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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

Loading chart...

High
526.840
Open
508.010
VWAP
520.17
Vol
205.27K
Mkt Cap
5.28B
Low
508.010
Amount
106.78M
EV/EBITDA(TTM)
10.28
Total Shares
10.42M
EV
11.62B
EV/OCF(TTM)
11.01
P/S(TTM)
2.55
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)
2026-05-05
16:30:00
Credit Acceptance Reports Q1 Revenue of $580M
select
2026-04-27 (ET)
2026-04-27
16:20:00
Credit Acceptance Appoints Robert Bourrier as Chief Sales Officer
select
2026-03-19 (ET)
2026-03-19
16:10:00
Credit Acceptance Appoints Steffen Schumann as Chief Business Officer
select
2026-01-29 (ET)
2026-01-29
16:10:00
Credit Acceptance Reports Q4 Revenue of $579.9M
select

News

seekingalpha
9.5
08:11 AMseekingalpha
Credit Acceptance Corporation Q1 2026 Earnings Call Insights
  • Financial Performance: In Q1 2026, Credit Acceptance Corporation reported a GAAP net income of $135.8 million, translating to $12.40 per diluted share, demonstrating stable profitability despite market pressures.
  • Cash Flow Changes: The forecasted net cash flows from the loan portfolio declined modestly by $9.1 million or 0.1%, marking the smallest quarterly change in three years, reflecting the company's cautious management of resource allocation.
  • Personnel Changes: Following a review of resource allocation, the company made the difficult decision to part ways with approximately 6% of its workforce while appointing Steffen Schumann as Chief Business Officer and Robert Bourrier as Chief Sales Officer to enhance executive execution.
  • Market Share Pressure: Despite enrolling over 1,500 new dealers and achieving a record 10,977 active dealers, the market share decreased from 5.2% to 4.5%, indicating that the company has not pursued aggressive market strategies in a competitive environment.
seekingalpha
9.5
05-05seekingalpha
Credit Acceptance Q1 Earnings Beat Expectations
  • Earnings Beat: Credit Acceptance reported a Q1 non-GAAP EPS of $10.71, exceeding expectations by $0.20, indicating strong profitability that may boost investor confidence.
  • Revenue Growth: The GAAP total revenue reached $580 million, reflecting a 1.6% year-over-year increase, although it fell short of analyst expectations, suggesting a slow revenue growth trend that could impact future market performance.
  • Market Reaction Analysis: Despite missing revenue targets, the earnings beat may positively influence the stock price in the short term, reflecting effective strategies in cost control and profitability enhancement.
  • Historical Performance Comparison: Compared to historical data, Credit Acceptance shows continuous improvement in profitability; while revenue growth is sluggish, the increase in EPS may lay a foundation for the company's future financial health.
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.
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
Stephens
Equal Weight
maintain
$450 -> $540
AI Analysis
2026-04-17
Reason
Stephens
Price Target
$450 -> $540
AI Analysis
2026-04-17
maintain
Equal Weight
Reason
Stephens raised the firm's price target on Credit Acceptance to $540 from $450 and keeps an Equal Weight rating on the shares. Ahead of the Q1 print, the firm fine tuned estimates based on conversations with investors, industry participants and recent macro data, the analyst tells investors in a preview.
TD Cowen
Moshe Orenbuch
Hold
to
Hold
downgrade
$470 -> $450
2026-03-31
Reason
TD Cowen
Moshe Orenbuch
Price Target
$470 -> $450
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).
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 12.14. 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
12.14
Current PE
10.75
Overvalued PE
13.51
Undervalued PE
10.77

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
2.89
Current EV/EBITDA
9.27
Overvalued EV/EBITDA
8.47
Undervalued EV/EBITDA
-2.69

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
3.21
Current PS
2.09
Overvalued PS
4.14
Undervalued PS
2.28

Financials

AI Analysis
Annual
Quarterly

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CACC
Credit Acceptance Corp
4.87B

Whales Holding CACC

C
Cerity Partners LLC
Holding
CACC
+4.76%
3M Return
S
Smead Capital Management, Inc.
Holding
CACC
+4.06%
3M Return
R
Ruane, Cunniff & Goldfarb L.P.
Holding
CACC
+1.17%
3M Return
G
Gobi Capital LLC
Holding
CACC
-0.28%
3M Return
B
Beck, Mack & Oliver LLC
Holding
CACC
-2.87%
3M Return

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Frequently Asked Questions

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

The current price of CACC is 525.67 USD — it has increased 3.68

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 May 06 2026.

What is Credit Acceptance Corp (CACC) market cap?

Today CACC has the market capitalization of 5.28B USD.