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Company Analysis

Credit Acceptance Corporation CACC

A comprehensive view of key metrics, scores, and financial health for Credit Acceptance Corporation

Overview of Credit Acceptance Corporation

CACC NMS
Financial Services Credit Services Mid Cap
Credit Acceptance Corporation (CACC), is a Mid Cap company, in the Credit Services industry, last closed at $447.79, about 68.3% overvalued vs fair value, -8.0% 1Y return, ranked 619/1004 in sector.
$447.79
-9.35%
As of March 13, 2026
Previous close • Vol 90d: 44.2%
52-Week Range
Market Cap
$4.94B
Enterprise Value
$11.27B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.creditacceptance.c...
HQ Southfield, MI
Employees 2,314
Fiscal year Dec 31

Next Events

Earnings Apr 29 Estimated

Fair Value Snapshot

Bear Base Bull
$79
$142
$266
Current: $447.79 -68% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$27.5M
5%%
Interest Expense
$462.9M
Net Interest Income
$27.5M
5%%
Total Revenue
$2.3B
7.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
27.8%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$730.6M
172.4% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
1
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Credit Acceptance Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
58
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
50
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing CACC's balance between Growth (26.6%), Profitability (35.3%), and Safety (38.2%). Growth 27% Safety 38% Profitability 35%

Click axes to expand details. Marker shows current allocation.

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Growth

46th percentile vs peers
46
Key Signals
EPS Growth YoY 83.0% 83p Revenue CAGR 3Y 7.9% 50p Rev Growth YoY 7.2% 34p EPS CAGR 3Y -2.6% 34p TSR -29.7% 18p
Strengths
  • Eps Growth Yoy in top 20% of peers (83.0%, 83th percentile)
  • Current Ratio in top 20% of peers (21.21, 91th percentile)
  • Net Debt/Ebitda in top 20% of peers (9.79, 80th percentile)
Risks

No significant risks identified for this axis.

Profitability

61th percentile vs peers
62
Key Signals
Strengths
Risks
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Safety

66th percentile vs peers
67
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Credit Acceptance Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$142.05
- - -
-68.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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