(CACC) Credit Acceptance - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US2253101016
Stock: Dealer Financing, Loan Servicing, Loan Purchasing, Reinsurance
Total Rating 26
Risk 36
Buy Signal 0.32
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 37.0% |
| Relative Tail Risk | -6.12% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.05 |
| Alpha | -19.09 |
| Character TTM | |
|---|---|
| Beta | 1.125 |
| Beta Downside | 1.178 |
| Drawdowns 3y | |
|---|---|
| Max DD | 32.74% |
| CAGR/Max DD | 0.10 |
Description: CACC Credit Acceptance January 08, 2026
Credit Acceptance Corporation (NASDAQ:CACC) operates a subprime auto-finance business model in the United States, advancing funds to independent and franchised dealers in exchange for the right to service and collect on the underlying consumer loans.
Beyond loan servicing, the firm reinsures vehicle service contracts tied to the financed vehicles, creating ancillary revenue streams that are less sensitive to loan-payment cycles.
Key operational metrics as of the latest filing show a loan portfolio of roughly $4.2 billion, an average net interest margin of 7.1 %, and a delinquency rate near 5.3 %-both figures that track closely with broader subprime auto-loan trends.
Macro-driven factors influencing CACC include the used-car market’s resilience, the Federal Reserve’s interest-rate stance, and credit-quality cycles that affect subprime borrower performance.
For a deeper quantitative breakdown, you might explore ValueRay’s analyst toolkit.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income: 423.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.13 > 0.02 and ΔFCF/TA 0.92 > 1.0 |
| NWC/Revenue: 352.7% < 20% (prev 383.7%; Δ -30.94% < -1%) |
| CFO/TA 0.13 > 3% & CFO 1.09b > Net Income 423.9m |
| Net Debt (5.85b) to EBITDA (677.9m): 8.63 < 3 |
| Current Ratio: 21.22 > 1.5 & < 3 |
| Outstanding Shares: last quarter (11.1m) vs 12m ago -10.37% < -2% |
| Gross Margin: 71.17% > 18% (prev 0.62%; Δ 7055 % > 0.5%) |
| Asset Turnover: 24.97% > 50% (prev 21.91%; Δ 3.06% > 0%) |
| Interest Coverage Ratio: -2.16 > 6 (EBITDA TTM 677.9m / Interest Expense TTM -178.8m) |
Altman Z'' 7.02
| A: 0.94 (Total Current Assets 8.49b - Total Current Liabilities 400.2m) / Total Assets 8.63b |
| B: 0.13 (Retained Earnings 1.12b / Total Assets 8.63b) |
| C: 0.04 (EBIT TTM 386.6m / Avg Total Assets 9.19b) |
| D: 0.16 (Book Value of Equity 1.12b / Total Liabilities 7.11b) |
| Altman-Z'' Score: 7.02 = AAA |
Beneish M 1.00
| DSRI: 14.88 (Receivables 67.2m/4.20m, Revenue 2.29b/2.13b) |
| GMI: 0.88 (GM 71.17% / 62.41%) |
| AQI: 0.14 (AQ_t 0.01 / AQ_t-1 0.10) |
| SGI: 1.07 (Revenue 2.29b / 2.13b) |
| TATA: -0.08 (NI 423.9m - CFO 1.09b) / TA 8.63b) |
| Beneish M-Score: 7.75 (Cap -4..+1) = D |
What is the price of CACC shares?
As of February 08, 2026, the stock is trading at USD 508.90 with a total of 252,512 shares traded.
Over the past week, the price has changed by +2.14%, over one month by +9.29%, over three months by +22.20% and over the past year by -2.05%.
Over the past week, the price has changed by +2.14%, over one month by +9.29%, over three months by +22.20% and over the past year by -2.05%.
Is CACC a buy, sell or hold?
Credit Acceptance has received a consensus analysts rating of 2.50.
Therefor, it is recommend to sell CACC.
- StrongBuy: 0
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 1
What are the forecasts/targets for the CACC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 466.7 | -8.3% |
| Analysts Target Price | 466.7 | -8.3% |
| ValueRay Target Price | 506.9 | -0.4% |
CACC Fundamental Data Overview February 01, 2026
P/E Trailing = 13.6504
P/E Forward = 10.3413
P/S = 4.4581
P/B = 3.4997
P/EG = 1.154
Revenue TTM = 2.29b USD
EBIT TTM = 386.6m USD
EBITDA TTM = 677.9m USD
Long Term Debt = 6.37b USD (from longTermDebt, two quarters ago)
Short Term Debt = 103.8m USD (from shortTermDebt, two quarters ago)
Debt = 6.35b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 5.85b USD (from netDebt column, last quarter)
Enterprise Value = 11.35b USD (5.50b + Debt 6.35b - CCE 500.7m)
Interest Coverage Ratio = -2.16 (Ebit TTM 386.6m / Interest Expense TTM -178.8m)
EV/FCF = 10.42x (Enterprise Value 11.35b / FCF TTM 1.09b)
FCF Yield = 9.60% (FCF TTM 1.09b / Enterprise Value 11.35b)
FCF Margin = 47.49% (FCF TTM 1.09b / Revenue TTM 2.29b)
Net Margin = 18.48% (Net Income TTM 423.9m / Revenue TTM 2.29b)
Gross Margin = 71.17% ((Revenue TTM 2.29b - Cost of Revenue TTM 661.4m) / Revenue TTM)
Gross Margin QoQ = none% (prev 61.76%)
Tobins Q-Ratio = 1.31 (Enterprise Value 11.35b / Total Assets 8.63b)
Interest Expense / Debt = 1.24% (Interest Expense 78.8m / Debt 6.35b)
Taxrate = 22.29% (35.0m / 157.0m)
NOPAT = 300.4m (EBIT 386.6m * (1 - 22.29%))
Current Ratio = 21.22 (Total Current Assets 8.49b / Total Current Liabilities 400.2m)
Debt / Equity = 4.17 (Debt 6.35b / totalStockholderEquity, last quarter 1.52b)
Debt / EBITDA = 8.63 (Net Debt 5.85b / EBITDA 677.9m)
Debt / FCF = 5.37 (Net Debt 5.85b / FCF TTM 1.09b)
Total Stockholder Equity = 1.59b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.61% (Net Income 423.9m / Total Assets 8.63b)
RoE = 26.63% (Net Income TTM 423.9m / Total Stockholder Equity 1.59b)
RoCE = 4.86% (EBIT 386.6m / Capital Employed (Equity 1.59b + L.T.Debt 6.37b))
RoIC = 3.70% (NOPAT 300.4m / Invested Capital 8.13b)
WACC = 5.18% (E(5.50b)/V(11.85b) * Re(10.06%) + D(6.35b)/V(11.85b) * Rd(1.24%) * (1-Tc(0.22)))
Discount Rate = 10.06% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.00%
[DCF Debug] Terminal Value 86.16% ; FCFF base≈1.11b ; Y1≈1.09b ; Y5≈1.11b
Fair Price DCF = 2568 (EV 33.28b - Net Debt 5.85b = Equity 27.43b / Shares 10.7m; r=5.90% [WACC]; 5y FCF grow -2.69% → 2.90% )
EPS Correlation: 19.70 | EPS CAGR: -7.07% | SUE: 1.12 | # QB: 1
Revenue Correlation: 96.28 | Revenue CAGR: 6.66% | SUE: -0.19 | # QB: 0
EPS next Quarter (2026-03-31): EPS=10.39 | Chg30d=+0.530 | Revisions Net=+1 | Analysts=3
EPS current Year (2026-12-31): EPS=44.89 | Chg30d=+3.307 | Revisions Net=+1 | Growth EPS=+9.4% | Growth Revenue=+2.3%
EPS next Year (2027-12-31): EPS=52.06 | Chg30d=+4.688 | Revisions Net=+0 | Growth EPS=+16.0% | Growth Revenue=+5.9%
P/E Forward = 10.3413
P/S = 4.4581
P/B = 3.4997
P/EG = 1.154
Revenue TTM = 2.29b USD
EBIT TTM = 386.6m USD
EBITDA TTM = 677.9m USD
Long Term Debt = 6.37b USD (from longTermDebt, two quarters ago)
Short Term Debt = 103.8m USD (from shortTermDebt, two quarters ago)
Debt = 6.35b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 5.85b USD (from netDebt column, last quarter)
Enterprise Value = 11.35b USD (5.50b + Debt 6.35b - CCE 500.7m)
Interest Coverage Ratio = -2.16 (Ebit TTM 386.6m / Interest Expense TTM -178.8m)
EV/FCF = 10.42x (Enterprise Value 11.35b / FCF TTM 1.09b)
FCF Yield = 9.60% (FCF TTM 1.09b / Enterprise Value 11.35b)
FCF Margin = 47.49% (FCF TTM 1.09b / Revenue TTM 2.29b)
Net Margin = 18.48% (Net Income TTM 423.9m / Revenue TTM 2.29b)
Gross Margin = 71.17% ((Revenue TTM 2.29b - Cost of Revenue TTM 661.4m) / Revenue TTM)
Gross Margin QoQ = none% (prev 61.76%)
Tobins Q-Ratio = 1.31 (Enterprise Value 11.35b / Total Assets 8.63b)
Interest Expense / Debt = 1.24% (Interest Expense 78.8m / Debt 6.35b)
Taxrate = 22.29% (35.0m / 157.0m)
NOPAT = 300.4m (EBIT 386.6m * (1 - 22.29%))
Current Ratio = 21.22 (Total Current Assets 8.49b / Total Current Liabilities 400.2m)
Debt / Equity = 4.17 (Debt 6.35b / totalStockholderEquity, last quarter 1.52b)
Debt / EBITDA = 8.63 (Net Debt 5.85b / EBITDA 677.9m)
Debt / FCF = 5.37 (Net Debt 5.85b / FCF TTM 1.09b)
Total Stockholder Equity = 1.59b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.61% (Net Income 423.9m / Total Assets 8.63b)
RoE = 26.63% (Net Income TTM 423.9m / Total Stockholder Equity 1.59b)
RoCE = 4.86% (EBIT 386.6m / Capital Employed (Equity 1.59b + L.T.Debt 6.37b))
RoIC = 3.70% (NOPAT 300.4m / Invested Capital 8.13b)
WACC = 5.18% (E(5.50b)/V(11.85b) * Re(10.06%) + D(6.35b)/V(11.85b) * Rd(1.24%) * (1-Tc(0.22)))
Discount Rate = 10.06% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.00%
[DCF Debug] Terminal Value 86.16% ; FCFF base≈1.11b ; Y1≈1.09b ; Y5≈1.11b
Fair Price DCF = 2568 (EV 33.28b - Net Debt 5.85b = Equity 27.43b / Shares 10.7m; r=5.90% [WACC]; 5y FCF grow -2.69% → 2.90% )
EPS Correlation: 19.70 | EPS CAGR: -7.07% | SUE: 1.12 | # QB: 1
Revenue Correlation: 96.28 | Revenue CAGR: 6.66% | SUE: -0.19 | # QB: 0
EPS next Quarter (2026-03-31): EPS=10.39 | Chg30d=+0.530 | Revisions Net=+1 | Analysts=3
EPS current Year (2026-12-31): EPS=44.89 | Chg30d=+3.307 | Revisions Net=+1 | Growth EPS=+9.4% | Growth Revenue=+2.3%
EPS next Year (2027-12-31): EPS=52.06 | Chg30d=+4.688 | Revisions Net=+0 | Growth EPS=+16.0% | Growth Revenue=+5.9%