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Credit Acceptance Corporation (CACC)

NASDAQ: CACC · USD

$545

+2.06 (+0.4%)· Recorded snapshot

Market cap	5.7B
Revenue (ttm)	1.3B
Net income (ttm)	501.9M
EPS (ttm)	$45.4
Shares out	10.4M
P/E (trailing)	12.0x
P/E (forward)	10.5x
Volume	69,356
Beta	1.40

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Starker Kauf
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Starker Kauf
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Halten

Metric	Value
Amount currency	USD
CIK code	0000885550
Company name	Credit Acceptance Corporation
Country	United States
Country code	US
CUSIP number	225310101
Earnings date	2026-10-29
Earnings time	amc
Employees	2,314
Employees change	-117
Employees growth	-4.81%
Enterprise value	$11.9B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1972
Industry	Credit Services
IPO date	1992-06-05
Is primary listing	Yes
Is SPAC	No
ISIN number	US2253101016
Last 10-K release date	2026-02-13
Last earnings date	2026-08-04
Last refreshed	2026-10-28
Last stock split date	1994-12-21
Last stock split type	Forward
Market cap	$5.7B
Market cap category	Mid-Cap
Next earnings date	2026-10-29
Options	Yes
Price	$544.60
Price currency	USD
Sector	Financials
SIC code	6141
Stock price date	2026-10-28
Symbol	CACC
U.S. state	Michigan
Website	https://www.creditacceptance.com

Metric

Value

Amount currency

USD

CIK code

0000885550

Company name

Credit Acceptance Corporation

Country

United States

Country code

CUSIP number

225310101

Earnings date

2026-10-29

Earnings time

amc

Employees

2,314

Employees change

-117

Employees growth

-4.81%

Enterprise value

$11.9B

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

1972

Industry

Credit Services

IPO date

1992-06-05

Is primary listing

Yes

Is SPAC

ISIN number

US2253101016

Last 10-K release date

2026-02-13

Last earnings date

2026-08-04

Last refreshed

2026-10-28

Last stock split date

1994-12-21

Last stock split type

Forward

Market cap

$5.7B

Market cap category

Mid-Cap

Next earnings date

2026-10-29

Options

Yes

Price

$544.60

Price currency

USD

Sector

Financials

SIC code

6141

Stock price date

2026-10-28

Symbol

CACC

U.S. state

Michigan

Website

https://www.creditacceptance.com

Metric	Value
Adjusted P/E ratio	12.25x
Average P/E ratio (10Y)	14.8x
Average P/E ratio (3Y)	19.69x
Average P/E ratio (5Y)	16.32x
Earnings yield	8.33%
EV/Earnings	23.73x
EV/FCF	9.75x
EV/Sales	9.14x
FCF / EV yield	10.25%
FCF yield	21.71%
Forward EV/Sales	4.9x
Forward P/E	10.5x
Forward P/S	2.31x
Graham number	395.32296
Graham upside	-27.03%
Industry forward P/E	19.55x
Industry P/E	22.96x
Lynch fair value	$226.79
Lynch upside	-58.14%
P/(FCF - SBC) ratio	4.78x
P/(OCF - SBC) ratio	4.77x
P/B ratio	3.54x
P/E ratio	12.01x
P/FCF ratio	4.61x
P/OCF ratio	4.59x
P/S ratio	4.31x
Price / tangible book value	3.54x
Sector forward P/E	13.61x
Sector P/E	15.68x

Metric

Value

Adjusted P/E ratio

12.25x

Average P/E ratio (10Y)

14.8x

Average P/E ratio (3Y)

19.69x

Average P/E ratio (5Y)

16.32x

Earnings yield

8.33%

EV/Earnings

23.73x

EV/FCF

9.75x

EV/Sales

9.14x

FCF / EV yield

10.25%

FCF yield

21.71%

Forward EV/Sales

4.9x

Forward P/E

10.5x

Forward P/S

2.31x

Graham number

395.32296

Graham upside

-27.03%

Industry forward P/E

19.55x

Industry P/E

22.96x

Lynch fair value

$226.79

Lynch upside

-58.14%

P/(FCF - SBC) ratio

4.78x

P/(OCF - SBC) ratio

4.77x

P/B ratio

3.54x

P/E ratio

12.01x

P/FCF ratio

4.61x

P/OCF ratio

4.59x

P/S ratio

4.31x

Price / tangible book value

3.54x

Sector forward P/E

13.61x

Sector P/E

15.68x

Metric	Value
Effective tax rate	22.73%
FCF margin	93.69%
Gross margin	94.65%
Operating margin	49.83%
Pretax margin	49.83%
Profit margin	38.51%
Profit per employee	$216,897
Profitable quarters	8
Profitable years	26
Revenue per employee	$563,267
ROA	5.79%
ROA (5Y)	6.53%
ROE	31.93%
ROE (5Y)	26.9%
ROIC	6.35%
ROIC (5Y)	7.22%
SBC / revenue	3.46%
Tax / revenue	11.32%

Metric

Value

Effective tax rate

22.73%

FCF margin

93.69%

Gross margin

94.65%

Operating margin

49.83%

Pretax margin

49.83%

Profit margin

38.51%

Profit per employee

$216,897

Profitable quarters

Profitable years

Revenue per employee

$563,267

ROA

5.79%

ROA (5Y)

6.53%

ROE

31.93%

ROE (5Y)

26.9%

ROIC

6.35%

ROIC (5Y)

7.22%

SBC / revenue

3.46%

Tax / revenue

11.32%

Metric	Value
EPS growth	30.54%
EPS growth (Q)	70.62%
EPS growth (QoQ)	2.1%
EPS growth 10Y	11.61%
EPS growth 3Y	21.28%
EPS growth 5Y	-2.58%
EPS growth quarters	2
EPS growth years	1
FCF growth	10.2%
FCF growth (Q)	120.88%
FCF growth (QoQ)	-10.88%
FCF growth 3Y	0.93%
FCF growth 5Y	1.35%
Net income growth	18.26%
Net income growth (Q)	55.49%
Net income growth (QoQ)	0.07%
Net income growth 3Y	14.33%
Net income growth 5Y	-11.01%
Net income growth quarters	2
Net income growth years	1
OCF growth	10.38%
OCF growth (Q)	121.55%
OCF growth (QoQ)	-10.76%
OCF growth 10Y	10.7%
OCF growth 3Y	0.91%
OCF growth 5Y	1.32%
Operating income growth	16.17%
Operating income growth (Q)	43.12%
Operating income growth 3Y	14.93%
Operating income growth 5Y	-11.23%
Revenue growth	11.1%
Revenue growth (Q)	9.45%
Revenue growth (QoQ)	-3.37%
Revenue growth 10Y	5.83%
Revenue growth 3Y	11.35%
Revenue growth 5Y	-3.6%
Revenue growth quarters	13
Revenue growth years	3

Metric

Value

EPS growth

30.54%

EPS growth (Q)

70.62%

EPS growth (QoQ)

2.1%

EPS growth 10Y

11.61%

EPS growth 3Y

21.28%

EPS growth 5Y

-2.58%

EPS growth quarters

EPS growth years

FCF growth

10.2%

FCF growth (Q)

120.88%

FCF growth (QoQ)

-10.88%

FCF growth 3Y

0.93%

FCF growth 5Y

1.35%

Net income growth

18.26%

Net income growth (Q)

55.49%

Net income growth (QoQ)

0.07%

Net income growth 3Y

14.33%

Net income growth 5Y

-11.01%

Net income growth quarters

Net income growth years

OCF growth

10.38%

OCF growth (Q)

121.55%

OCF growth (QoQ)

-10.76%

OCF growth 10Y

10.7%

OCF growth 3Y

0.91%

OCF growth 5Y

1.32%

Operating income growth

16.17%

Operating income growth (Q)

43.12%

Operating income growth 3Y

14.93%

Operating income growth 5Y

-11.23%

Revenue growth

11.1%

Revenue growth (Q)

9.45%

Revenue growth (QoQ)

-3.37%

Revenue growth 10Y

5.83%

Revenue growth 3Y

11.35%

Revenue growth 5Y

-3.6%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-3.9M
Depreciation and amortization	$2.9M
EPS	$45.36
FCF per share	$117.63
Financing cash flow	$-744.7M
Free cash flow	$1.2B
Free cash flow minus SBC	$1.2B
Gross profit	$1.2B
Income taxes	$147.6M
Investing cash flow	$-552M
Net borrowing	$-193.6M
Net cash flow	$-71.7M
Net income	$501.9M
Operating cash flow minus SBC	$1.2B
Operating income	$649.5M
Revenue	$1.3B
Stock-based compensation	$45.1M

Metric

Value

Capital expenditures

$-3.9M

Depreciation and amortization

$2.9M

EPS

$45.36

FCF per share

$117.63

Financing cash flow

$-744.7M

Free cash flow

$1.2B

Free cash flow minus SBC

$1.2B

Gross profit

$1.2B

Income taxes

$147.6M

Investing cash flow

$-552M

Net borrowing

$-193.6M

Net cash flow

$-71.7M

Net income

$501.9M

Operating cash flow minus SBC

$1.2B

Operating income

$649.5M

Revenue

$1.3B

Stock-based compensation

$45.1M

Metric	Value
Book value per share	$153.13
Debt / equity	3.96
Debt / FCF	5.15
Net cash (debt)	$-6.3B
Net cash / market cap	-111.76%
Net debt / equity	3.96
Net debt / FCF	5.15
Piotroski F-Score	6
Property, plant and equipment	$14.1M
Shareholders' equity	$1.6B
Tangible book value	$1.6B
Tangible book value per share	$153.13
Total assets	$8.6B
Total cash	$1.4M
Total debt	$6.3B
Total liabilities	$7B
WACC	5.65%

Metric

Value

Book value per share

$153.13

Debt / equity

3.96

Debt / FCF

5.15

Net cash (debt)

$-6.3B

Net cash / market cap

-111.76%

Net debt / equity

3.96

Net debt / FCF

5.15

Piotroski F-Score

Property, plant and equipment

$14.1M

Shareholders' equity

$1.6B

Tangible book value

$1.6B

Tangible book value per share

$153.13

Total assets

$8.6B

Total cash

$1.4M

Total debt

$6.3B

Total liabilities

$7B

WACC

5.65%

Metric	Value
Asset turnover	0.15
Current ratio	4.83
Quick ratio	4.55
Working capital	$6.7B
Working capital turnover	0.18

Metric

Value

Asset turnover

0.15

Current ratio

4.83

Quick ratio

4.55

Working capital

$6.7B

Working capital turnover

0.18

Metric	Value
Buyback yield / dilution	9.42%
Dividend yield	0%
Shareholder yield	9.42%

Metric

Value

Buyback yield / dilution

9.42%

Dividend yield

Shareholder yield

9.42%

Metric	Value
10Y price change	194.6%
10Y return CAGR	11.41%
10Y total return	194.6%
150-day SMA	$557.46
15Y price change	638.39%
15Y return CAGR	14.26%
15Y total return	638.39%
1D price change	0.38%
1M price change	-3.05%
1M total return	-3.05%
1W price change	0.11%
1W total return	0.11%
1Y price change	7.08%
1Y return CAGR	7.09%
1Y total return	7.08%
20-day SMA	$539.19
200-day SMA	$537.24
20Y price change	1,514.41%
20Y return CAGR	14.92%
20Y total return	1,514.41%
3M price change	-2.53%
3M total return	-2.53%
3Y price change	33.16%
3Y return CAGR	10.01%
3Y total return	33.16%
50-day SMA	$566.74
50-day SMA vs 200-day SMA	50over200
52-week high	$668.86
52-week high date	2026-07-06
52-week low	$401.90
52-week low date	2025-11-06
5Y price change	-8.52%
5Y return CAGR	-1.76%
5Y total return	-8.52%
6M price change	4.56%
6M total return	4.56%
All-time high	$703.27
All-time high date	2021-11-05
All-time low	$2.33
All-time low date	1992-06-05
Average true range (ATR)	$15.36
Average volume	80.4K
Beta (1Y)	1.5
Beta (2Y)	1.38
Beta (5Y)	1.4
Change from 52-week high	-18.58%
Change from 52-week low	35.51%
Change from all-time high	-23.4%
Change from all-time low	22,991.73%
Change from open	0.52%
Day's gap	-0.13%
Dollar volume	$37.8M
High price	$545.87
Low price	$538.73
Monthly RSI	52.3
Open price	$541.80
Position in 52-week range	82.21%
Previous close	$542.52
Price vs 150-day SMA	-3.36%
Price vs 20-day SMA	-0.09%
Price vs 200-day SMA	0.28%
Price vs 50-day SMA	-4.94%
Relative volume	0.86
RSI	45.31
Sharpe ratio	0.26
Sharpe ratio (3Y)	0.32
Sharpe ratio (5Y)	0.04
Sortino ratio	0.52
Sortino ratio (3Y)	0.6
Sortino ratio (5Y)	0.19
Volume	69.4K
Weekly RSI	46.85
YTD price change	21.48%
YTD total return	21.48%

Metric

Value

10Y price change

194.6%

10Y return CAGR

11.41%

10Y total return

194.6%

150-day SMA

$557.46

15Y price change

638.39%

15Y return CAGR

14.26%

15Y total return

638.39%

1D price change

0.38%

1M price change

-3.05%

1M total return

-3.05%

1W price change

0.11%

1W total return

0.11%

1Y price change

7.08%

1Y return CAGR

7.09%

1Y total return

7.08%

20-day SMA

$539.19

200-day SMA

$537.24

20Y price change

1,514.41%

20Y return CAGR

14.92%

20Y total return

1,514.41%

3M price change

-2.53%

3M total return

-2.53%

3Y price change

33.16%

3Y return CAGR

10.01%

3Y total return

33.16%

50-day SMA

$566.74

50-day SMA vs 200-day SMA

50over200

52-week high

$668.86

52-week high date

2026-07-06

52-week low

$401.90

52-week low date

2025-11-06

5Y price change

-8.52%

5Y return CAGR

-1.76%

5Y total return

-8.52%

6M price change

4.56%

6M total return

4.56%

All-time high

$703.27

All-time high date

2021-11-05

All-time low

$2.33

All-time low date

1992-06-05

Average true range (ATR)

$15.36

Average volume

80.4K

Beta (1Y)

1.5

Beta (2Y)

1.38

Beta (5Y)

1.4

Change from 52-week high

-18.58%

Change from 52-week low

35.51%

Change from all-time high

-23.4%

Change from all-time low

22,991.73%

Change from open

0.52%

Day's gap

-0.13%

Dollar volume

$37.8M

High price

$545.87

Low price

$538.73

Monthly RSI

52.3

Open price

$541.80

Position in 52-week range

82.21%

Previous close

$542.52

Price vs 150-day SMA

-3.36%

Price vs 20-day SMA

-0.09%

Price vs 200-day SMA

0.28%

Price vs 50-day SMA

-4.94%

Relative volume

0.86

RSI

45.31

Sharpe ratio

0.26

Sharpe ratio (3Y)

0.32

Sharpe ratio (5Y)

0.04

Sortino ratio

0.52

Sortino ratio (3Y)

0.6

Sortino ratio (5Y)

0.19

Volume

69.4K

Weekly RSI

46.85

YTD price change

21.48%

YTD total return

21.48%

Metric	Value
Float	5.1M
Float percentage	49.36%
Shares change (QoQ)	-2%
Shares change (YoY)	-9.42%
Shares held by insiders	15.8%
Shares held by institutions	59.31%
Shares outstanding	10.4M
Short % of float	18.77%
Short % of shares	9.26%
Short ratio	8 days

Metric

Value

Float

5.1M

Float percentage

49.36%

Shares change (QoQ)

-2%

Shares change (YoY)

-9.42%

Shares held by insiders

15.8%

Shares held by institutions

59.31%

Shares outstanding

10.4M

Short % of float

18.77%

Short % of shares

9.26%

Short ratio

8 days

Credit Acceptance Corporation (CACC)

Price

Financial snapshot

Fair-value bridge

Latest news · CACC

Valuation

Profitability

Balance sheet

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Sector percentile context

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Profile and market data

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Performance and technicals

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Deeper analysis on CACC

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