Symbols / CACC Stock $561.20 -1.43% Credit Acceptance Corporation

Financial Services • Credit Services • United States • NMS
CACC (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Mr. Vinayak R. Hegde
Exch · Country NMS · United States
Market Cap 5.87B
Enterprise Value 12.34B
Income 453.40M
Sales 1.28B
FCF (ttm) —
Book/sh 145.26
Cash/sh 2.46
Employees 2,314
Insider 10d —
IPO Jun 05, 1992
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 13.99
Forward P/E 10.25
PEG 1.77
P/S 4.60
P/B 3.86
P/C —
EV/EBITDA —
EV/Sales 9.67
Quick Ratio 3.63
Current Ratio 3.87
Debt/Eq 423.26
LT Debt/Eq —
EPS (ttm) 40.12
EPS next Y 54.73
EPS Growth 43.20%
Revenue Growth 12.70%
EPS Gr Q/Q 27.80%
Rev Gr Q/Q —
Earnings (next) 2026-07-30
Earnings (prior) 2026-05-05
ROA 5.05%
ROE 28.12%
ROIC —
Gross Margin 94.40%
Oper. Margin 52.71%
Profit Margin 35.54%
Shs Outstand 10.46M
Shs Float 3.78M
Insider Own 53.05%
Instit Own 69.36%
Short Float 25.21%
Short Ratio 5.78
Short Interest 883.97K
52W High 579.80
vs 52W High -3.21%
52W Low 401.90
vs 52W Low 39.64%
Beta 1.39
Impl. Vol. 3.13%
Rel Volume 0.36
Avg Volume 156.06K
Volume 56.68K
Target (mean) $536.67
Tgt Median $550.00
Tgt Low $500.00
Tgt High $560.00
# Analysts 3
Recom None
Prev Close $569.32
Price $561.20
Change -1.43%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$536.67
Mean price target
2. Current target
$561.20
Latest analyst target
3. DCF / Fair value
$601.80
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$561.20
Low
$500.00
High
$560.00
Mean
$536.67

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-05-06 main TD Cowen Hold → Hold $500
2026-04-17 main Stephens & Co. Equal-Weight → Equal-Weight $540
2026-01-30 main TD Cowen Hold → Hold $470
2025-10-31 main TD Cowen Sell → Sell $430
2025-01-31 main TD Cowen Sell → Sell $450
2025-01-31 main Stephens & Co. Equal-Weight → Equal-Weight $500
2025-01-08 main TD Cowen Sell → Sell $420
2024-11-13 init Stephens & Co. — → Equal-Weight $452
2024-11-01 main TD Cowen Sell → Sell $380
2024-08-01 main TD Cowen Sell → Sell $400
2024-05-02 main TD Cowen Sell → Sell $420
2023-11-01 init TD Cowen — → Underperform —
2023-10-31 main BMO Capital Market Perform → Market Perform $347
2023-10-31 reit Stephens & Co. Equal-Weight → Equal-Weight $440
2023-05-02 main Credit Suisse — → Underperform $380
2023-05-02 main Stephens & Co. — → Equal-Weight $440
2023-03-09 reit Stephens & Co. — → Equal-Weight $442
2023-02-01 main BMO Capital — → Market Perform $380
2022-11-03 main BMO Capital — → Market Perform $364
2022-11-02 main Stephens & Co. — → Equal-Weight $442
News
RSS: Latest CACC news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-06-01 MARTIN JAY D. Chief Financial Officer — 2,907 $575.25 $1,675,251
2026-06-01 KERBER ERIN J. Officer — 3,546 $575.25 $2,044,140
2026-06-01 ELLIOTT NICHOLAS J Officer — 3,379 $575.25 $1,947,892
2026-06-01 MARTIN JAY D. Chief Financial Officer — 2,907 $333.94 $970,764
2026-06-01 KERBER ERIN J. Officer — 3,546 $333.94 $1,184,151
2026-06-01 ELLIOTT NICHOLAS J Officer — 3,379 $333.94 $1,128,383
2026-05-29 LUM JONATHAN Chief Operating Officer — 5,000 $575.00 $2,875,000
2026-05-29 BOOTH KENNETH S Director — 4,000 $574.00 $2,296,000
2026-05-29 LUM JONATHAN Chief Operating Officer — 5,000 $333.94 $1,669,700
2026-05-29 BOOTH KENNETH S Director — 4,000 $333.94 $1,335,760
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
2,287.90
+7.20%
2,134.30
+13.54%
1,879.80
+3.12%
1,823.00
Operating Revenue
2,287.90
+7.20%
2,134.30
+13.54%
1,879.80
+3.12%
1,823.00
Cost Of Revenue
871.70
+8.66%
802.20
+29.93%
617.40
+29.98%
475.00
Reconciled Cost Of Revenue
871.70
+8.66%
802.20
+29.93%
617.40
+29.98%
475.00
Gross Profit
1,416.20
+6.31%
1,332.10
+5.52%
1,262.40
-6.35%
1,348.00
Operating Expense
796.30
-20.92%
1,007.00
+10.04%
915.10
+41.72%
645.70
Selling General And Administration
180.20
-6.29%
192.30
+7.49%
178.90
+8.89%
164.30
Selling And Marketing Expense
101.40
+7.42%
94.40
+2.94%
91.70
+21.30%
75.60
General And Administrative Expense
78.80
-19.51%
97.90
+12.27%
87.20
-1.69%
88.70
Other Gand A
78.80
-19.51%
97.90
+12.27%
87.20
-1.69%
88.70
Other Operating Expenses
—
—
—
0.10
Total Expenses
1,668.00
-7.80%
1,809.20
+18.06%
1,532.50
+36.74%
1,120.70
Operating Income
619.90
+90.68%
325.10
-6.39%
347.30
-50.55%
702.30
EBITDA
646.50
+83.20%
352.90
-5.62%
373.90
-48.63%
727.90
Normalized EBITDA
730.30
+93.92%
376.60
+0.24%
375.70
-48.39%
727.90
Reconciled Depreciation
26.60
-4.32%
27.80
+4.51%
26.60
+3.91%
25.60
EBIT
619.90
+90.68%
325.10
-6.39%
347.30
-50.55%
702.30
Total Unusual Items
-83.80
-253.59%
-23.70
-1216.67%
-1.80
0.00
Total Unusual Items Excluding Goodwill
-83.80
-253.59%
-23.70
-1216.67%
-1.80
0.00
Special Income Charges
-83.80
-253.59%
-23.70
-1216.67%
-1.80
0.00
Other Special Charges
83.80
—
1.80
-85.00%
12.00
Net Income
423.90
+71.00%
247.90
-13.35%
286.10
-46.60%
535.80
Pretax Income
565.40
+71.59%
329.50
-10.36%
367.60
-48.35%
711.70
Net Non Operating Interest Income Expense
27.50
+4.96%
26.20
+32.99%
19.70
+198.48%
6.60
Net Interest Income
27.50
+4.96%
26.20
+32.99%
19.70
+198.48%
6.60
Interest Income Non Operating
27.50
+4.96%
26.20
+32.99%
19.70
+198.48%
6.60
Interest Income
27.50
+4.96%
26.20
+32.99%
19.70
+198.48%
6.60
Other Income Expense
-82.00
-276.15%
-21.80
-3733.33%
0.60
-78.57%
2.80
Other Non Operating Income Expenses
1.80
-5.26%
1.90
-20.83%
2.40
-14.29%
2.80
Tax Provision
141.50
+73.41%
81.60
+0.12%
81.50
-53.67%
175.90
Tax Rate For Calcs
0.00
+0.81%
0.00
+11.71%
0.00
-10.12%
0.00
Tax Effect Of Unusual Items
-20.95
-256.44%
-5.88
-1370.87%
-0.40
0.00
Net Income Including Noncontrolling Interests
423.90
+71.00%
247.90
-13.35%
286.10
-46.60%
535.80
Net Income From Continuing Operation Net Minority Interest
423.90
+71.00%
247.90
-13.35%
286.10
-46.60%
535.80
Net Income From Continuing And Discontinued Operation
423.90
+71.00%
247.90
-13.35%
286.10
-46.60%
535.80
Net Income Continuous Operations
423.90
+71.00%
247.90
-13.35%
286.10
-46.60%
535.80
Normalized Income
486.75
+83.18%
265.72
-7.57%
287.50
-46.34%
535.80
Net Income Common Stockholders
423.90
+71.00%
247.90
-13.35%
286.10
-46.60%
535.80
Diluted EPS
36.38
+83.00%
19.88
-9.60%
21.99
-44.07%
39.32
Basic EPS
37.02
+84.00%
20.12
-8.92%
22.09
-44.08%
39.50
Basic Average Shares
11.45
-7.07%
12.32
-4.86%
12.95
-4.50%
13.56
Diluted Average Shares
11.65
-6.56%
12.47
-4.16%
13.01
-4.51%
13.63
Diluted NI Availto Com Stockholders
423.90
+71.00%
247.90
-13.35%
286.10
-46.60%
535.80
Gain On Sale Of PPE
0.00
+100.00%
-23.70
0.00
0.00
Provision For Doubtful Accounts
616.10
-24.38%
814.70
+10.66%
736.20
+52.93%
481.40
Line Item Trend 2023-12-31
Total Assets
7,610.20
Current Assets
7,437.30
Cash Cash Equivalents And Short Term Investments
13.20
Cash And Cash Equivalents
13.20
Cash Equivalents
12.80
Cash Financial
0.40
Receivables
6,959.60
Taxes Receivable
4.30
Loans Receivable
6,955.30
Restricted Cash
464.50
Total Non Current Assets
172.90
Net PPE
46.50
Gross PPE
114.30
Accumulated Depreciation
-67.80
Properties
0.00
Land And Improvements
2.90
Buildings And Improvements
58.80
Machinery Furniture Equipment
52.60
Leases
—
Non Current Deferred Assets
4.20
Other Non Current Assets
122.20
Total Liabilities Net Minority Interest
5,856.50
Current Liabilities
399.80
Payables And Accrued Expenses
399.80
Payables
399.80
Accounts Payable
318.80
Total Tax Payable
81.00
Income Tax Payable
81.00
Current Debt And Capital Lease Obligation
—
Current Debt
—
Total Non Current Liabilities Net Minority Interest
5,456.70
Long Term Debt And Capital Lease Obligation
5,067.50
Long Term Debt
5,067.50
Non Current Deferred Liabilities
389.20
Non Current Deferred Taxes Liabilities
389.20
Stockholders Equity
1,753.70
Common Stock Equity
1,753.70
Capital Stock
0.10
Common Stock
0.10
Preferred Stock
0.00
Share Issued
12.52
Ordinary Shares Number
12.52
Treasury Shares Number
0.00
Additional Paid In Capital
279.00
Retained Earnings
1,475.60
Gains Losses Not Affecting Retained Earnings
-1.00
Total Equity Gross Minority Interest
1,753.70
Total Capitalization
6,821.20
Working Capital
7,037.50
Invested Capital
6,821.20
Total Debt
5,067.50
Net Debt
5,054.30
Net Tangible Assets
1,753.70
Tangible Book Value
1,753.70
Line Of Credit
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
1,054.60
-7.32%
1,137.90
-5.47%
1,203.80
-2.82%
1,238.70
Cash Flow From Continuing Operating Activities
1,054.60
-7.32%
1,137.90
-5.47%
1,203.80
-2.82%
1,238.70
Net Income From Continuing Operations
423.90
+71.00%
247.90
-13.35%
286.10
-46.60%
535.80
Depreciation Amortization Depletion
26.60
-4.32%
27.80
+4.51%
26.60
+3.91%
25.60
Depreciation
3.60
-46.27%
6.70
-24.72%
8.90
-1.11%
9.00
Amortization Cash Flow
23.00
+9.00%
21.10
+19.21%
17.70
+6.63%
16.60
Depreciation And Amortization
26.60
-4.32%
27.80
+4.51%
26.60
+3.91%
25.60
Amortization Of Intangibles
23.00
+9.00%
21.10
+19.21%
17.70
+6.63%
16.60
Other Non Cash Items
-0.20
-125.00%
0.80
+33.33%
0.60
+100.00%
0.30
Stock Based Compensation
50.70
+12.67%
45.00
+15.09%
39.10
+7.12%
36.50
Provisionand Write Offof Assets
616.10
-24.38%
814.70
+10.66%
736.20
+52.93%
481.40
Deferred Tax
34.60
+149.15%
-70.40
-85.26%
-38.00
-393.51%
-7.70
Deferred Income Tax
34.60
+149.15%
-70.40
-85.26%
-38.00
-393.51%
-7.70
Operating Gains Losses
1.20
-94.94%
23.70
+1216.67%
1.80
—
Gain Loss On Sale Of PPE
0.00
-100.00%
23.70
0.00
0.00
Change In Working Capital
-98.30
-303.10%
48.40
-68.03%
151.40
-9.23%
166.80
Change In Receivables
-63.00
-63100.00%
0.10
-97.73%
4.40
-95.62%
100.50
Change In Payables And Accrued Expense
-34.30
-179.77%
43.00
-66.46%
128.20
+82.62%
70.20
Change In Payable
-34.30
-179.77%
43.00
-66.46%
128.20
+82.62%
70.20
Change In Account Payable
82.90
+1119.12%
6.80
-86.32%
49.70
-26.80%
67.90
Change In Other Current Assets
-1.00
-118.87%
5.30
-71.81%
18.80
+582.05%
-3.90
Investing Cash Flow
-674.30
+60.82%
-1,721.10
-21.48%
-1,416.80
-207.60%
-460.60
Cash Flow From Continuing Investing Activities
-674.30
+60.82%
-1,721.10
-21.48%
-1,416.80
-207.60%
-460.60
Net PPE Purchase And Sale
-1.60
-214.29%
1.40
+135.00%
-4.00
-29.03%
-3.10
Purchase Of PPE
-1.60
+11.11%
-1.80
+55.00%
-4.00
-29.03%
-3.10
Sale Of PPE
0.00
-100.00%
3.20
0.00
0.00
Capital Expenditure
-1.60
+11.11%
-1.80
+55.00%
-4.00
-29.03%
-3.10
Net Investment Purchase And Sale
12.20
+31.18%
9.30
+9.41%
8.50
-65.02%
24.30
Purchase Of Investment
—
—
—
-50.10
Sale Of Investment
12.20
+31.18%
9.30
+9.41%
8.50
-65.02%
24.30
Net Other Investing Changes
-684.90
+60.45%
-1,731.80
-21.85%
-1,421.30
-195.00%
-481.80
Financing Cash Flow
-724.60
-175.69%
957.30
+259.62%
266.20
+133.50%
-794.60
Cash Flow From Continuing Financing Activities
-724.60
-175.69%
957.30
+259.62%
266.20
+133.50%
-794.60
Net Issuance Payments Of Debt
-3.90
-100.30%
1,293.70
+163.75%
490.50
+1791.38%
-29.00
Issuance Of Debt
4,023.10
-58.72%
9,745.30
-9.71%
10,793.90
+32.21%
8,164.50
Repayment Of Debt
-4,027.00
+52.35%
-8,451.60
+17.97%
-10,303.40
-25.75%
-8,193.50
Long Term Debt Issuance
4,023.10
-58.72%
9,745.30
-9.71%
10,793.90
+32.21%
8,164.50
Long Term Debt Payments
-4,027.00
+52.35%
-8,451.60
+17.97%
-10,303.40
-25.75%
-8,193.50
Net Long Term Debt Issuance
-3.90
-100.30%
1,293.70
+163.75%
490.50
+1791.38%
-29.00
Net Common Stock Issuance
-725.40
-131.54%
-313.30
-54.64%
-202.60
+74.17%
-784.50
Common Stock Payments
-725.40
-131.54%
-313.30
-54.64%
-202.60
+74.17%
-784.50
Repurchase Of Capital Stock
-725.40
-131.54%
-313.30
-54.64%
-202.60
+74.17%
-784.50
Proceeds From Stock Option Exercised
23.50
+50.64%
15.60
+200.00%
5.20
-65.56%
15.10
Net Other Financing Charges
-18.80
+51.42%
-38.70
-43.87%
-26.90
-807.89%
3.80
Changes In Cash
-344.30
-192.03%
374.10
+603.20%
53.20
+422.42%
-16.50
Beginning Cash Position
845.00
+79.44%
470.90
+12.74%
417.70
-3.80%
434.20
End Cash Position
500.70
-40.75%
845.00
+79.44%
470.90
+12.74%
417.70
Free Cash Flow
1,053.00
-7.31%
1,136.10
-5.31%
1,199.80
-2.90%
1,235.60
Interest Paid Supplemental Data
438.40
+11.44%
393.40
+62.49%
242.10
+64.36%
147.30
Income Tax Paid Supplemental Data
279.30
+169.33%
103.70
+225.08%
31.90
-56.12%
72.70
Change In Income Tax Payable
-117.20
-423.76%
36.20
-53.89%
78.50
+3313.04%
2.30
Change In Tax Payable
-117.20
-423.76%
36.20
-53.89%
78.50
+3313.04%
2.30
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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