Should I Buy CACC? CACC 2026 Analysis

Should You Buy Credit Acceptance Corp (CACC) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

508.900

1 Day change

2.79%

52 Week Range

549.750

Analysis Updated At

2026/02/05

Should I buy Analysis is updated weekly. For real time "Should I Buy" analysis, please sign up to get free answers.

Not a good buy right now: price (~503 pre-market) is pressing into resistance (R1 ~504) and looks short-term extended while upside is limited.
Wall Street setup is unfavorable at this level: the only recent analyst (TD Cowen) is at Hold with a $470 PT, which is well below the current price.
Options positioning is skewed bearish/defensive (puts dominate calls), suggesting cautious sentiment after the earnings pop.
Intellectia Proprietary Trading Signals: Intellectia Proprietary Trading Signals\n- AI Stock Picker: No signal on given stock today.\n- SwingMax: No signal on given stock recently.

Technical Analysis

Trend/momentum: MACD histogram is positive and expanding (bullish momentum), but the stock is now pushing into a key resistance zone.
RSI (6): 70.67, indicating short-term overbought/extended conditions (risk of pullback or churn).
Moving averages: converging MAs suggest momentum may be transitioning into consolidation rather than a clean trend.
Key levels: Pivot 471.95 (important support/mean-reversion area); near-term resistance R1 504.29 (currently being tested); next resistance R2 524.27.
Pattern-based forward view (given): modest near-term upside odds but negative 1-month drift (-1.08%), aligning with “late entry” risk near resistance.

Options Data

Bearish

Open Interest Put-Call Ratio

Bearish

Option Volume Put-Call Ratio

Positioning: Put OI (1583) materially exceeds Call OI (604) → bearish/hedged tilt in outstanding positioning.
Flow: Put/Call volume ratio 1.3 (puts > calls) reinforces cautious sentiment.
Volatility: 30D IV ~42.51 vs HV ~44.39 (IV slightly below realized); IV percentile ~60.56 suggests options are not cheap, and sentiment is not aggressively bullish.
Activity: today’s options volume is low in absolute terms (23 contracts), so the skew matters more than any “big bet” signal.

Technical Summary

Sell

Buy

Positive Catalysts

- Earnings catalyst: Q4 results delivered a non-GAAP EPS beat ($11.35 vs expectations cited around $9.85), helping sentiment.
- Management/ops: CEO highlighted a data-driven approach and a new contract origination experience aimed at efficiency and customer experience.
- Revenue still grew YoY (+2.5%), and collections were strong ($1.3B in Q4 per summary).

Neutral/Negative Catalysts

- Core business headwinds: declines in loan performance and volume; used-vehicle subprime market share fell (5.4% → 4.5%) and active dealers declined (-2.8% YoY).
- Earnings quality concern: despite the EPS beat, latest quarter net income and EPS were down YoY (suggesting profitability pressure).
- Street expectations trend: over the last 3 months, EPS revisions were mixed (1 up / 2 down) and revenue revisions skewed negative (0 up / 4 down).
- Sentiment/positioning: heavy put open interest implies investors remain defensive rather than positioning for upside continuation.

Financial Performance

Latest quarter (2025/Q4): Revenue $579.9M, +2.47% YoY (modest growth).
Profitability weakened: Net income $122.0M, -19.68% YoY.
Per-share trend: EPS 10.99, -10.29% YoY.
Overall read: top-line growth is holding up, but bottom-line compression indicates the operating/credit backdrop is not improving enough to justify chasing the stock at resistance.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent analyst trend (TD Cowen): upgraded from Sell→Hold (2026-01-08) and then raised PT to $470 from $460 (2026-01-30); rating remains Hold.
Price vs PT: current price (~503) is above the latest $470 target → analysts are not signaling meaningful upside from here.
Wall Street pros: acknowledges earnings beat and model improvements (lower provision/tax rate) and higher forward EPS estimates.
Wall Street cons: still not confident enough to call it a Buy; revenue miss and operational/competitive pressure show up in negative revenue estimate revisions.
Influential/political trading check: no recent congress trading data available; hedge funds and insiders are reported Neutral with no significant recent trend.

1 Analyst Rating

Wall Street analysts forecast CACC stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for CACC is 460 USD with a low forecast of 460 USD and a high forecast of 460 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

0 Sell

Hold

Current: 495.070

Low

460

Averages

460

High

460

Current: 495.070

Low

460

Averages

460

High

460

TD Cowen

Hold

maintain

$460 -> $470

AI Analysis

2026-01-30

Reason

TD Cowen

Price Target

$460 -> $470

AI Analysis

2026-01-30

maintain

Hold

Reason

TD Cowen raised the firm's price target on Credit Acceptance to $470 from $460 and keeps a Hold rating on the shares. The firm updated its model following its Q4 earnings beat on lower provision and tax rate.

TD Cowen

Sell -> Hold

upgrade

$430 -> $460

2026-01-08

Reason

TD Cowen

Price Target

$430 -> $460

2026-01-08

upgrade

Sell -> Hold

Reason

TD Cowen upgraded Credit Acceptance to Hold from Sell with a price target of $460, up from $430. The firm raised its 2026 adjusted EPS estimate to $44 from $42 while establishing a 2027 adjusted EPS estimate of $52, the analyst noted.

Unlock Full Analyst Thesis， Get the complete breakdown of rating reason for CACC

Unlock Now

CACC Should I Buy

CACC Should I Buy

Should You Buy Credit Acceptance Corp (CACC) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

People Also Watch