CACC
Credit Acceptance Corporation
CACC's fundamentals are weak: its operating margin fell 8 points to 18%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
CACC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
CACC's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CACC.
CACC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 9.3x | $504 | — |
| Cheap | 10x | $318 | -37% |
| Fair | 14x | $417 | -17% |
| Current | 17x | $504 | — |
| Expensive | 25x | $752 | +49% |
Historical ranges are pointers, not guarantees.
CACC's PE is 17x, but its earnings don't support one, so it isn't a reliable read right now.
CACC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for CACC, with profitability improving.
CACC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $53.86 | +77% |
| Q3 2026 | $30.50 | -19% |
| Q2 2026 | $45.36 | +31% |
| Q1 2026 | $40.12 | +71% |
| Q4 2025 | $36.38 | +83% |
| Q3 2025 | $37.79 | +154% |
| Q2 2025 | $34.71 | +149% |
| Q1 2025 | $23.46 | +21% |
| Q4 2024 | $19.88 | -9.6% |
CACC's earnings per share have fallen from their peak: $30.50 over the past year, against $62.64 in early 2022. Its recent earnings include one-off gains.
CACC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $594.6M | +2.1% |
| Q2 2026 | $587.4M | +0.6% |
| Q1 2026 | $580M | +1.6% |
| Q4 2025 | $579.9M | +2.5% |
| Q3 2025 | $582.4M | +5.8% |
| Q2 2025 | $583.8M | +8.5% |
| Q1 2025 | $571.1M | +12% |
| Q4 2024 | $565.9M | +15% |
CACC's revenue has grown year over year for 14 quarters in a row: $595M last quarter, up 2.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -12% | -38 points |
| Q2 2026 | 29% | +8.5 points |
| Q1 2026 | 30% | +5.4 points |
| Q4 2025 | 27% | -6.8 points |
| Q3 2025 | 26% | +6.2 points |
| Q2 2025 | 20% | +30 points |
| Q1 2025 | 25% | +7.8 points |
| Q4 2024 | 34% | +10 points |
CACC's operating margin was −12% last quarter, down 38 points from the same quarter a year ago, near the bottom of its range since 2019.
CACC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $334.1M | +12% |
| Q2 2026 | $307.9M | +121% |
| Q1 2026 | $345.5M | -0.1% |
| Q4 2025 | $268.9M | -12% |
| Q3 2025 | $298.8M | -5.8% |
| Q2 2025 | $139.4M | -32% |
| Q1 2025 | $345.9M | +12% |
| Q4 2024 | $305.5M | -1.3% |
CACC's free cash flow was $1.3B over the past year, up 15% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CACC.
CACC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -3% | -318K shares |
| 1 year | -9.2% | -1.1M shares |
| 3 years | -20% | -2.6M shares |
| 5 years | -34% | -5.4M shares |
| Available history | -45% | -8.6M shares |
CACC has 10M diluted shares, down 9.2% from a year ago, with $673M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $161.6M |
| Q2 2026 | $141.4M |
| Q1 2026 | $178.9M |
| Q4 2025 | $191.4M |
| Q3 2025 | $107.4M |
| Q2 2025 | $262.2M |
| Q1 2025 | $164.4M |
| Q4 2024 | $61.4M |
CACC spent $673M buying back its own shares over the past year, up 13% from the year before.
CACC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 13.1x | High |
| Q2 2026 | 8.0x | High |
| Q1 2026 | 8.8x | High |
| Q4 2025 | 9.2x | High |
| Q3 2025 | 8.7x | High |
| Q2 2025 | 9.5x | High |
| Q1 2025 | 13.0x | High |
| Q4 2024 | 14.9x | High |
CACC's net debt is about 13 years of its operating earnings (EBITDA), up from 8.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CACC.
CACC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.5 | Neutral |
| Stochastic | 26.5 | Neutral |
CACC's weekly RSI is 44 (neutral) and its Stochastic is 26 (neutral).
CACC PE vs Financial Services Sector
| Metric | CACC | Sector median | Relative |
|---|---|---|---|
| PE | 17x | 13x | 27% above |
| PE % | 65 | 63 | 2 pts above |
CACC is trading at 17x earnings, a 27% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
CACC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $526.9 | 4.4% below |
| 20 week MA | $571.9 | 12% below |
| 50 week MA | $526.5 | 4.4% below |
| 100 week MA | $506.2 | 0.5% below |
| 200 week MA | $496.6 | 1.4% above |
CACC has fallen below most of its moving averages, though it's still 1.4% above its 200-week average.
CACC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $437.2 | $329.0 | -25% |
| 2021 | $329.0 | $680.0 | +107% |
| 2022 | $680.0 | $465.2 | -32% |
| 2023 | $465.2 | $532.7 | +15% |
| 2024 | $532.7 | $469.2 | -12% |
| 2025 | $469.2 | $457.2 | -2.6% |
| 2026 YTD | $457.2 | $503.5 | +10% |
CACC has finished lower in four of the last six years. It's up 10% so far in 2026.