Credit Acceptance (CACC) Stock Price, News & Analysis

Company Overview

Credit Acceptance Corporation (NASDAQ:CACC) is a specialized automobile finance company that provides financing programs for consumers who may have difficulty obtaining credit through traditional lenders. The company primarily operates through an indirect lending model, working with automobile dealers who offer financing to customers purchasing new or used vehicles.

Credit Acceptance purchases or services automotive loans originated through its dealer-partner network. Its programs are designed to help dealers sell vehicles to a broader range of consumers, while the company manages loan underwriting, servicing, collections, and related risk-management activities. Credit Acceptance also provides dealers with technology, training, and other support intended to facilitate vehicle financing and loan administration.

Founded in 1972 and headquartered in Southfield, Michigan, Credit Acceptance serves consumers and automobile dealers across the United States. The company has historically focused on the non-prime segment of the automotive finance market. Brett A. Roberts has served as the company's chief executive officer and chairman, leading its operations and strategic development.

Key Stats

• Today's Range: $508.37 to $533.44
• 50-Day Range: $464.89 to $607.77
• 52-Week Range: $405.00 to $668.86
• Volume: 149,826 shs
• Average Volume: 97,785 shs
• Market Capitalization: $5.37 billion
• P/E Ratio: 17.29
• Dividend Yield: N/A
• Price Target: $505.00
• Consensus Rating: Reduce

Credit Acceptance Stock Analysis - MarketRank™

Credit Acceptance scored higher than 24% of companies evaluated by MarketBeat, and ranked 737th out of 842 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.5 / 5
• Analyst Rating: Reduce

Consensus Rating

Credit Acceptance has received a consensus rating of Reduce. The company's average rating score is 1.75, and is based on no strong buy ratings, no buy ratings, 3 hold ratings, and 1 sell rating.

Upside/Downside

The consensus price target for Credit Acceptance is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Credit Acceptance has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 3.23%

Earnings Growth

Earnings for Credit Acceptance are expected to grow by 3.23% in the coming year, from $47.61 to $49.15 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Credit Acceptance is 17.29, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.48.

Price to Earnings Ratio vs. Sector

The P/E ratio of Credit Acceptance is 17.29, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.22.

Price to Book Value per Share Ratio

Credit Acceptance has a P/B Ratio of 3.86. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 0.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

10.29% of the float of Credit Acceptance has been sold short.

Short Interest Ratio / Days to Cover

Credit Acceptance has a short interest ratio ("days to cover") of 10.74, which indicates bearish sentiment.

Change versus previous month

Short interest in Credit Acceptance has recently increased by 5.05%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Credit Acceptance does not currently pay a dividend.

Dividend Growth

Credit Acceptance does not have a long track record of dividend growth.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 0.71

News Sentiment

Credit Acceptance has a news sentiment score of 0.71. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.59 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 10 news articles for Credit Acceptance this week, compared to 4 articles on an average week.

Search Interest

Only 1 people have searched for CACC on MarketBeat in the last 30 days. This is a decrease of -67% compared to the previous 30 days.

Company Ownership

• Score: 0.9 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Credit Acceptance insiders have not sold or bought any company stock.

Percentage Held by Insiders

6.10% of the stock of Credit Acceptance is held by insiders.

Percentage Held by Institutions

81.71% of the stock of Credit Acceptance is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 10/29/2026
• Today: 11/07/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NASDAQ:CACC
• CIK: 885550
• Web: www.creditacceptance.com
• Phone: (248) 353-2700
• Fax: 248-353-9776
• Employees: 2,499
• Year Founded: 1972

Price Target and Rating

• Average Price Target for Credit Acceptance: $505.00
• High Price Target: $540.00
• Low Price Target: $470.00
• Potential Upside/Downside: -4.6%
• Consensus Rating: Reduce
• Rating Score (0-4): 1.75
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $30.62
• Trailing P/E Ratio: 17.29
• Forward P/E Ratio: 10.77
• P/E Growth: N/A
• Net Income: $423.90 million
• Net Margins: 14.39%
• Pretax Margin: 18.24%
• Return on Equity: 33.84%
• Return on Assets: 5.84%

Debt

• Debt-to-Equity Ratio: 4.68
• Current Ratio: 13.49
• Quick Ratio: 13.49

Sales & Book Value

• Annual Sales: $2.32 billion
• Price / Sales: 2.32
• Cash Flow: $48.14 per share
• Price / Cash Flow: 11.00
• Book Value: $137.05 per share
• Price / Book: 3.86

Miscellaneous

• Outstanding Shares: 10,140,000
• Free Float: 9,519,000
• Market Cap: $5.37 billion
• Optionable: Optionable
• Beta: 1.45