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CREDIT ACCEPTANCE CORP

CACCNASDAQ
🏆 #1213 by market capEarnings Oct 28 · PostUS Equity
$998.42▲ $44.63 (+4.47%)
Simulated price
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24h▲ 4.5%
7d▲ 77.2%
14d▲ 66.2%
30d▲ 67.8%
ytd▲ 125.1%
1y▲ 122.1%
🏦Market Cap
$5.75B
Small Cap
📈Revenue Growth (YoY)
+8.6%
Slowing
📊Gross Margin
89.7%
High
💵FCF Margin
52.5%
Strong
⚖️P/S Ratio
2.5x
Cheap
Otter Score
76
Good

Trading Snapshot

Day Range
$993.26 – $1,002.41
52-Week Range
$401.90 – $668.86
Volume
$2.43B
Avg Volume
$3.17B
Shares Outstanding
10.5M
Next Earnings
Dec 10, 2026

Fundamentals Snapshot

Annual Revenue
$2.32B
Last Q Revenue
$587M
P/E Ratio
11.9
P/S Ratio
2.5x
EPS (TTM)
$47.89
Dividend Yield
0.00%
Dilution (1yr)
−10.4%

Why Investors Own CACC

  • ✓High-growth profile — revenue up +51.5% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 40% gross margin and 17% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

CACC logo

CREDIT ACCEPTANCE CORP

CACC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$2.3B▲ +8.6% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
98.7%▲ +58.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$1.1B▲ +239.5% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$1.1B▼ −7.3% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
11.1M▼ −10.4% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
−$5.9B▼ −$345M YoY
StockOtter · stockotter.space

About CREDIT ACCEPTANCE CORP

Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Good
76/100

Analyst Price Target

ⓘ
Average Target
$1,067.19
▲ +6.9% Upside
High Target$1,339.72
Low Target$979.59
Based on 11 analysts

Latest News & Updates

🚀
CNBC·2h ago

CREDIT ACCEPTANCE CORP tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

🛰️
CNBC·5h ago

Analysts lift CACC price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

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Bloomberg·1d ago

CREDIT ACCEPTANCE CORP announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.