Credit Acceptance (CACC) Stock Price, News & Analysis

Company Overview

Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. The company 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. It is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. The company serves independent and franchised automobile dealers. Credit Acceptance Corporation was incorporated in 1972 and is headquartered in Southfield, Michigan.

Key Stats

• Today's Range: $505.38 to $512.65
• 50-Day Range: $447.51 to $543.74
• 52-Week Range: $409.22 to $560.00
• Volume: 40,923 shs
• Average Volume: 115,277 shs
• Market Capitalization: $5.73 billion
• P/E Ratio: 14.68
• Dividend Yield: N/A
• Price Target: $440.00
• Consensus Rating: Reduce

Credit Acceptance Stock Analysis - MarketRank™

Credit Acceptance scored higher than 63% of companies evaluated by MarketBeat, and ranked 510th out of 935 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: 2.5 / 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 14.73, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.65.

Price to Earnings Ratio vs. Sector

The P/E ratio of Credit Acceptance is 14.73, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.46.

Price to Book Value per Share Ratio

Credit Acceptance has a P/B Ratio of 3.69. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

9.81% 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 3.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Credit Acceptance has recently decreased by 6.33%, indicating that investor sentiment is improving significantly.

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

9.81% 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 3.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Credit Acceptance has recently decreased by 6.33%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.1 / 5
• News Sentiment: 0.84

News Sentiment

Credit Acceptance has a news sentiment score of 0.84. 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 lower news sentiment than the 1.18 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 15 news articles for Credit Acceptance this week, compared to 5 articles on an average week.

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 $19,262,627.00 in company stock.

Percentage Held by Insiders

Only 6.60% 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 the year. Since then, CACC shares have increased by 8.8% and is now trading at $510.8450.

How were Credit Acceptance's earnings last quarter?

Credit Acceptance Corporation (NASDAQ:CACC) issued its quarterly earnings data on Thursday, July, 31st. The credit services provider reported $8.56 EPS for the quarter, missing analysts' consensus estimates of $9.84 by $1.28. The firm's revenue was up 8.5% compared to the same quarter last year.
Read the conference call transcript.

Who are Credit Acceptance's major shareholders?

Credit Acceptance's top institutional shareholders include Cerity Partners LLC (7.09%), Ruane Cunniff & Goldfarb L.P. (5.20%), Beck Mack & Oliver LLC (3.35%) and Smead Capital Management Inc. (1.93%). 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: 7/31/2025
• Today: 8/29/2025
• Next Earnings (Estimated): 10/29/2025
• 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: -13.6%
• Consensus Rating: Reduce
• Rating Score (0-4): 1.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $34.69
• Trailing P/E Ratio: 14.68
• Forward P/E Ratio: 9.57
• P/E Growth: N/A
• Net Income: $247.90 million
• Net Margins: 18.69%
• Pretax Margin: 24.57%
• Return on Equity: 27.06%
• Return on Assets: 5.08%

Debt

• Debt-to-Equity Ratio: 4.16
• Current Ratio: 22.03
• Quick Ratio: 22.03

Sales & Book Value

• Annual Sales: $2.16 billion
• Price / Sales: 2.65
• Cash Flow: $41.75 per share
• Price / Cash Flow: 12.20
• Book Value: $138.35 per share
• Price / Book: 3.68

Miscellaneous

• Outstanding Shares: 11,240,000
• Free Float: 10,496,000
• Market Cap: $5.73 billion
• Optionable: Optionable
• Beta: 1.13