-31
16:09:16
Credit Acceptance reports Q2 adjusted EPS $8.56, consensus $9.83
select
2025-04-30 (ET)
2025-04-30
16:10:19
Credit Acceptance reports Q1 adjusted EPS $9.35, consensus $9.67
select
2025-04-24 (ET)
2025-04-24
19:00:59
Credit Acceptance welcomes CPFB's withdrawal from lawsuit
select
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News

Preview
9.5
08-01NASDAQ.COM
PinnedCACC Q2 EPS Drops 17%

  • Earnings Performance: Credit Acceptance reported a significant miss on adjusted earnings per share at $8.56, falling short of the $10.16 estimate, while GAAP revenue slightly exceeded expectations at $583.8 million, reflecting an 8.46% year-over-year increase.

  • Loan Origination Challenges: The company faced sharp declines in loan origination volumes, with unit assignments down 14.6% and dollar assignments down 18.8%, alongside rising legal costs and deteriorating portfolio quality, indicating ongoing challenges in profitability and market share.

Preview
2.0
08-01NASDAQ.COM
Credit Acceptance Becomes Oversold (CACC)

  • Credit Acceptance Corp Trading Update: Credit Acceptance Corp (CACC) shares have entered oversold territory with an RSI of 29.2, indicating potential buying opportunities after recent heavy selling, as the stock trades at $433.73.

  • 52-Week Performance Range: CACC's 52-week low is $409.22 and high is $560, with the last trade recorded at $446.14, suggesting a significant fluctuation in its stock price over the past year.

Preview
8.5
07-12Newsfilter
Credit Acceptance Announces Extension of Revolving Secured Warehouse Facility

  • Credit Facility Extension: Credit Acceptance Corporation has extended the maturity date of its $75 million revolving secured warehouse facility from September 30, 2026, to September 30, 2028, while also reducing the interest rate and servicing fee associated with it.

  • Company Overview: Credit Acceptance provides financing solutions for vehicle ownership, enabling consumers with poor credit histories to purchase vehicles through a network of automobile dealers, thereby helping improve their credit scores.

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People Also Watch

FAQ

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

The current price of CACC is 447.51 USD — it has decreased -8.72 % in the last trading day.

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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.

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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 is 497.50 USD with a low forecast of 470.00 USD and a high forecast of 525.00 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.

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

Credit Acceptance Corp revenue for the last quarter amounts to 583.80M USD, increased 8.47 % YoY.

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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 7.42 USD, decreased -293.73 % YoY.

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What changes have occurred in the market's expectations for Credit Acceptance Corp (CACC)'s fundamentals?

The market is revising Downward the revenue expectations for Credit Acceptance Corporation (CACC) for FY2025, with the revenue forecasts being adjusted by -0.34% over the past three months. During the same period, the stock price has changed by -9.80%.
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How many employees does Credit Acceptance Corp (CACC). have?

Credit Acceptance Corp (CACC) has 2431 emplpoyees as of August 03 2025.

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What is Credit Acceptance Corp (CACC) market cap?

Today CACC has the market capitalization of 5.03B USD.

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