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Credit Acceptance Corporation

Data quality: 100%
CACC
NASDAQ Financial Services Financial - Credit Services
$419.49
▼ $23.36 (-5.27%)
Mkt Cap: 4.63B
Day Range
$418.99 $441.47
52-Week Range
$401.90 $549.75
Volume
120,569
50D / 200D Avg
$478.32 / $481.92
Prev Close
$442.85

Quick Summary

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (857 peers)

Metric Stock Sector Median
P/E 10.9 10.2
P/B 3.0 1.1
ROE % 25.9 11.7
Net Margin % 18.3 16.8
Rev Growth 5Y % 5.8 11.7
D/E 4.2 0.5

Analyst Price Target

Hold
$480.00 +14.4%
Low: $460.00 High: $500.00
Forward P/E
9.61
Forward EPS
$46.22
EPS Growth (est.)
+0.0%
Est. Revenue
2.14B

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2028 $74.58
$72.69 – $76.47
 2.75B 1
FY2027 $54.75
$53.36 – $56.14
 2.26B 2
FY2026 $46.22
$45.04 – $47.39
 2.14B 2

Earnings Surprises

Last 8 quarters
Quarter Est. EPS Actual EPS Surprise
2026-01-29 $9.85 $11.35 +15.2%
2025-10-30 $9.87 $10.28 +4.2%
2025-07-31 $9.84 $8.56 -13.0%
2025-04-30 $10.31 $8.66 -16.0%
2025-01-30 $7.70 $12.26 +59.2%
2024-10-30 $9.21 $6.35 -31.1%
2024-07-31 $7.20 -$3.83 -153.2%
2024-04-30 $6.81 $5.08 -25.4%

Dividend History

Yield

0.00%

Payout Ratio

0.00%

Growth (3Y)

N/A

Growth (5Y)

N/A

No dividend history available.

Key Takeaways

Revenue grew 5.78% annually over 5 years — modest growth
Earnings grew 71.00% over the past year
ROE of 25.90% indicates high profitability
Net margin of 18.29% shows strong profitability
Debt/Equity of 4.17 — high leverage
Generating 1.05B in free cash flow

Growth

Revenue Growth (5Y)
5.78%
Revenue (1Y)8.57%
Earnings (1Y)71.00%
FCF Growth (3Y)-6.32%

Quality

Return on Equity
25.90%
ROIC10.51%
Net Margin18.29%
Op. Margin47.63%

Safety

Debt / Equity
4.17
Current Ratio0.26
Interest Coverage2.38

Valuation

P/E Ratio
10.92
Forward P/E9.61
P/B Ratio3.04
EV/EBITDA9.50
Dividend Yield0.00%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 8.57% Revenue Growth (3Y) 11.03%
Earnings Growth (1Y) 71.00% Earnings Growth (3Y) 21.72%
Revenue Growth (5Y) 5.78% Earnings Growth (5Y) -18.45%
Profitability
Revenue (TTM) 2.32B Net Income (TTM) 423.90M
ROE 25.90% ROA 4.42%
Gross Margin 98.75% Operating Margin 47.63%
Net Margin 18.29% Free Cash Flow (TTM) 1.05B
ROIC 10.51% FCF Growth (3Y) -6.32%
Safety
Debt / Equity 4.17 Current Ratio 0.26
Interest Coverage 2.38
Dividends
Dividend Yield 0.00% Payout Ratio 0.00%
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 10.92 Forward P/E 9.61
P/B Ratio 3.04 P/S Ratio 2.00
PEG Ratio 0.13 Forward PEG N/A
EV/EBITDA 9.50 Fwd EV/EBITDA 12.80
Forward P/S 2.16 Fwd Earnings Yield 10.41%
FCF Yield 22.75%
Market Cap 4.63B Enterprise Value 10.48B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 2.32B 2.13B 1.88B 1.82B 1.85B
Net Income 423.90M 247.90M 286.10M 535.80M 958.30M
EPS (Diluted) 37.55 19.88 21.99 39.32 59.52
Gross Profit 2.29B 1.33B 1.26B 1.35B 1.43B
Operating Income 1.10B 325.10M 347.30M 702.30M 1.26B

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 9.60B 9.74B 8.39B 7.63B 7.05B
Total Liabilities 8.07B 7.99B 6.64B 6.01B 5.23B
Shareholders' Equity 1.52B 1.75B 1.75B 1.62B 1.82B
Total Debt 6.35B 6.35B 5.07B 4.59B 4.62B
Cash & Equivalents 500.70M 845.00M 470.90M 417.70M 23.30M
Current Assets 577.50M 0.0 0.0 0.0 6.88B
Current Liabilities 2.18B 0.0 0.0 0.0 175.20M

Strategy Scores

This stock passed the criteria for 2 strategies

Score = fit strength (0–100)
Rank = position among all matches
Custom Capital Light Compounder
#167 of 225
29
Growth + Value Growth at a Reasonable Price (Peter Lynch)
#250 of 330
40

Recent Activity

Exited Contrarian Investing (David Dreman)
Mar 26, 2026
Entered Capital Light Compounder
Mar 24, 2026
Entered Contrarian Investing (David Dreman)
Mar 24, 2026
Entered Growth at a Reasonable Price (Peter Lynch)
Mar 24, 2026