CACC
Credit Acceptance Corporation
$538.16
+0.74% 2026-10-20
FinancialsS&P 600
CACCSPY
1W
-1.4%
1M
-6.9%
3M
-13.0%
6M
+3.2%
YTD
+21.4%
1Y
+8.8%
Live chart
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Grades vs sector
Momentum62nd pct in sectorB-
Momentum
62nd pct in sector
12-1 return: +18.7%
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
Growth43rd pct in sectorC
Growth
43rd pct in sector
Revenue growth (YoY): +9.5%
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
Value58th pct in sectorB-
Value
58th pct in sector
Forward E/P: 10.2% · EBITDA/EV: –
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
Profitability89th pct in sectorA
Profitability
89th pct in sector
Profit margin: +38.5% · Return on equity: +31.9%
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
RevisionsNot enough data yet–
Revisions
Not enough data yet
EPS estimate change, 30 days (current FY): –
30-day change in analysts' current-year EPS estimate; graded across covered stocks.
30-day change in analysts' current-year EPS estimate; graded across covered stocks.
Our models
Not held by any of our 5 live models right now.
Quality Growth
not ranked (outside this model's universe or screens)
Momentum Top 15not ranked (outside this model's universe or screens)
Momentum Blendnot in the current book
New Highs Growthnot ranked (outside this model's universe or screens)
Conviction 20not in the current book
News
More newsCredit Acceptance (CACC) Stock Looks Below Fair Value On Its 29% Run
Simply Wall St. · Oct 09
Q2 Earnings Roundup: Credit Acceptance (NASDAQ:CACC) And The Rest Of The Consumer Finance Segment
StockStory · Oct 09
Wells Fargo Faces HUD Lending Probe: A Setback for Regulatory Progress?
Zacks · Oct 08
Fortune Media and Great Place To Work® Name Credit Acceptance to 2026 Best Workplaces in Financial Services™ List for the 12th Consecutive Year
GlobeNewswire · Oct 07
Encore Capital Stock Soars 73.8% YTD: Is There Further Upside Left?
Zacks · Oct 01
Key stats
Market cap$5.6B
P/E (trailing)11.9
P/E (forward)9.8
52-week range401.90 – 668.86
Revenue growth (YoY, latest qtr)+9.5%
Dividend yield0.00%
Analyst consensusHold (3)
Mean price target$596.67 (+11%)
Valuation and fundamentals
Valuation & fundamentals
Bottom line
Leans undervalued
Model read-out from the numbers below, not advice. Score +2 (DCF counts double).
▲DCF (base case)above the price by 227%
•Forward P/E vs sector9.8x vs median 10.2x
•Piotroski F-score6/9
•Analyst target+11% (3 analysts)
Discounted cash flow
Bear
$1,117
+108%
growth 4% · disc. 12.3% · term. 2.0%
Base
$1,761
+227%
growth 9% · disc. 11.3% · term. 2.5%
Bull
$2,541
+372%
growth 12% · disc. 10.3% · term. 3.0%
A DCF starts from trailing free cash flow, so it can overstate value if the last 12 months were unusually strong (or weak). Use the bear case or edit the starting cash flow if so.
Reverse DCFfor context, not a signal
A normal DCF guesses future cash flows and works out a price. A reverse DCF runs it backwards: it starts from today's price and asks how fast free cash flow would have to grow to justify it. It tells you what the market is assuming, not whether the stock is cheap or expensive, and it is not a buy or sell signal. Glossary
Today's price implies shrinking cash flows: about -7% a year for 10 years.
Implied
-7%/yr
FCF, last 3 yrs
-5%/yr
FCF, last 5 yrs
+2%/yr
Revenue, last 3 yrs
+8%/yr
Revenue, last 5 yrs
+7%/yr
Same inputs as the DCF above: trailing free cash flow 1.2B, 11.3% discount rate, 2.5% growth after year 10, net debt and today's share count. Actual growth rates are compound annual rates from SEC annual filings through FY2025; "n/a" means too little history or a negative starting year.
Edit assumptions · recalculates instantly
Your value per share–
Free cash flow = operating cash flow − capital spending, trailing 12 months (TTM to 2026-06-30). Growth default: average of 3-year revenue CAGR and latest revenue growth, capped at 30%. Years 6–10 fade linearly to terminal growth. Discount rate = 4.25% risk-free assumption + beta 1.40 × 5% equity premium, kept within 7–13%. Bear: lower growth, +1 pt discount, 2% terminal. Bull: higher growth, −1 pt, 3%.
Multiples vs Financials
P/E (trailing)
cheaper
sector median 13.0× · 40th pct
11.9×cheaper
Forward P/E
cheaper
sector median 10.2× · 41st pct
9.8×cheaper
EV / EBITDA
sector median 10.9×
–Price / sales
cheaper
sector median 2.8× · 43rd pct
2.4×cheaper
Price / book
pricier
sector median 1.6× · 81st pct
3.5×pricier
FCF yield
cheaper
sector median 8.2% · 91st pct
21.9%cheaper
Forward EPS $55.18 vs trailing $45.35 (+22% expected growth). Forward P/E uses analysts' next-12-month estimate.
Quality & financial health
Gross margin
–
Operating margin
–
FCF margin
52.4%
Net margin
21.5%
Return on equity
31.6%
Return on invested capital
–
Net debt / EBITDA
–
Current ratio
–
Interest cover
–
Cash conversion (OCF/NI)
2.4×
Piotroski F-score 6/9 · last two fiscal years
✓ Positive net income✓ Positive operating cash flow✓ Return on assets improved✓ Cash flow above net income✗ Long-term debt / assets fell✗ Current ratio improved✓ No share dilution✗ Gross margin improved✓ Asset turnover improved
Analysts
Mean target
$597
+11%
Analysts
3
Hold
Range
$590–$600
low – high
● price · ◆ mean target
Annual history
| FY | Revenue | Net income | Free cash flow |
|---|---|---|---|
| 2025 | $2.3B | $423.9M | $1.1B |
| 2024 | $2.2B | $247.9M | $1.1B |
| 2023 | $1.9B | $286.1M | $1.2B |
| 2022 | $1.8B | $535.8M | $1.2B |
| 2021 | $1.9B | $958.3M | $1.1B |
| 2020 | $1.7B | $421.0M | $976.7M |
From the company's 10-K filings via SEC XBRL. 3-year revenue CAGR +8.1%.
Earnings
Next report: 2026-10-29 · after close · EPS est 12.34
EstimateActual (beat)Actual (miss)
| Report | EPS est | Actual | Surprise |
|---|---|---|---|
| 2026-08-04 | 11.85 | 12.12 | +2.2% |
| 2026-05-05 | 10.51 | 10.71 | +1.9% |
| 2026-01-29 | 9.85 | 11.35 | +15.2% |
| 2025-10-30 | 9.45 | 10.28 | +8.8% |
| 2025-07-31 | 9.83 | 8.56 | -12.9% |
| 2025-04-30 | 9.67 | 9.35 | -3.3% |
| 2025-01-30 | 7.93 | 10.17 | +28.2% |
| 2024-10-30 | 9.05 | 8.79 | -2.9% |
Quarterly revenue
| Quarter | Revenue | YoY |
|---|---|---|
| 2026-06-30 | $582.2M | +1.1% |
| 2026-03-31 | $574.8M | – |
| 2025-12-31 | $573.6M | – |
| 2025-09-30 | $576.4M | – |
| 2025-06-30 | $575.6M | – |
Analyst actions
TD Cowen
PT $590
2026-10-06 · main
Hold → HoldPT $590
TD Cowen
PT $600
2026-08-05 · main
Hold → HoldPT $600
TD Cowen
PT $575
2026-07-07 · main
Hold → HoldPT $575
TD Cowen
PT $500
2026-05-06 · main
Hold → HoldPT $500
Stephens & Co.
PT $540
2026-04-17 · main
Equal-Weight → Equal-WeightPT $540
TD Cowen
PT $470
2026-01-30 · main
Hold → HoldPT $470
Stats refreshed 2026-10-20 18:02:56 ET from Yahoo Finance (yfinance). "–" means the data isn't available. Refresh now
coteau
Coteau Systematic Strategies publishes stock research and model portfolios. It doesn't manage money or give investment advice. Results are hypothetical unless marked Live. Data: Yahoo Finance (delayed) and SEC EDGAR.