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Credit Acceptance Corp

CACC
508.900USD
+13.830+2.79%
Close 02/06, 16:00ETQuotes delayed by 15 min
5.44BMarket Cap
13.48P/E TTM

Credit Acceptance Corp

508.900
+13.830+2.79%
TradingKey Stock Score
Overall Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Peer Comparison
TradingKey Stock Score
Overall Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Peer Comparison

TradingKey Stock Score of Credit Acceptance Corp

Currency: USD Updated: 2026-02-06

Key Insights

Credit Acceptance Corp's fundamentals are relatively healthy, with an industry-leading ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 112 out of 397 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Hold, with the highest price target at 466.67.In the medium term, the stock price is expected to trend up.The company has been performing well in the stock market over the past month, which is supported by its strong fundamentals and technicals.The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Credit Acceptance Corp's Score

Industry at a Glance

Industry Ranking
112 / 397
Overall Ranking
170 / 4521
Industry
Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score
Previous score

Media Coverage

Last 24 hours
Coverage Level

Very Low
Very High
Negative

Credit Acceptance Corp Highlights

StrengthsRisks
Credit Acceptance Corporation is engaged in providing financing solutions that enable automobile dealers to sell vehicles to consumers. The Company’s financing programs are offered through a nationwide network of automobile dealers. Its loan portfolio consists of two portfolio segments: dealer loans and purchased loans. The Company offers two programs: the Portfolio Program and the Purchase Program. Under the Portfolio Program, the Company advances money to dealers in exchange for the right to service the underlying consumer loans. Under the Purchase Program, the Company buys the consumer loans from the dealers and keeps all amounts collected from the consumer. Its target market consists of approximately 60,000 independent and franchised automobile dealers in the United States. The Company has market area managers located throughout the United States that market its programs to dealers, enroll new dealers, and support active dealers.
High Growth
The company's revenue has grown steadily over the past 3 years, averaging 21.84% year-on-year.
High Profit Growth
The company's net income leads the industry, with the latest annual income totaling USD 2.32B.
Fairly Valued
The company’s latest PB is 3.57, at a medium 3-year percentile range.
Institutional Selling
The latest institutional holdings are 7.92M shares, decreasing 0.00% quarter-over-quarter.
Held by James Simons
Star Investor James Simons holds 28.49K shares of this stock.
Lower Market Activity
The company has less investor interest, with a 20-day turnover ratio of 0.58.

Analyst Rating

Based on 3 analysts
Hold
Current Rating
466.667
Target Price
-5.74%
Upside Space
Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Financial Health

Currency: USD Updated: 2026-02-06

The current financial score of Credit Acceptance Corp is 7.11, ranking 226 out of 397 in the Banking Services industry. Its financial status is stable, and its operating efficiency is average. Its latest quarterly revenue reached 579.90M, representing a year-over-year increase of 2.47%, while its net profit experienced a year-over-year increase of 19.68%.

Score

Industry at a Glance

Previous score
7.11
Change
0

Financials

6.63

Key Metrics

Cash and cash equivalents
Total assets
Total liabilities
Free cash flow
Relevant data have not been disclosed by the company yet.

Quality of Earnings

7.26

Operational Efficiency

6.13

Growth Potential

8.98

Shareholder Returns

6.58

Credit Acceptance Corp's Company Valuation

Currency: USD Updated: 2026-02-06

The current valuation score of Credit Acceptance Corp is 6.80, ranking 325 out of 397 in the Banking Services industry. Its current P/E ratio is 13.47, which is 220.44% below the recent high of 43.18 and 28.94% above the recent low of 9.57.

Score

Industry at a Glance

Previous score
6.80
Change
0

Valuation Dimensions

P/E
P/B
P/S
P/CF
Industry Ranking 112/397
Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-02-06

The current earnings forecast score of Credit Acceptance Corp is 6.00, ranking 272 out of 397 in the Banking Services industry. The average price target is 463.50, with a high of 475.00 and a low of 430.00.

Score

Industry at a Glance

Previous score
6.00
Change
0

Support & Resistance

Relevant data have not been disclosed by the company yet.

Analyst Rating

Based on 3 analysts
Hold
Current Rating
466.667
Target Price
-5.74%
Upside Space
Strong Buy
Buy
Hold
Sell
Strong Sell

Peer Comparison

37
Total
6
Median
8
Average
Company name
Ratings
Analysts
Credit Acceptance Corp
CACC
3
American Express Co
AXP
32
Capital One Financial Corp
COF
24
Synchrony Financial
SYF
23
SoFi Technologies Inc
SOFI
23
Ally Financial Inc
ALLY
20
1
2
3
...
8

Financial Forecasting

EPS
Revenue
Net Profit
EBIT
Relevant data have not been disclosed by the company yet.

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2026-02-06

The current price momentum score of Credit Acceptance Corp is 9.34, ranking 124 out of 397 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 539.61 and the support level at 454.95, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score
9.07
Change
0.27

Support & Resistance

Relevant data have not been disclosed by the company yet.

Indicators

The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators
Sell(1)
Neutral(3)
Buy(1)
Indicators
Value
Direction
MACD(12,26,9)
12.049
Buy
RSI(14)
62.532
Neutral
STOCH(KDJ)(9,3,3)
85.089
Overbought
ATR(14)
21.376
Low Volatility
CCI(14)
92.519
Neutral
Williams %R
8.823
Overbought
TRIX(12,20)
0.253
Sell
StochRSI(14)
40.000
Neutral
Moving Average
Sell(0)
Neutral(0)
Buy(6)
Indicators
Value
Direction
MA5
503.726
Buy
MA10
479.221
Buy
MA20
469.490
Buy
MA50
464.285
Buy
MA100
466.960
Buy
MA200
482.433
Buy

Institutional Confidence

Currency: USD Updated: 2026-02-06

The current institutional shareholding score of Credit Acceptance Corp is 7.00, ranking 57 out of 397 in the Banking Services industry. The latest institutional shareholding proportion is 77.29%, representing a quarter-over-quarter decrease of 0.10%. The largest institutional shareholder is Ruane Cunniff, holding a total of 578.46K shares, representing 5.42% of shares outstanding, with 2.28% decrease in holdings.

Score

Industry at a Glance

Previous score
7.00
Change
0

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name
Shares Held
Chg %
Prescott General Partners LLC
1.44M
--
Donald A. Foss 2009 Annuity Trust
1.29M
--
Donald A. Foss Irrevocable Trust Dated August 14, 2022
971.55K
--
Marital Trust U/A Donald A. Foss Trust January 16, 1981
852.80K
-5.93%
Cerity Partners LLC
796.56K
-0.01%
Smith (Thomas W)
703.73K
-0.51%
Ruane, Cunniff & Goldfarb L.P.
Star Investors
578.46K
-0.95%
Boston Partners
441.38K
+351.20%
Watson (Jill Foss)
417.93K
--
Tryforos (Thomas N)
401.19K
+0.10%
1
2

Risk Assessment

Currency: USD Updated: 2026-02-06

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of Credit Acceptance Corp is 6.51, ranking 226 out of 397 in the Banking Services industry. The company's beta value is 1.28. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets. Credit Acceptance Corp’s latest ESG disclosure leads the Banking Services industry, indicating outstanding, compliant performance across environmental management, social responsibility, and governance, which may help mitigate overall risk.

Score

Industry at a Glance

Previous score
6.51
Change
0
Beta vs S&P 500 index
1.28
VaR
+3.78%
240-Day Maximum Drawdown
+24.41%
240-Day Volatility
+42.35%

Return

Best Daily Return
60 days
+10.42%
120 days
+10.42%
5 years
+20.16%
Worst Daily Return
60 days
-6.31%
120 days
-9.63%
5 years
-16.24%
Sharpe Ratio
60 days
+2.05
120 days
+0.28
5 years
+0.34

Risk Assessment

Maximum Drawdown
240 days
+24.41%
3 years
+32.74%
5 years
+45.68%
Return-to-Drawdown Ratio
240 days
+0.16
3 years
+0.26
5 years
+0.13
Skewness
240 days
-0.28
3 years
-0.88
5 years
-0.03

Volatility

Realised Volatility
240 days
+42.35%
5 years
+41.29%
Standardised True Range
240 days
+3.43%
5 years
+3.48%
Downside Risk-Adjusted Return
120 days
+36.62%
240 days
+36.62%
Maximum Daily Upside Volatility
60 days
+30.40%
Maximum Daily Downside Volatility
60 days
+27.39%

Liquidity

Average Turnover Rate
60 days
+1.34%
120 days
+1.14%
5 years
--
Turnover Deviation
20 days
+57.99%
60 days
+106.04%
120 days
+75.35%

Peer Comparison

Banking Services
Credit Acceptance Corp
Credit Acceptance Corp
CACC
7.22 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
East West Bancorp Inc
East West Bancorp Inc
EWBC
8.86 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Citizens Financial Group Inc
Citizens Financial Group Inc
CFG
8.79 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Shinhan Financial Group Co Ltd
Shinhan Financial Group Co Ltd
SHG
8.77 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
GATX Corp
GATX Corp
GATX
8.70 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Wintrust Financial Corp
Wintrust Financial Corp
WTFC
8.69 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
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