Stock AnalizCredit Acceptance Corp. CACC
Finance: Consumer Services · IPO 1992 · data as of November 13, 2026
Credit Acceptance Corp. (CACC) is a financial company listed in the US with a market value of about $5.1B. In the twelve months to September 30, 2026 it had revenue of $2.3B and net income of $337M, a net margin of 14.4%.
Its overall Stock Analiz score is 2.2 out of 5 (weak). The strongest part is value (3/5); the weakest is future growth (1/5).
Key numbers: a P/E of 16.5, a price to free cash flow of 4.1, 5-year revenue growth of 7% a year, a 5-year average ROIC of 7%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 30% above the current price.
Score: 2.2 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Profit margin improving
- Profitable 5 years in a row
- ROE above 15%
- Positive free cash flow
- Debt below 3 years of free cash flow
Checks not passed
- P/E below the industry median
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.3B | $2.3B | $2.2B | $1.9B | $1.8B | $1.9B | $1.7B | $1.5B | $1.3B | $1.1B | $969M |
| Net income | $337M | $424M | $248M | $286M | $536M | $958M | $421M | $656M | $574M | $470M | $333M |
| Free cash flow | $1.3B | $1.1B | $1.1B | $1.2B | $1.2B | $1.1B | $977M | $786M | $679M | $558M | $502M |
| EPS (diluted) | $30.51 | $36.38 | $19.88 | $21.99 | $39.32 | $59.52 | $23.47 | $34.57 | $29.39 | $24.04 | $16.31 |
| Net margin | 14.4% | 18.3% | 11.5% | 15.0% | 29.2% | 51.6% | 25.2% | 44.1% | 44.6% | 42.4% | 34.3% |
| ROIC | — | 5.4% | 3.0% | 4.2% | 8.6% | 14.8% | 6.1% | 9.5% | 9.8% | 10.2% | 8.8% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 3 analysts is $556.67, 10% above the current price; targets range from $470.00 to $600.00; the consensus rating is “Hold”; expected EPS is $48.79 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Credit Acceptance’s P/E ratio?
About 16.5, based on the last twelve months of diluted earnings per share (forward P/E about 9.5).
Is Credit Acceptance stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 30% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Credit Acceptance pay a dividend?
Not currently.
Is Credit Acceptance a good stock to buy?
We do not give buy or sell advice. Credit Acceptance scores 2.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.