Credit Acceptance Corporation CACC
Composite 66/100; the shares have moved about 36% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Its least supportive area is Income at 50 — still above average.
Quality ranks 74/100 — a moderate point in its favour. Valuation ranks 72/100 — a moderate point in its favour. Growth ranks 69/100 — a moderate point in its favour.
Its least supportive area is Income at 50 — still above average.
What the company does Credit Acceptance Corporation (CACC) provides financing programs to U.S. automobile dealers, advancing funds in exchange for servicing consumer loans and purchasing loans outright. It also reinsures vehicle service contracts sold to consumers. The company serves both independent and franchised dealers, primarily in the subprime auto lending segment.
Key financials CACC reports strong profitability metrics: ROE 28.1%, ROA 5.1%, and ROCE 9.7%. Gross, operating, and net margins stand at 94.4%, 52.7%, and 35.5%, respectively. Revenue and EPS growth are 12.7% and 43.2%, with a Piotroski F-Score of 8/9 and Altman Z-score of 2.37. Debt/Equity is 4.23, and the current ratio is 3.87.
Stock health Momentum is mixed: 12.45% (3m), 25.82% (6m), and 12.53% (12m), but -15.11% below the 52-week high. RSI(14) is 39.90, indicating neutral momentum. Sideravia scores highlight strong quality (79.6) but weaker strength (52.2) and income (50.0).
Price vs fair value The stock trades at a **discount** of 23.90% to our fair-value estimate and a **discount** of 10.67% to the analyst 12-month target. - Fair-value gap persists amid leadership changes (Simply Wall St., 2026-07-29). - Caution in subprime auto lending weighs on sentiment (Simply Wall St., 2026-07-29). - StockStory flags headwinds for CACC compared to peers (StockStory, 2026-07-27).
Looking forward Forward P/E of 12.11 and PEG of 0.66 suggest undemanding valuation, but macro sensitivity and regulatory risks remain key watchpoints. Analysts (n=3) see 10.67% upside to their 628.33 target.
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Data as of 2026-09-03, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.