Credit Acceptance (CACC) Stock Price, News & Analysis

Company Overview

Credit Acceptance Corporation (NASDAQ:CACC) is a specialty finance company that provides automobile financing to consumers, including borrowers who may have limited or impaired credit histories. The company primarily operates through an indirect lending model, partnering with automobile dealers who offer financing to their customers at the point of sale.

Credit Acceptance purchases or services retail installment contracts originated by participating dealers and provides dealers with financing programs, underwriting support, loan servicing, and related tools. Its business is focused on helping dealers sell vehicles while expanding access to credit for consumers who may not qualify for traditional auto loans.

Founded in 1972 and headquartered in Southfield, Michigan, Credit Acceptance serves consumers and automobile dealers across the United States. The company works with a nationwide dealer network and manages the servicing of automobile loan contracts generated through its programs.

Key Stats

• Today's Range: $520.00 to $537.07
• 50-Day Range: $511.95 to $607.77
• 52-Week Range: $401.90 to $668.86
• Volume: 51,206 shs
• Average Volume: 168,607 shs
• Market Capitalization: $5.54 billion
• P/E Ratio: 11.64
• Dividend Yield: N/A
• Price Target: $570.00
• Consensus Rating: Hold

Credit Acceptance Stock Analysis - MarketRank™

Credit Acceptance scored higher than 39% of companies evaluated by MarketBeat, and ranked 650th out of 854 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: 2.2 / 5
• Analyst Rating: Hold

Consensus Rating

Credit Acceptance has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on no strong buy ratings, 1 buy rating, 3 hold ratings, and no sell ratings.

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 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 14.02%

Earnings Growth

Earnings for Credit Acceptance are expected to grow by 14.02% in the coming year, from $47.80 to $54.50 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Credit Acceptance is 11.61, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.92.

Price to Earnings Ratio vs. Sector

The P/E ratio of Credit Acceptance is 11.61, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.51.

Price to Book Value per Share Ratio

Credit Acceptance has a P/B Ratio of 3.82. 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

10.01% 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 10.92, which indicates bearish sentiment.

Change versus previous month

Short interest in Credit Acceptance has recently decreased by 1.22%, indicating that investor sentiment is improving.

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: 1.6 / 5
• News Sentiment: 0.63

News Sentiment

Credit Acceptance has a news sentiment score of 0.63. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

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

Search Interest

Only 3 people have searched for CACC on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 1.6 / 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 $7,185,640.00 in 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: 8/04/2026
• Today: 10/02/2026
• Next Earnings (Estimated): 10/29/2026
• 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: $570.00
• High Price Target: $600.00
• Low Price Target: $540.00
• Potential Upside/Downside: +8.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.25
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $45.48
• Trailing P/E Ratio: 11.61
• Forward P/E Ratio: 11.04
• P/E Growth: N/A
• Net Income: $423.90 million
• Net Margins: 21.54%
• Pretax Margin: 27.88%
• Return on Equity: 31.67%
• Return on Assets: 5.68%

Debt

• Debt-to-Equity Ratio: 3.84
• Current Ratio: 14.89
• Quick Ratio: 14.89

Sales & Book Value

• Annual Sales: $2.32 billion
• Price / Sales: 2.38
• Cash Flow: $43.78 per share
• Price / Cash Flow: 12.05
• Book Value: $138.11 per share
• Price / Book: 3.82

Miscellaneous

• Outstanding Shares: 10,460,000
• Free Float: 9,822,000
• Market Cap: $5.52 billion
• Optionable: Optionable
• Beta: 1.40