Credit Acceptance Corporation (CACC) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Credit Acceptance Corporation stock $799, price $530, upside +50.9%, quality 75 out of 100. Rating: strongly undervalued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $378.22 – $696.25 · fair‑value band $277.68 – $1,441 · the $529.56 price screens below the $799.07 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States.
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It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers.
The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.
Stock analysis
Credit Acceptance Corporation (CACC) currently trades at $529.56, while our model-based Fair Value estimate is $799.07, implying the stock looks roughly 34% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of $1,186 per share, and 6 of the 11 models we run sit above the $529.56 price.
Bear case: the Asset-Based group reads lowest at $98.34, and 5 of the 11 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $277.68 (bear) to $1,441 (bull), the price of $529.56 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 75/100 (high quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Credit Acceptance Corporation reported revenue of $2.3B in FY2025 versus $1.9B in FY2021, a compound +5.8%/yr. Reported net income was $424M in FY2025, compounding −18.4%/yr from FY2021.
Key figures
Market cap $5.7B Mid · P/E ratio 14.5 · P/S ratio 4.36 · EPS (TTM) $36.49 · Net margin 38.5% · Return on equity 31.9% · Return on assets (EBIT) 9.4% (5-year average) · Operating margin 52.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 82 out of 100 (low confidence).
What moves the price
The share trades about 19% below its 52-week high and 29% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 51%, CACC screens cheaper than that median.
Fair Value models
Bear$277.68Fair Value $799.07Bull$1,441
Price $529.56 · Upside +50.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($31.29 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
SaleErin J KerberChief Legal Officer7× since May 6, 2026: 24,625 shares, avg. $599.88$14.8MJun 26, 202610b5-1 plan
SaleNicholas J ElliottChief Transformation Officer7× since May 6, 2026: 13,950 shares, avg. $589.63$8.2MJun 26, 202610b5-1 plan
SaleJay D MartinChief Financial Officer8× since Feb 9, 2026: 16,340 shares, avg. $550.14$9.0MJun 24, 2026
SaleJonathan LumChief Operating Officer4× since Apr 20, 2026: 18,000 shares, avg. $571.11$10.3MJun 24, 202610b5-1 plan
SaleKenneth BoothDirector8× since Jan 30, 2026: 37,220 shares, avg. $535.72$19.9MMay 29, 2026
SaleWendy A RummlerChief People Officer5× since Jan 30, 2026: 16,250 shares, avg. $518.82$8.4MMay 18, 202610b5-1 plan
SaleRavi Mohan ValiyaveettilChief Technology Officer1,262 shares at $550.00$694,100May 6, 202610b5-1 plan
SaleDaniel A. UlatowskiChief Sales Officer2× since Dec 10, 2025: 3,589 shares, avg. $479.67$1.7MJan 30, 2026
Plus 1 more entries from the last 12 months.
Plus 30 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.83/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+8.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.8%
Start year 2020 (pandemic). Over 10 years: +11.5% a year
Revenue growth 33 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.7%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
−4.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−4.1%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.1.7% vs 10.1%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.33% → 48%
2025 sits 71% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
News mood ⓘNews mood, the average tone of recent news (96 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
AI conclusion: Moderate moat potential from financial metrics forms the main strength while thin qualitative public signals and cyclical sector risks form the key weakness.
Main risk: Further forecast adjustments on recent loan vintages may prove necessary as they season, hitting reported earnings and cash flow projections.
Bull case: By deepening integrations with dealer platforms and scaling its own AI-enabled tools for faster risk assessment and servicing, the company could strengthen its dealer-centric model and retain or expand share against digital rivals.
Bear case: If fintech platforms and larger subprime specialists accelerate adoption of alternative data and seamless digital experiences, dealers might shift volume away from Credit Acceptance, reducing originations and pressuring portfolio economics.
Credit Acceptance cut its forecasted portfolio cash flows by 2.5 percent after updating its collection model with more detailed segmentation on loans from 2022 through 2026. Loan assignments rose 38 percent and adjusted earnings increased, yet the change triggered a GAAP net loss. Will the new risk scorecard and expanded dealer network produce steadier collections on recent vintages, or will further forecast adjustments prove necessary as those loans season?
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks
Beats the industry median on 8/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score75 · Top 25%
Fair Value upside+50.9% · Above median
Profitability
Return on equity (12 months)31.9% · Top 25%
Return on assets4.4% · Above median
Net margin (12 months)38.5% · Above median
Operating margin (12 months)52.6% · Above median
Growth and dividend
Revenue growth (quarter YoY)9.5% · Below median
Balance sheet
Debt / equity4.17× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)14.5× · Pricier than median
P/B3.73× · Priciest 25%
P/S (12 months)4.36× · Pricier than median
Price / free cash flow (fiscal year)5.4× · Cheaper than median
EV/EBITDA10.9× · Cheaper than median
PEG1.15× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)100· sector 59
FUTURE (revenue growth)48· sector 57
PAST (return on equity)100· sector 39
HEALTH (low debt)–
DIVIDEND (yield)0· sector 64
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
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Is Credit Acceptance Corporation (CACC) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $799.07 versus a price of $529.56, about +51% upside (undervalued).
What is the fair value of CACC?
Our model-based fair value for Credit Acceptance Corporation is $799.07 (as of Nov 8, 2026), built from audited fundamentals. The current price: $529.56.
What is the quality score of CACC?
Credit Acceptance Corporation has a Quality Score of 75/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Credit Acceptance Corporation (CACC)?
Our model-based price target is the fair value of $799.07 (as of Nov 8, 2026) from 11 valuation models. Cautious scenario $277.68, optimistic scenario $1,441. It is a calculation from audited fundamentals, not an analyst target.
What is the Credit Acceptance Corporation stock forecast for 2026?
Our models put fair value at $799.07, about +51% upside versus a price of $529.56 (undervalued). Cautious scenario $277.68, optimistic scenario $1,441. The calculation is refreshed regularly with new filings.
What is the revenue of Credit Acceptance Corporation (CACC)?
Credit Acceptance Corporation reported trailing-twelve-month revenue of about $1.3B (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of Credit Acceptance Corporation (CACC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Credit Acceptance Corporation it is $799.07 per share (as of Nov 8, 2026), against a price of $529.56. It is the blended result of 11 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Credit Acceptance Corporation stock overvalued or undervalued in 2026?
As of Nov 8, 2026, CACC trades below its calculated fair value: price $529.56, fair value $799.07, a gap of about +51% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CACC?
No. The price is what the market pays today ($529.56); the fair value is what the company's own numbers justify ($799.07). For Credit Acceptance Corporation the two are $269.51 per share apart. That gap is exactly why we show both numbers side by side.
How much is Credit Acceptance Corporation worth?
The market values Credit Acceptance Corporation at about $5.7B (market capitalisation, as of Nov 8, 2026). Per share that is $529.56; our models calculate a fair value of $799.07 per share.
What do the bullish and bearish scenarios say about CACC?
Our models span a range for Credit Acceptance Corporation: cautious scenario $277.68, base $799.07, optimistic $1,441 per share (as of Nov 8, 2026, price $529.56). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CACC?
Credit Acceptance Corporation trades at a price-to-earnings ratio of 14.5 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $799.07 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 12.9 (reported for FY2025: 13.9). Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2025 ex one-offs: 13.2. Other multiples: PEG 1.2, P/B 3.7, P/S 4.4, EV/EBITDA 10.9.
What is the PEG ratio of CACC?
The PEG ratio of Credit Acceptance Corporation is 1.15 (P/E divided by earnings growth, as of Nov 8, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Credit Acceptance Corporation (CACC)?
Balance-sheet figures for Credit Acceptance Corporation (as of Nov 8, 2026): return on equity 31.9%, debt of 4.17 per unit of equity. They feed the Quality Score of 75/100, which measures business quality independently of the share price.
How far is CACC from its 52-week high?
Credit Acceptance Corporation trades at $529.56, about 19% below its 52-week high of $657.20 and 29% above the low of $411.04 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $799.07 is for.
Which stocks are comparable to Credit Acceptance Corporation?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Credit Acceptance Corporation stock attractive at the current price?
The data as of Nov 8, 2026: price $529.56, calculated fair value $799.07 (+51%), Quality Score 75/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CACC calculated?
We run Credit Acceptance Corporation through 11 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $799.07 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Credit Acceptance Corporation currently trades 34% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Credit Acceptance Corporation (CACC)?
The closing price on Nov 6, 2026 was $529.56. Our model-based fair value is $799.07, about +51% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Credit Acceptance Corporation right now?
The rarer combination: high quality (75/100) AND below fair value. That earns a closer look rather than a quick verdict. The model range is unusually wide ($277.68 to $1,441). The outcome hinges heavily on assumptions, so read the point estimate with caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Credit Acceptance Corporation (CACC) come from?
Earnings per share at Credit Acceptance Corporation grew +7.1 % a year from 2014 to 2025. Broken into its drivers: revenue per share +18.3 %, EBIT margin −8.0 %, tax rate +2.1 %, residual (interest, one-offs) −3.7 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Credit Acceptance Corporation
How large is the market capitalisation of Credit Acceptance Corporation (CACC)?
The market capitalisation of Credit Acceptance Corporation is $5.7B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Credit Acceptance Corporation (CACC)?
The price-to-sales ratio of Credit Acceptance Corporation is 4.36 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Credit Acceptance Corporation (CACC)?
Earnings per share at Credit Acceptance Corporation are $36.49 (price ÷ EPS = P/E 14.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Credit Acceptance Corporation (CACC)?
The net margin of Credit Acceptance Corporation is 38.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Credit Acceptance Corporation (CACC)?
The return on equity (ROE) of Credit Acceptance Corporation is 31.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Credit Acceptance Corporation (CACC)?
On an EBIT basis the return on assets of Credit Acceptance Corporation is 9.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Credit Acceptance Corporation (CACC)?
The operating margin of Credit Acceptance Corporation is 52.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Credit Acceptance Corporation (CACC)?
Revenue at Credit Acceptance Corporation is growing +9.5% versus a year earlier (3y avg +8.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Credit Acceptance Corporation (CACC)?
Earnings per share at Credit Acceptance Corporation are growing +70.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Credit Acceptance Corporation (CACC) generate?
The free cash flow of Credit Acceptance Corporation is $1.1B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Credit Acceptance Corporation (CACC) carry?
The net debt of Credit Acceptance Corporation is $5.9B (fiscal year 2025, ≈ 5.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Some data
Nov 8, 2026