Wall Street analyst estimates for Credit Acceptance Corporation (CACC): consensus price target and buy/hold/sell recommendations.
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.
Analyst Consensus
| Strong Buy | 0 |
| Buy | 0 |
| Hold | 12 |
| Sell | 6 |
| Strong Sell | 0 |
| Total analysts | 18 |
| Avg rating (−2 sell to +2 buy) | -0.33 |
Recent Earnings Surprises
| Date | EPS Actual | EPS Est. | vs Est. |
|---|---|---|---|
| 2026-10-29 | $12.86 | ||
| 2026-08-04 | $12.12 | $12.20 | -0.7% |
| 2026-05-05 | $10.71 | $10.61 | +0.9% |
| 2026-01-29 | $11.35 | $10.30 | +10.2% |
| 2025-10-30 | $10.28 | $9.87 | +4.2% |
| 2025-07-31 | $8.56 | $9.84 | -13.0% |
| 2025-04-30 | $8.66 | $10.31 | -16.0% |
| 2025-01-30 | $12.26 | $7.70 | +59.2% |
Valuation Ratios
| P/E Ratio | 11.98 |
| Price / Book | 3.59 |
| EV / EBITDA | 11.97 |
| Dividend Yield | 0.00% |
Income Statement (10y)
| Year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $965.2M | $1.11B | $1.28B | $1.48B | $1.67B | $1.85B | $1.82B | $1.88B | $2.13B | $2.32B |
| Cost of Revenue | $250.2M | $283.0M | $350.4M | $419.6M | $416.4M | $421.1M | $475.0M | $617.4M | $802.2M | $29.0M |
| Gross Profit | $715.0M | $824.2M | $929.6M | $1.06B | $1.25B | $1.43B | $1.35B | $1.26B | $1.33B | $2.29B |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General & Admin | $97.6M | $113.9M | $123.4M | $135.3M | $139.1M | $165.6M | $164.3M | $178.9M | $192.3M | 0 |
| Operating Expenses | $187.8M | $243.2M | $180.3M | $211.7M | $1.25B | $174.0M | $645.7M | $915.1M | $1.01B | $1.18B |
| Operating Income | $527.2M | $581.0M | $749.3M | $848.1M | 0 | $1.26B | $702.3M | $347.3M | $325.1M | $1.10B |
| EBITDA | $542.5M | $597.4M | $768.8M | $870.5M | $576.6M | $1.28B | $727.9M | $373.9M | $352.9M | $1.05B |
| Interest Expense | $97.7M | $120.2M | $156.6M | $196.2M | 0 | 0 | 0 | 0 | 0 | $462.9M |
| Pre-tax Income | $531.2M | $583.8M | $755.1M | $855.9M | $549.5M | $1.26B | $711.7M | $367.6M | $329.5M | $565.4M |
| Income Tax | $198.4M | $113.6M | $181.1M | $199.8M | $128.5M | $302.6M | $175.9M | $81.5M | $81.6M | $141.5M |
| Net Income | $332.8M | $470.2M | $574.0M | $656.1M | $421.0M | $958.3M | $535.8M | $286.1M | $247.9M | $423.9M |
| EPS | $16.37 | $24.12 | $29.52 | $34.71 | $23.57 | $59.57 | $39.50 | $22.09 | $20.12 | $38.26 |
| EPS (Diluted) | $16.31 | $24.04 | $29.39 | $34.57 | $23.47 | $59.52 | $39.32 | $21.99 | $19.88 | $37.55 |
| Shares Outstanding (Diluted) | 20.4 M | 19.6 M | 19.5 M | 19.0 M | 17.9 M | 16.1 M | 13.6 M | 13.0 M | 12.5 M | 11.3 M |
Price
| Price | $544.90 (closing price, October 28, 2026) |
| Market Cap | $5.7B |
| Exchange | NASDAQ |
| Country | US |
Related companies: FCFS · JSM · SLM · NNI
Explore sector: Financial Services · Financial - Credit Services
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