Credit Acceptance Corporation (CACC) is a publicly traded company in the Financial Services — Financial - Credit Services industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers.
Is Credit Acceptance Corporation stock overvalued or undervalued in 2026?
Credit Acceptance Corporation (CACC) trades at 12.0× earnings (P/E), below the median of the 324 financial services companies over $2bn in Kaplio's universe. At the decade median (15.7×) $716 (+31 %); at its sector median (13.0×) $593 (+9 %).
Kaplio overview: Credit Acceptance Corporation
Market cap $6B · 52 weeks $411 – $657 (17 % below the high) · P/E 12.0× · 2027 expected P/E 9.2× · Dividend none · Next earnings October 29, 2026 · expected EPS $12.86 · Closing price, Oct 28 · accounts published Aug 4.
- Valuation: P/E 12.0× (cheap).
- Business: ROE 32.4 % (excellent).
- Balance sheet: Debt/Equity 3.96 (fragile).
- Earnings: 4 of 8 (uneven).
What would it be worth at its usual multiples?
At the decade median (15.7×) $716 (+31 %); at its sector median (13.0×) $593 (+9 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in financial services: 5 of 6 pass
- Debt / Equity 3.96, fails.
- 5y revenue growth 17.5 %, passes.
- Operating margin 47.6 %, passes.
- ROE 32.4 %, passes.
- FCF / Net Income 248.4 %, passes.
- P/E vs own 5y 12.0×, passes.
Against its peers (reference peers) — Credit Acceptance Corporation: P/E 12.0×; EV/EBITDA 12.0×; ROIC 9.5 %; $5.7B. Nelnet, Inc. (P/E 14.6×; EV/EBITDA 20.1×; ROIC 3.5 %; $4.4B), Navient Corporation SR NT 6% 121543 (P/E —; EV/EBITDA 11.9×; ROIC 88.7 %; $4.3B), FirstCash Holdings, Inc (P/E 19.0×; EV/EBITDA 10.6×; ROIC 9.6 %; $7.6B).
Expensive or cheap against its last ten years?
P/E at each close: today 12.0× · median 15.8× · minimum 6.2× · maximum 29.2× · cheap below 13.5× · expensive above 22.5×. It has been cheaper than today only 16% of the time over its last ten years.
Profitability
| Return on Equity | 32.35% |
| Return on Invested Capital | 9.53% |
| Return on Assets | 5.82% |
| Gross Margin | 89.68% |
| Operating Margin | 43.42% |
| Net Margin | 21.60% |
Financial Health
| Debt / Equity | 3.96 |
| Current Ratio | 21.22 |
| Piotroski F-Score | 9 |
| Altman Z-Score | 0.95 |
Price Performance
| 1 month | +1.45% |
| 3 months | -4.22% |
| Year-to-date | +22.87% |
| 1 year | +18.64% |
| 3 years | +37.23% |
| 5 years | -8.91% |
| 10 years | +195.98% |
Related companies: FCFS · JSM · SLM · NNI
Explore sector: Financial Services · Financial - Credit Services
More sections of CACC: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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