Is CACC a good stock to buy right now?

Based on our 6-factor quantitative model, CREDIT ACCEPTANCE CORP (CACC) receives a "Hold" rating with a composite score of 52.6/100. It is ranked #1,574 out of 4,446 stocks. Key factor scores: Quality 73/100, Value 79/100, Momentum 35/100. The timing signal is "Bearish". This is quantitative analysis only — not investment advice.

What is the stock rating for CACC?

CREDIT ACCEPTANCE CORP (CACC) has a "Hold" rating and 3-star score. The composite score of 52.6 ranks it #1,574 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is CACC in?

CREDIT ACCEPTANCE CORP operates in the Financials sector (Banking industry) with a market cap of $4.51 billion. It is classified as a mid-cap stock.

Does CACC pay a dividend?

CACC does not currently pay a regular dividend. The company may be reinvesting profits for growth.

What is CACC's P/E ratio?

CACC has a trailing P/E ratio of 12.56x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is CACC?

CACC's quality factor score is 73/100. Gross margin: 0.0%. ROE: 25.0% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is CACC valued compared to peers?

CACC's value factor score is 79/100 (higher = cheaper). Key multiples: P/E 12.6x, EV/EBITDA 2.8x. The stock appears attractively valued versus peers.

What is CACC's debt level?

CACC's debt-to-equity ratio is 467%. Sector average: 121%. Elevated leverage increases credit risk.

CACC has a beta of 1.09, meaning it tracks the market. Stability score: 56/100.

Does CACC have high short interest?

CACC's short interest factor score is 16/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

CACC Stock Analysis: Top Mid-Cap Hold (Score 52.6/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
CACC	-0.81%	+11.68%	-6.86%	+4.89%	-6.20%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-0.75%	+8.07%	-7.20%	+5.25%	-35.72%	-	-	-
Alpha vs Sector	+0.28%	+9.17%	-8.28%	+12.19%	-16.78%	-	-	-

Metric	CACC	Benchmark
P/E Ratio	12.6x	-16%
EV/EBITDA	2.8x	-15%
Price / Book	3.1x	+157%

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	9.2x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	11.0x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.8x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	10.0x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.9x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	13.0x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.4x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	10.0x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	13.2x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
CACC CREDIT ACCEPTANCE CORP	53	73	79	35	12.6x	25.0%	0.0%	16.6%	8.2%	467.0x	$4.5B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	0.0%	-	-	-	0.0%	0.0%	0.0%	-0.1%	0.0%
Operating Margin %	0.8%	0.7%	1.0%	0.8%	0.4%	0.7%	1.0%	1.0%	1.0%	1.1%	1.0%
EBITDA Margin %	0.8%	0.7%	0.2%	0.8%	0.4%	0.7%	0.3%	0.6%	0.6%	0.6%	0.6%
Net Margin %	0.2%	0.2%	0.1%	0.2%	0.3%	0.5%	0.3%	0.5%	0.4%	0.5%	0.3%
FCF Margin %	2.4%	-	52.5%	-	-	-	58.8%	52.8%	52.8%	56.3%	51.8%
ROE %	0.2%	0.3%	0.1%	0.2%	0.3%	0.5%	0.2%	0.3%	0.3%	0.3%	0.3%
ROA %	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%
ROIC %	17.3%	89.0%	22.0%	65.0%	34.6%	54.6%	19.0%	17.5%	17.6%	19.1%	20.3%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

-0.1%

0.0%

Operating Margin %

0.8%

0.7%

1.0%

0.8%

0.4%

0.7%

1.0%

1.1%

1.0%

EBITDA Margin %

0.8%

0.7%

0.2%

0.8%

0.4%

0.7%

0.3%

0.6%

Net Margin %

0.2%

0.1%

0.2%

0.3%

0.5%

0.3%

0.5%

0.4%

0.5%

0.3%

FCF Margin %

2.4%

52.5%

58.8%

52.8%

56.3%

51.8%

ROE %

0.2%

0.3%

0.1%

0.2%

0.3%

0.5%

0.2%

0.3%

ROA %

0.0%

0.1%

ROIC %

17.3%

89.0%

22.0%

65.0%

34.6%

54.6%

19.0%

17.5%

17.6%

19.1%

20.3%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$2.3B	$2.3B	$2.2B	$1.9B	$1.8B	$1.9B	$1.7B	$1.5B	$1.3B	$990M	$969M	$825M
	—	—	$0	—	—	—	$0	$0	$0	-$120M	$0	$0
Gross Margin	0.0%	---	0.0%	---	---	---	0.0%	0.0%	0.0%	-12.1%	0.0%	0.0%
	—	—	$28M	—	—	—	$24M	$22M	$20M	$16M	$15M	$14M
Total Operating Expenses	—	$600M	—	$459M	$1.1B	$595M	—	—	—	—	—	—
	$1.7B	$1.7B	$2.2B	$1.4B	$712M	$1.3B	$1.7B	$1.5B	$1.3B	$1.1B	$969M	$825M
EBIT	$1.7B	$1.7B	$2.2B	$1.4B	$712M	$1.3B	$1.7B	$1.5B	$1.3B	$1.1B	$969M	$825M
EBITDA	$1.7B	$1.7B	$357M	$1.4B	$712M	$1.3B	$573M	$878M	$775M	$600M	$547M	$489M
Operating Margin	75.2%	74.1%	100.0%	75.9%	38.8%	67.9%	100.0%	100.0%	100.0%	112.1%	100.0%	100.0%
EBITDA Margin	75.2%	74.1%	16.5%	75.9%	38.8%	67.9%	34.5%	59.1%	60.2%	60.6%	56.4%	59.2%
	—	$463M	$0	$267M	$167M	$164M	$0	$0	$0	$120M	$0	$0
	—	$565M	—	$368M	$712M	$1.3B	—	—	—	—	—	—
Income Tax Expense	—	$142M	$82M	$82M	$176M	$303M	$129M	$200M	$181M	$114M	$198M	$175M
	$381M	$424M	$248M	$286M	$536M	$958M	$421M	$656M	$574M	$470M	$333M	$300M
Net Margin	16.6%	18.3%	11.5%	15.0%	29.2%	51.6%	25.3%	50.7%	44.6%	47.5%	34.3%	36.3%
	$37.02	$37.02	$20.12	$22.09	$39.50	$59.57	$23.57	$34.71	$29.52	$24.12	$16.37	$14.35
Diluted EPS	$37.02	$36.38	$20.12	$21.99	$39.32	$59.52	$23.57	$34.71	$29.52	$24.12	$16.37	$14.35
Weighted Avg Basic	—	11M	—	13M	14M	16M	—	—	—	—	—	—
Weighted Avg Diluted	—	12M	—	13M	14M	16M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$2.3B

$2.2B

$1.9B

$1.8B

$1.9B

$1.7B

$1.5B

$1.3B

$990M

$969M

$825M

—

-$120M

Gross Margin

0.0%

---

0.0%

---

0.0%

-12.1%

0.0%

—

$28M

—

$24M

$22M

$20M

$16M

$15M

$14M

Total Operating Expenses

—

$600M

—

$459M

$1.1B

$595M

—

$1.7B

$2.2B

$1.4B

$712M

$1.3B

$1.7B

$1.5B

$1.3B

$1.1B

$969M

$825M

EBIT

$1.7B

$2.2B

$1.4B

$712M

$1.3B

$1.7B

$1.5B

$1.3B

$1.1B

$969M

$825M

EBITDA

$1.7B

$357M

$1.4B

$712M

$1.3B

$573M

$878M

$775M

$600M

$547M

$489M

Operating Margin

75.2%

74.1%

100.0%

75.9%

38.8%

67.9%

100.0%

112.1%

100.0%

EBITDA Margin

75.2%

74.1%

16.5%

75.9%

38.8%

67.9%

34.5%

59.1%

60.2%

60.6%

56.4%

59.2%

—

$463M

$267M

$167M

$164M

$120M

—

$565M

—

$368M

$712M

$1.3B

—

Income Tax Expense

—

$142M

$82M

$176M

$303M

$129M

$200M

$181M

$114M

$198M

$175M

$381M

$424M

$248M

$286M

$536M

$958M

$421M

$656M

$574M

$470M

$333M

$300M

Net Margin

16.6%

18.3%

11.5%

15.0%

29.2%

51.6%

25.3%

50.7%

44.6%

47.5%

34.3%

36.3%

$37.02

$20.12

$22.09

$39.50

$59.57

$23.57

$34.71

$29.52

$24.12

$16.37

$14.35

Diluted EPS

$37.02

$36.38

$20.12

$21.99

$39.32

$59.52

$23.57

$34.71

$29.52

$24.12

$16.37

$14.35

Weighted Avg Basic

—

11M

—

13M

14M

16M

—

Weighted Avg Diluted

—

12M

—

13M

14M

16M

—

CREDIT ACCEPTANCE CORP (CACC) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does CREDIT ACCEPTANCE CORP Do?

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. CREDIT ACCEPTANCE CORP (CACC) is classified as a mid-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Kenneth S. Booth and employs approximately 2,250 people, headquartered in SOUTHFIELD, Michigan. With a market capitalization of $4.5B, CACC is one of the notable companies in the Financials sector.

CREDIT ACCEPTANCE CORP (CACC) Stock Rating — Hold (April 2026)

As of April 2026, CREDIT ACCEPTANCE CORP receives a Hold rating with a composite score of 52.6/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.CACC ranks #1,574 out of 4,446 stocks in our coverage universe. Within the Financials sector, CREDIT ACCEPTANCE CORP ranks #479 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

CACC Stock Price and 52-Week Range

CREDIT ACCEPTANCE CORP (CACC) currently trades at $465.15. The stock lost $3.82 (0.8%) in the most recent trading session. The 52-week high for CACC is $549.75, which means the stock is currently trading -15.4% from its annual peak. The 52-week low is $401.90, putting the stock 15.7% above its annual trough. Recent trading volume was 90K shares, suggesting relatively thin trading activity.

Is CACC Overvalued or Undervalued? — Valuation Analysis

CREDIT ACCEPTANCE CORP (CACC) carries a value factor score of 79/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 12.56x, compared to the Financials sector average of 14.88x — a discount of 16%. The price-to-book ratio stands at 3.14x, versus the sector average of 1.22x. The price-to-sales ratio is 2.09x, compared to 0.90x for the average Financials stock. On an enterprise value basis, CACC trades at 2.78x EV/EBITDA, versus 3.26x for the sector.

Based on these multiples, CREDIT ACCEPTANCE CORP appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.

CREDIT ACCEPTANCE CORP Profitability — ROE, Margins, and Quality Score

CREDIT ACCEPTANCE CORP (CACC) earns a quality factor score of 73/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 25.0%, compared to the Financials sector average of 8.5%, which demonstrates strong shareholder value creation. Return on assets (ROA) comes in at 4.4% versus the sector average of 1.2%.

On a margin basis, CREDIT ACCEPTANCE CORP reports gross margins of 0.0%. The operating margin is 75.2% (sector: 21.8%). Net profit margin stands at 16.6%, versus 17.7% for the average Financials stock. Revenue growth is running at 8.2% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

CACC Debt, Balance Sheet, and Financial Health

CREDIT ACCEPTANCE CORP has a debt-to-equity ratio of 467.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.21x, suggesting adequate working capital coverage. Total debt on the balance sheet is $6.37B. Cash and equivalents stand at $16M.

CACC has a beta of 1.09, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for CREDIT ACCEPTANCE CORP is 56/100, reflecting average volatility within the normal range for its sector.

CREDIT ACCEPTANCE CORP Revenue and Earnings History — Quarterly Trend

In TTM 2026, CREDIT ACCEPTANCE CORP reported revenue of $2.29B and earnings per share (EPS) of $37.02. Net income for the quarter was $381M. Gross margin was 0.0%. Operating income came in at $1.72B.

In FY 2025, CREDIT ACCEPTANCE CORP reported revenue of $2.32B and earnings per share (EPS) of $37.02. Net income for the quarter was $424M. Revenue grew 7.2% year-over-year compared to FY 2024. Operating income came in at $1.72B.

In Q3 2025, CREDIT ACCEPTANCE CORP reported revenue of $582M and earnings per share (EPS) of $9.62. Net income for the quarter was $108M. Revenue grew 5.8% year-over-year compared to Q3 2024. Operating income came in at $436M.

In Q2 2025, CREDIT ACCEPTANCE CORP reported revenue of $584M and earnings per share (EPS) of $7.55. Net income for the quarter was $87M. Revenue grew 8.5% year-over-year compared to Q2 2024. Operating income came in at $428M.

Over the past 8 quarters, CREDIT ACCEPTANCE CORP has demonstrated a growth trajectory, with revenue expanding from $538M to $2.29B. Investors analyzing CACC stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

CACC Dividend Yield and Income Analysis

CREDIT ACCEPTANCE CORP (CACC) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

CACC Momentum and Technical Analysis Profile

CREDIT ACCEPTANCE CORP (CACC) has a momentum factor score of 35/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 30/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 16/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

CACC vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, CREDIT ACCEPTANCE CORP (CACC) ranks #479 out of 891 stocks based on the Blank Capital composite score. This places CACC in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing CACC against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full CACC vs S&P 500 (SPY) comparison to assess how CREDIT ACCEPTANCE CORP stacks up against the broader market across all factor dimensions.

CACC Next Earnings Date

No upcoming earnings date has been announced for CREDIT ACCEPTANCE CORP (CACC) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy CACC? — Investment Thesis Summary

CREDIT ACCEPTANCE CORP presents a balanced picture with arguments on both sides. The quality score of 73/100 indicates above-average profitability and business fundamentals. The value score of 79/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 35/100, a headwind for near-term performance.

In summary, CREDIT ACCEPTANCE CORP (CACC) earns a Hold rating with a composite score of 52.6/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on CACC stock.

Related Resources for CACC Investors

Explore more research and tools: CACC vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare CACC head-to-head with peers: CACC vs WTM, CACC vs OPY, CACC vs ACT.

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CREDIT ACCEPTANCE CORP (CACC) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does CREDIT ACCEPTANCE CORP Do?

CREDIT ACCEPTANCE CORP (CACC) Stock Rating — Hold (April 2026)

CACC Stock Price and 52-Week Range

Is CACC Overvalued or Undervalued? — Valuation Analysis

CREDIT ACCEPTANCE CORP Profitability — ROE, Margins, and Quality Score

CACC Debt, Balance Sheet, and Financial Health

CREDIT ACCEPTANCE CORP Revenue and Earnings History — Quarterly Trend

CACC Dividend Yield and Income Analysis

CACC Momentum and Technical Analysis Profile

CACC vs Competitors — Financials Sector Ranking and Peer Comparison

CACC Next Earnings Date

Should You Buy CACC? — Investment Thesis Summary

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