Credit Acceptance Corporation
CACC | NASDAQ
$464.89
-$110.89 (-19.26%)
At close: Oct 30, 2026, 3:59 PM ET
$467.99
+$3.10 (+0.67%)
Pre-market:
Nov 2, 2026, 7:44 AM ET
Market Data
Market Cap $4.83B
Enterprise Value $10.9B
Beta 1.40
Average Volume 121.49K
Shares Outstanding (Diluted) 10.42M
Shares Change YoY -9.21%
Institutional Ownership 73.37%
Exchange NASDAQ
ISIN US2253101016
Price Performance
Price Change 1M -12.4%
Price Change 3M -18.3%
Price Change 6M -7.9%
Price Change YTD 4.8%
Price Change 1Y 3.9%
Price Change 3Y 15.5%
Price Change 5Y -22.3%
1M CAGR (ann.) -19.6%
1Y CAGR (ann.) 1.2%
5Y CAGR (ann.) -5.7%
All-Time CAGR 9.7%
Valuation
PE Ratio 15.18
Forward PE 7.57
PEG Ratio -0.82
Forward PEG 0.64
PS Ratio 2.06
Forward PS 2.10
PB Ratio 3.47
P/FCF Ratio 3.84
P/Adj. FCF Ratio 3.98
P/OCF Ratio 3.84
EV/Sales 4.66
EV/EBIT 12.62
EV/EBITDA 12.37
EV/FCF 8.68
Earnings Yield 6.6%
FCF Yield 26.0%
Adj. FCF Yield 25.1%
Financial Health
Net Debt $6.08B
Total Debt $6.72B
Cash & Short-Term Investments $647.3M
Total Assets $8.88B
Current Ratio 13.49
Quick Ratio 13.49
Debt / Equity Ratio 4.84
Debt / EBITDA 7.63
Debt / FCF 5.35
OCF / Debt 0.19
Interest Coverage 2.06
Altman Z-Score 2.20
Piotroski F-Score 6
Margins & Profitability
Gross Profit Margin 80.9%
Operating Profit Margin 38.4%
EBITDA Margin 37.6%
Net Profit Margin 14.4%
FCF Margin 53.6%
Adj. FCF Margin 51.8%
SBC / Revenue 1.9%
SBC Impact (per share) -3.5%
Returns
Return on Assets 3.8%
Return on Equity 22.4%
Return on Invested Capital 8.4%
Return on Capital Employed 10.9%
Return on Tangible Assets 3.8%
Historical Growth (CAGR)
Revenue CAGR 3Y 8.2%
Revenue CAGR 5Y 5.0%
Revenue CAGR 10Y 9.7%
EPS CAGR 3Y 8.0%
EPS CAGR 5Y -10.8%
EPS CAGR 10Y 6.8%
FCF CAGR 3Y 2.2%
FCF CAGR 5Y 2.1%
FCF CAGR 10Y 10.5%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 2
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Feb 1, 2027
EPS Estimate (next Q) $12.87
EPS Growth Est (next Q) 13.4%
Revenue Est (next Q) $606.77M
Revenue Growth Est (next Q) 4.6%
Fair Value Estimates
Graham Number $303.13
Graham Upside -34.8%
Lynch Fair Value $153.10
Lynch Upside -67.1%
Price Target $500.00
Price Target Upside 7.6%
Cash Flow
Operating Cash Flow $1.26B
Free Cash Flow $1.26B
Adj. Free Cash Flow $1.21B
FCF Per Share $120.61
OCF Per Share $121.07
OCF/S Ratio 53.8%
Income Statement
Revenue $2.34B
Gross Profit $1.89B
Operating Income $899.7M
EBITDA $881.3M
Net Income $337.1M
EPS (Diluted) $30.62
Revenue / Employee $1.01M
Profit / Employee $145.68K
Employees 2,314
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