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Credit Acceptance Corp

CACC

502.050USD

+27.610+5.82%

Close 09/15, 16:00（ET）Quotes delayed by 15 min

5.64BMarket Cap

13.29P/E TTM



Credit Acceptance Corp

502.050

+27.610+5.82%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated：2025-09-15

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Hold. Despite an average stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

90 / 400

Overall Ranking

191 / 4724

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 4 analysts

Hold

Current Rating

467.500

Target Price

-1.46%

Upside Space

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

Company Highlights

StrengthsRisks

Credit Acceptance Corporation is engaged in offering 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 18.01% year-on-year.

Fairly Valued

The company’s latest PB is 3.63, at a medium 3-year percentile range.

Institutional Buying

The latest institutional holdings are 13.16M shares, increasing 7.14% quarter-over-quarter.

Held by Ruane Cunniff

Star Investor Ruane Cunniff holds 584.02K shares of this stock.

Lower Market Activity

The company has less investor interest, with a 20-day turnover ratio of 0.58.

Financial Health

Currency: USD Updated：2025-09-15

The company's current financial score is 7.69, which is higher than the Banking Services industry's average of 7.33. Its financial status is stable, and its operating efficiency is average. Its latest quarterly revenue reached 571.10M, representing a year-over-year increase of 12.42%, while its net profit experienced a year-over-year increase of 65.32%.

Score

Industry at a Glance

Previous score

7.69

Change

0.19



Financials

7.38

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

8.13

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

7.76

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

9.00

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

7.12

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated：2025-09-15

The company’s current valuation score is 5.60, which is higher than the Banking Services industry's average of 4.39. Its current P/E ratio is 14.54, which is 71.90% below the recent high of 24.99 and -6.81% above the recent low of 15.53.

Score

Industry at a Glance

Previous score

1.22

Change

-0.01

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 90/400

No Data

Earnings Forecast

Currency: USD Updated：2025-09-15

The company’s current earnings forecast score is 5.50, which is lower than the Banking Services industry's average of 7.34. The average price target for Credit Acceptance Corp is 472.50, with a high of 500.00 and a low of 425.00.

Score

Industry at a Glance

Previous score

5.50

Change

Support & Resistance

No Data

Analyst Rating

Based on 4 analysts

Hold

Current Rating

467.500

Target Price

-1.46%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

Total

Median

Average

Company name

Ratings

Analysts

Credit Acceptance Corp

CACC

American Express Co

AXP

Capital One Financial Corp

COF

Synchrony Financial

SYF

SoFi Technologies Inc

SOFI

Ally Financial Inc

ALLY

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

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：2025-09-15

The company’s current price momentum score is 8.85, which is higher than the Banking Services industry's average of 8.78. Sideways: Currently, the stock price is trading between the resistance level at 545.60 and the support level at 454.33, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

6.18

Change

0.75

Support & Resistance

No Data

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(2)

Neutral(4)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

-3.859

Neutral

RSI(14)

49.568

Neutral

STOCH(KDJ)(9,3,3)

42.446

Neutral

ATR(14)

17.226

Low Volatility

CCI(14)

-173.098

Sell

Williams %R

50.096

Neutral

TRIX(12,20)

0.237

Sell

StochRSI(14)

48.075

Buy

Moving Average

Sell(3)

Neutral(0)

Buy(3)

Indicators

Value

Direction

MA5

507.329

Sell

MA10

512.498

Sell

MA20

505.779

Sell

MA50

499.996

Buy

MA100

497.906

Buy

MA200

493.747

Buy

Institutional Confidence

Currency: USD Updated：2025-09-15

The company’s current institutional recognition score is 10.00, which is higher than the Banking Services industry's average of 6.35. The latest institutional shareholding proportion is 116.48%, representing a quarter-over-quarter increase of 9.81%. The largest institutional shareholder is Ruane Cunniff, holding a total of 584.02K shares, representing 5.20% of shares outstanding, with 4.45% decrease in holdings.

Score

Industry at a Glance

Previous score

10.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Prescott General Partners LLC

2.31M

-0.73%

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

906.55K

-12.01%

Cerity Partners LLC

797.51K

+0.14%

Ruane, Cunniff & Goldfarb L.P.

Star Investors

643.10K

-1.86%

The Vanguard Group, Inc.

Star Investors

481.91K

-0.70%

Watson (Jill Foss)

417.93K

Tryforos (Thomas N)

401.19K

+0.10%

Risk Assessment

Currency: USD Updated：2025-09-15

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 company’s current risk assessment score is 6.21, which is higher than the Banking Services industry's average of 5.16. The company's beta value is 1.25. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets.