Credit Acceptance/$CACC
Credit Acceptance shares fell after its Q3 results swung to a GAAP loss and the company cut expected loan-portfolio cash flows by $291 million, citing weaker collections and a revised forecasting methodology.
3 hours agoLightyear AI
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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
$6B
12.69
$45.36
1.35
-
Price and volume
Market cap
$6B
Beta
1.35
52-week high
$668.86
52-week low
$401.90
Average daily volume
103K
Financial strength
Current ratio
4.833
Quick ratio
4.552
Long term debt to equity
3.105
Total debt to equity
3.956
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)
12.694
Price to revenue (TTM)
4.789
Price to book
3.76
Price to tangible book (TTM)
3.76
Price to free cash flow (TTM)
5.111
Free cash flow yield (TTM)
19.56%
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
Loan growth accelerated sharply in Q3: assignments rose 37.7% by units and 51.0% by dollars, while active dealers reached a record 12,093. That gives Credit Acceptance a stronger base for growth if it can maintain underwriting discipline. (Credit Acceptance Corporation)
Underlying results improved despite the reported GAAP loss: adjusted net income rose 14.9% and economic profit rose 17.9% year on year in Q3. The company also repurchased 2.6% of its opening share count during the quarter, lifting adjusted earnings per share as shares outstanding fell. (Credit Acceptance Corporation)
Funding access remains a strength: Credit Acceptance reported $1.2 billion of liquidity and completed a $600 million asset-backed financing at its lowest credit spreads since late 2021. Lower-cost, available funding supports its ability to finance further loan growth. (Credit Acceptance Corporation)
Credit performance weakened enough to trigger a sharp forecast reset: expected portfolio cash flows fell $291.2 million in Q3, and the company reported a $56.6 million GAAP loss. Collection forecasts for 2022–2026 loan vintages were cut, after repeated underperformance against earlier estimates. (Credit Acceptance Corporation)
The multistate settlement requires about $634 million of consumer debt relief, $60 million for consumer restitution and $15.5 million in payments to state authorities, alongside tighter lending, collection and dealer rules. Although the company says no extra charge beyond amounts already accrued is required, the new restrictions could still affect future recoveries and loan economics. (Credit Acceptance Corporation, Reuters)
The recent surge in originations may carry thinner unit economics: the spread on 2026 purchased loans was 18.3%, down from 19.6% for 2025 purchased loans. In Q3 the average provision per new assignment also rose 46.7%, with the company citing a larger share of purchased loans and their lower initial forecasts and spreads. (Credit Acceptance Corporation)
Data summarised monthly by Lightyear AI. Last updated on 30 Oct 2026.
CACC Financial Performance
Revenues and expenses
CACC Earnings Performance
Company profitability
Upcoming events
No upcoming events
CACC News
AllArticlesVideos
Credit Acceptance Q3 Earnings Call Highlights
MarketBeat22 hours ago
Credit Acceptance Q3 2026 Earnings Call Transcript
Benzinga24 hours ago
CREDIT ACCEPTANCE CORPORATION INVESTOR ALERT: Scott+Scott Attorneys at Law LLP Investigates Credit Acceptance Corporation's Directors and Officers for Breach of Fiduciary Duties – CACC
Business Wire3 weeks ago
Funds containing CACC
AllUSDEURGBP
Fund name | Fund size | $CACC weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.16% |
iShares S&P Small Cap 600£ISP6 | $3.2B | 0.16% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.03% |
iShares MSCI World Small Cap£WLDS | $9B | 0.03% |
iShares MSCI World Small Cap$WSML | $9B | 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.
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