/CACC
CACC Stock - Credit Acceptance Corporation
Financial Services|Financial - Credit ServicesNASDAQ
$462.11+1.06%
+$4.84 (+1.06%) • Dec 19
58
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.43
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).66
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.69
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+8.2%upside
Target: $500.00
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Active Trade Setup
ENTRY ZONE$457.49 – $466.73
TARGET (TP)$500.00
STOP LOSS$425.14
RISK/REWARD1:1.0
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta1.26
52W High$560.00
52W Low$401.90
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $2.13B | $1.88B | $1.82B | $1.85B | $1.67B |
| Gross Profit | $1.33B | $1.26B | $1.35B | $1.43B | $1.25B |
| Gross Margin | 62.4% | 67.2% | 73.9% | 77.2% | 75.0% |
| Operating Income | $325.10M | $347.30M | $702.30M | $1.26B | N/A |
| Net Income | $247.90M | $286.10M | $535.80M | $958.30M | $421.00M |
| Net Margin | 11.6% | 15.2% | 29.4% | 51.8% | 25.3% |
| EPS | $20.12 | $22.09 | $39.50 | $59.57 | $23.57 |
Company Overview
Credit Acceptance Corporation provides financing programs, and related products and services to independent and franchised automobile dealers in the United States. The company advances money to dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps various amounts collected from the consumers. It is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. The company was founded in 1972 and is headquartered in Southfield, Michigan.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
0%
Hold / Neutral
1
50%
Sell / Underperform
1
50%
Analyst Consensus🔴 Bearish
0 Bullish2 Neutral/Bearish
Price Targets
$406
Average Target
↓ 12.1% Downside
Now
$360
Low
$406
Average
$452
High
Based on 2 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| November 13th 2024 | Stephens | Initiation | Equal Weight | $452 |
| November 1st 2023 | TD Cowen | Initiation | Underperform | $360 |
Earnings History & Surprises
CACCBeat Rate
44%
Last 18 quarters
Avg Surprise
-8.0%
EPS vs Estimate
Beats / Misses
8/10
Last 12 quarters
Latest EPS
$10.28
Q4 2025
EPS Surprise History
Q1 24
+34.3%
$7.29vs$5.43
Q2 24
-25.4%
$5.08vs$6.81
Q3 24
-153.2%
$-3.83vs$7.20
Q4 24
-31.1%
$6.35vs$9.21
Q1 25
+59.2%
$12.26vs$7.70
Q2 25
-16.0%
$8.66vs$10.31
Q3 25
-13.0%
$8.56vs$9.84
Q4 25
+7.0%
$10.28vs$9.61
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 28, 2026 | — | — | — | — |
Q1 2026 | Jan 29, 2026 | $10.30 | — | — | — |
Q4 2025 | Oct 30, 2025 | $9.61 | $10.28 | +7.0% | ✓ BEAT |
Q3 2025 | Jul 31, 2025 | $9.84 | $8.56 | -13.0% | ✗ MISS |
Q2 2025 | Apr 30, 2025 | $10.31 | $8.66 | -16.0% | ✗ MISS |
Q1 2025 | Jan 30, 2025 | $7.70 | $12.26 | +59.2% | ✓ BEAT |
Q4 2024 | Oct 30, 2024 | $9.21 | $6.35 | -31.1% | ✗ MISS |
Q3 2024 | Jul 31, 2024 | $7.20 | $-3.83 | -153.2% | ✗ MISS |
Q2 2024 | Apr 30, 2024 | $6.81 | $5.08 | -25.4% | ✗ MISS |
Q1 2024 | Jan 31, 2024 | $5.43 | $7.29 | +34.3% | ✓ BEAT |
Q4 2023 | Oct 30, 2023 | $5.71 | $5.43 | -4.9% | ✗ MISS |
Q3 2023 | Aug 1, 2023 | $8.18 | $1.69 | -79.3% | ✗ MISS |
Q2 2023 | May 1, 2023 | $8.81 | $7.61 | -13.6% | ✗ MISS |
Q1 2023 | Jan 31, 2023 | $7.16 | $9.58 | +33.8% | ✓ BEAT |
Q4 2022 | Nov 1, 2022 | $10.33 | $6.49 | -37.2% | ✗ MISS |
Q3 2022 | Aug 1, 2022 | $12.89 | $7.94 | -38.4% | ✗ MISS |
Q2 2022 | May 2, 2022 | $12.37 | $14.94 | +20.8% | ✓ BEAT |
Q1 2022 | Jan 31, 2022 | $12.69 | $14.60 | +15.1% | ✓ BEAT |
Q4 2021 | Nov 1, 2021 | $12.02 | $15.79 | +31.4% | ✓ BEAT |
Q3 2021 | Jul 29, 2021 | $10.36 | $17.18 | +65.8% | ✓ BEAT |
Latest News
Credit Acceptance Completes $500M Asset-Backed Financing
📈 PositiveBenzinga•Nov 13, 2025, 09:02 PM
TD Cowen Maintains Sell on Credit Acceptance, Lowers Price Target to $430
📉 NegativeBenzinga•Oct 31, 2025, 06:25 PM
Credit Acceptance Q3 Adj. EPS $10.28 Beats $9.45 Estimate, Sales $582.400M Miss $592.842M Estimate
➖ NeutralBenzinga•Oct 30, 2025, 08:02 PM
Credit Acceptance Announces CEO Kenneth S. Booth To Retire January 31, 2026 And Appoints Vinayak Hegde As Next CEO
➖ NeutralBenzinga•Oct 28, 2025, 12:46 PM
Frequently Asked Questions about CACC
What is CACC's current stock price?
Credit Acceptance Corporation (CACC) is currently trading at $462.11 per share. The stock has moved +1.06% today.
What is the analyst price target for CACC?
The average analyst price target for CACC is $500.00, based on 1 analyst.
What sector is Credit Acceptance Corporation in?
Credit Acceptance Corporation operates in the Financial Services sector, specifically within the Financial - Credit Services industry. The company is traded on the NASDAQ exchange.
What is CACC's market cap?
Credit Acceptance Corporation has a market capitalization of $5.10 billion, making it a mid-cap company.
Does CACC pay dividends?
No, Credit Acceptance Corporation does not currently pay a dividend to shareholders.
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