Credit Acceptance/$CACC
1D1W1MYTD1Y5YMAX
Capital at risk
About Credit Acceptance
Credit Acceptance Corp is a consumer finance company that specializes in automobile loans. These loans are offered through a U.S. nationwide network of automobile dealers that benefit from sales of vehicles to consumers who could otherwise not obtain financing. The company also benefits from repeat and referral sales, and from sales to customers responding to advertisements for financing, but qualify for traditional financing. The company derives its revenue from finance charges, premiums earned on the reinsurance of vehicle service contracts, and other fees. Of these, financing charges, including servicing fees, are by far a source of revenue.
- Ticker
- $CACC
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 2,314
- Headquarters
- Southfield, United States
- Website
- www.creditacceptance.com
CACC Metrics
BasicAdvanced
$6.2B
13.09
$45.36
1.35
-
Price and volume
Market cap
$6.2B
Beta
1.35
52-week high
$668.86
52-week low
$401.90
Average daily volume
116K
Financial strength
Current ratio
4.833
Quick ratio
4.552
Long term debt to equity
310.529
Total debt to equity
395.632
Profitability
Gross margin (TTM)
94.65%
Net profit margin (TTM)
38.51%
Operating margin (TTM)
49.83%
Effective tax rate (TTM)
22.73%
Revenue per employee (TTM)
$560,000
Management effectiveness
Return on assets (TTM)
5.79%
Return on equity (TTM)
31.93%
Valuation
Price to earnings (TTM)
13.091
Price to revenue (TTM)
4.938
Price to book
3.88
Price to tangible book (TTM)
3.88
Price to free cash flow (TTM)
5.271
Free cash flow yield (TTM)
18.97%
Free cash flow per share (TTM)
112.647
Growth
Revenue change (TTM)
11.10%
Earnings per share change (TTM)
30.54%
3-year revenue growth (CAGR)
11.35%
10-year revenue growth (CAGR)
5.83%
3-year earnings per share growth (CAGR)
21.28%
10-year earnings per share growth (CAGR)
11.61%
What the Analysts think about CACC
Analyst ratings (Buy, Hold, Sell) for Credit Acceptance stock.
Analyst projections of the future price of Credit Acceptance stock.
Bulls say / Bears say
GAAP net income surged to $135.9 million ($12.66 per diluted share) in Q2 2026 from $87.4 million ($7.42) a year earlier, reflecting strong year-over-year profitability improvement. (Credit Acceptance Q2 Release)
Average loan portfolio balance remained robust at $8.0 billion while assignment dollar volume grew 0.1% year-over-year and monthly unit volumes returned to growth in June, underscoring portfolio stability and resilient demand. (Credit Acceptance Q2 Release)
AI-enabled servicing improvements gained traction, with 67% of inbound calls routed through the AI call-center agent in June (up from 27% in March), enhancing efficiency and reducing cost-to-serve. (Credit Acceptance Q2 Release)
Consumer loan unit assignment volume declined 1.0% year-over-year to 84,615 units, signaling potential softening in origination activity. (Credit Acceptance Q2 Release)
Forecasted net cash flows from the loan portfolio decreased by $39.1 million (0.3%), exceeding prior-year quarter declines and indicating pressure on portfolio cash generation. (Credit Acceptance Q2 Release)
Dealer holdback and accelerated holdback payments totaled $43.5 million during the quarter, reducing near-term liquidity and diverting resources from core lending operations. (Credit Acceptance Q2 Release)
Data summarised monthly by Lightyear AI. Last updated on 14 Aug 2026.
CACC Financial Performance
Revenues and expenses
CACC Earnings Performance
Company profitability
Upcoming events
No upcoming events
CACC News
AllArticlesVideos
Funds containing CACC
AllUSDGBPEUR
Fund name | Fund size | $CACC weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.18% |
iShares S&P Small Cap 600£ISP6 | £2.4B | 0.18% |
iShares MSCI World Small Cap$WSML | $9B | 0.03% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.03% |
iShares MSCI World Small Cap£WLDS | £6.7B | 0.03% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.