CACC

Credit Acceptance Corp

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Advanced Chart

463.310

-1.79(-0.385%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

470.085

Open

468.990

VWAP

466.68

Vol

114.92K

Mkt Cap

5.21B

Low

461.860

Amount

53.63M

EV/EBITDA(TTM)

11.16

Total Shares

12.11M

11.63B

EV/OCF(TTM)

10.48

P/S(TTM)

2.50

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.

Market 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 -4.41%.

Revenue Estimates for FY2025

Revise Downward

-0.34%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+1.24%

In Past 3 Month

Stock Price

Go Down

-4.41%

In Past 3 Month

2 Analyst Rating

7.38% Upside

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

7.38% Upside

Current: 463.310

Low

470.00

Averages

497.50

High

525.00

7.38% Upside

Current: 463.310

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 11.46, compared to its 5-year average forward P/E of 11.95. 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.

Fair

5Y Average PE

11.95

Current PE

11.46

Overvalued PE

13.82

Undervalued PE

10.07

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.

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.

Undervalued

5Y Average PS

3.42

Current PS

2.12

Overvalued PS

4.27

Undervalued PS

2.58