Credit Acceptance (CACC) Stock Price, News & Analysis

Company Overview

Credit Acceptance Corporation (NASDAQ:CACC) is a specialty finance company focused on providing auto loans to consumers with limited credit histories or past credit challenges. Through a nationwide network of independent franchised and non-franchised automotive dealers, the company offers a proprietary credit program that enables dealers to sell vehicles to subprime borrowers. Credit Acceptance purchases retail installment sale contracts from dealers and assumes the credit risk, while providing a predictable stream of principal and interest payments.

Founded in 1972 by Donald T. Foss and headquartered in Southfield, Michigan, Credit Acceptance has grown into one of the largest subprime auto finance companies in the United States. The firm’s loan origination, underwriting and servicing operations are supported by a centralized technology platform, which collects borrower data, manages risk-based pricing and automates contract funding. Over its history, Credit Acceptance has refined its credit scoring model to improve predictive accuracy and portfolio performance.

Credit Acceptance serves customers in all 50 states through more than 3,000 participating auto dealers. In addition to contract purchase, the company offers dealer support services such as marketing assistance, compliance training and customer service tools. By aligning dealer incentives with consumer repayment performance, Credit Acceptance aims to foster long-term partnerships with dealers and borrowers alike. The company’s management team brings extensive expertise in consumer finance, risk management and automotive retail operations.

Key Stats

• Today's Range: $498.75 to $506.80
• 50-Day Range: $473.39 to $543.74
• 52-Week Range: $409.22 to $614.96
• Volume: 3,054 shs
• Average Volume: 90,067 shs
• Market Capitalization: $5.83 billion
• P/E Ratio: 21.38
• Dividend Yield: N/A
• Price Target: $440.00
• Consensus Rating: Reduce

Credit Acceptance Stock Analysis - MarketRank™

Credit Acceptance scored higher than 46% of companies evaluated by MarketBeat, and ranked 664th out of 933 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: 0.8 / 5
• Analyst Rating: Reduce

Consensus Rating

Credit Acceptance has received a consensus rating of Reduce. The company's average rating score is 1.50, and is based on no buy ratings, 1 hold rating, and 1 sell rating.

Amount of Analyst Coverage

Credit Acceptance has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 13.07%

Earnings Growth

Earnings for Credit Acceptance are expected to grow by 13.07% in the coming year, from $53.24 to $60.20 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Credit Acceptance is 21.38, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.74.

Price to Earnings Ratio vs. Sector

The P/E ratio of Credit Acceptance is 21.38, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 18.99.

Price to Book Value per Share Ratio

Credit Acceptance has a P/B Ratio of 3.47. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

10.45% 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 4.3.

Change versus previous month

Short interest in Credit Acceptance has recently increased by 4.72%, indicating that investor sentiment is decreasing.

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.

Sustainability and ESG

• Score: 1.8 / 5
• Environmental Score: -0.24

Percentage of Shares Shorted

10.45% 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 4.3.

Change versus previous month

Short interest in Credit Acceptance has recently increased by 4.72%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: 1.65

News Sentiment

Credit Acceptance has a news sentiment score of 1.65. 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 0.93 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for Credit Acceptance this week, compared to 5 articles on an average week.

Search Interest

1 people have searched for CACC on MarketBeat in the last 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Credit Acceptance insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $14,307,733.00 in company stock.

Percentage Held by Insiders

Only 5.30% 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.

CACC Stock Analysis - Frequently Asked Questions

How have CACC shares performed this year?

Credit Acceptance's stock was trading at $469.46 at the beginning of 2025. Since then, CACC stock has increased by 6.7% and is now trading at $501.11.

How were Credit Acceptance's earnings last quarter?

Credit Acceptance Corporation (NASDAQ:CACC) announced its quarterly earnings results on Wednesday, April, 30th. The credit services provider reported $9.35 earnings per share for the quarter, missing analysts' consensus estimates of $10.31 by $0.96. The business's revenue was up 12.4% compared to the same quarter last year.
Read the conference call transcript.

Who are Credit Acceptance's major shareholders?

Top institutional shareholders of Credit Acceptance include Wedge Capital Management L L P NC (0.03%), Public Employees Retirement System of Ohio (0.02%), Diversified Trust Co (0.01%) and Chemistry Wealth Management LLC. Insiders that own company stock include A Foss Irrevocable Tru Donald, Jill Foss Watson, Jonathan Lum, Daniel A Ulatowski, Andrew K Rostami, Wendy A Rummler, Nicholas J Elliott and Douglas W Busk.
View institutional ownership trends.

How do I buy shares of Credit Acceptance?

Shares of CACC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Credit Acceptance own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Credit Acceptance investors own include NVIDIA (NVDA), Meta Platforms (META), Broadcom (AVGO), Adobe (ADBE), Advanced Micro Devices (AMD), Intuit (INTU) and Arista Networks (ANET).

Company Calendar

• Last Earnings: 4/30/2025
• Today: 7/16/2025
• Next Earnings (Estimated): 7/30/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - CONS LOANS
• Sub-Industry: Consumer Finance
• Current Symbol: NASDAQ:CACC
• CIK: 885550
• Web: www.creditacceptance.com
• Phone: (248) 353-2700
• Fax: 248-353-9776
• Employees: 2,431
• Year Founded: 1972

Price Target and Rating

• Average Price Target for Credit Acceptance: $440.00
• High Price Target: $500.00
• Low Price Target: $380.00
• Potential Upside/Downside: -12.2%
• Consensus Rating: Reduce
• Rating Score (0-4): 1.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $23.44
• Trailing P/E Ratio: 21.38
• Forward P/E Ratio: 9.41
• P/E Growth: N/A
• Net Income: $247.90 million
• Net Margins: 13.03%
• Pretax Margin: 17.29%
• Return on Equity: 28.60%
• Return on Assets: 5.44%

Debt

• Debt-to-Equity Ratio: 3.92
• Current Ratio: 17.64
• Quick Ratio: 17.64

Sales & Book Value

• Annual Sales: $2.16 billion
• Price / Sales: 2.69
• Cash Flow: $40.77 per share
• Price / Cash Flow: 12.29
• Book Value: $144.45 per share
• Price / Book: 3.47

Miscellaneous

• Outstanding Shares: 11,600,000
• Free Float: 10,988,000
• Market Cap: $5.81 billion
• Optionable: Optionable
• Beta: 1.15