CACC PE Ratio & Valuation,Is CACC Overvalued

CACC Relative Valuation

CACC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, CACC is overvalued; if below, it's undervalued.

Historical Valuation

Credit Acceptance Corp (CACC) is now in the Undervalued zone, suggesting that its current forward PE ratio of 11.72 is considered Undervalued compared with the five-year average of 11.90. The fair price of Credit Acceptance Corp (CACC) is between 476.13 to 589.11 according to relative valuation methord. Compared to the current price of 472.21 USD , Credit Acceptance Corp is Undervalued By 0.82%.

Relative Value

Fair Zone

476.13-589.11

Current Price：472.21

0.82%

Undervalued

11.72

0.00

EV/EBITDA

Credit Acceptance Corp. (CACC) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Credit Acceptance Corp. (CACC) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.22

Credit Acceptance Corp. (CACC) has a current PS of 2.22. The 5-year average PS is 3.31. The thresholds are as follows: Strongly Undervalued below 1.57, Undervalued between 1.57 and 2.44, Fairly Valued between 4.18 and 2.44, Overvalued between 4.18 and 5.05, and Strongly Overvalued above 5.05. The current Forward PS of 2.22 falls within the Undervalued range.

0.00

P/OCF

Credit Acceptance Corp. (CACC) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Credit Acceptance Corp. (CACC) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Credit Acceptance Corp (CACC) has a current Price-to-Book (P/B) ratio of 3.30. Compared to its 3-year average P/B ratio of 3.56 , the current P/B ratio is approximately -7.19% higher. Relative to its 5-year average P/B ratio of 3.71, the current P/B ratio is about -11.02% higher. Credit Acceptance Corp (CACC) has a Forward Free Cash Flow (FCF) yield of approximately 20.92%. Compared to its 3-year average FCF yield of 19.49%, the current FCF yield is approximately 7.31% lower. Relative to its 5-year average FCF yield of 17.52% , the current FCF yield is about 19.37% lower.

3.30

P/B

Median3y

3.56

Median5y

3.71

20.92

FCF Yield

Median3y

19.49

Median5y

17.52

Competitors Valuation Multiple

The average P/S ratio for CACC's competitors is 2.38, providing a benchmark for relative valuation. Credit Acceptance Corp Corp (CACC) exhibits a P/S ratio of 2.22, which is -6.6% above the industry average. Given its robust revenue growth of 5.83%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of CACC increased by 0.59% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 14.32 to 18.58.

The secondary factor is the Revenue Growth, contributed 5.83%to the performance.

Overall, the performance of CACC in the past 1 year is driven by Margin Expansion. Which is more sustainable.

5.83%

550.30M → 582.40M

Revenue Growth

29.75%

14.32 → 18.58

Margin Expansion

-34.99%

19.17 → 12.46

P/E Change

0.59%

469.46 → 472.21

Mkt Cap Growth

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Frequently Asked Questions

Is Credit Acceptance Corp (CACC) currently overvalued or undervalued?

What is Credit Acceptance Corp (CACC) fair value?

CACC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Credit Acceptance Corp (CACC) is between 476.13 to 589.11 according to relative valuation methord.

How does CACC's valuation metrics compare to the industry average?

The average P/S ratio for CACC's competitors is 2.38, providing a benchmark for relative valuation. Credit Acceptance Corp Corp (CACC) exhibits a P/S ratio of 2.22, which is -6.60% above the industry average. Given its robust revenue growth of 5.83%, this premium appears unsustainable.

What is the current P/B ratio for Credit Acceptance Corp (CACC) as of Dec 15 2025?

As of Dec 15 2025, Credit Acceptance Corp (CACC) has a P/B ratio of 3.30. This indicates that the market values CACC at 3.30 times its book value.

What is the current FCF Yield for Credit Acceptance Corp (CACC) as of Dec 15 2025?

As of Dec 15 2025, Credit Acceptance Corp (CACC) has a FCF Yield of 20.92%. This means that for every dollar of Credit Acceptance Corp’s market capitalization, the company generates 20.92 cents in free cash flow.

What is the current Forward P/E ratio for Credit Acceptance Corp (CACC) as of Dec 15 2025?

As of Dec 15 2025, Credit Acceptance Corp (CACC) has a Forward P/E ratio of 11.72. This means the market is willing to pay $11.72 for every dollar of Credit Acceptance Corp’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Credit Acceptance Corp (CACC) as of Dec 15 2025?

As of Dec 15 2025, Credit Acceptance Corp (CACC) has a Forward P/S ratio of 2.22. This means the market is valuing CACC at $2.22 for every dollar of expected revenue over the next 12 months.

CACC Valuation

CACC Valuation

CACC Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

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Frequently Asked Questions

Is Credit Acceptance Corp (CACC) currently overvalued or undervalued?

What is Credit Acceptance Corp (CACC) fair value?

How does CACC's valuation metrics compare to the industry average?

What is the current P/B ratio for Credit Acceptance Corp (CACC) as of Dec 15 2025?

What is the current FCF Yield for Credit Acceptance Corp (CACC) as of Dec 15 2025?

What is the current Forward P/E ratio for Credit Acceptance Corp (CACC) as of Dec 15 2025?

What is the current Forward P/S ratio for Credit Acceptance Corp (CACC) as of Dec 15 2025?