CACC
Credit Acceptance Corporation
$608.95
-8.83
(-1.43%)
Mkt Cap
6.46B
Volume
58,953
52W Range
401.9-668.86
Sector
Financial Services
Beta
1.36
EPS (TTM)
40.99
P/E Ratio
15.08
Revenue (TTM)
2.31B
Rev Growth (5Y)
+6.8%
EPS Growth (5Y)
+10.2%
AlphaVal · Fair Value
What we estimate one share is worth
$945.79
Undervalued
moderate signal
34.7% below fair value
Modeled from cash flows & growth.
AlphaQuality · Grade
How strong & durable the business is
C+
Platform & Compounding FCF
57.0 / 100 composite
A platform business that compounds free cash flow — graded A–F vs. similar companies.
Company Description
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. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.
Track Record
Showing latest 4 periods • Swipe for more
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2.32B | 2.13B | 1.88B | 1.82B | 1.85B | 1.67B | 1.48B | 1.28B | 1.11B | 965.20M | 823.60M | 722.00M |
| Net Income | 423.90M | 247.90M | 286.10M | 535.80M | 958.30M | 421.00M | 656.10M | 574.00M | 470.20M | 332.80M | 299.70M | 266.20M |
| EPS | 38.26 | 20.12 | 22.09 | 39.50 | 59.57 | 23.57 | 34.71 | 29.52 | 24.12 | 16.37 | 14.35 | 11.96 |
| Free Cash Flow | 1.05B | 1.14B | 1.20B | 1.24B | 1.06B | 976.70M | 785.50M | 678.80M | 557.60M | 501.70M | 400.20M | 360.90M |
| FCF / Share | 95.05 | 92.19 | 92.62 | 91.09 | 66.01 | 54.69 | 41.56 | 34.91 | 28.60 | 24.68 | 19.16 | 16.22 |
| Operating CF | 1.05B | 1.14B | 1.20B | 1.24B | 1.07B | 985.20M | 812.30M | 703.90M | 566.00M | 507.20M | 404.20M | 365.20M |
| Total Assets | 9.60B | 9.74B | 8.39B | 7.63B | 7.05B | 7.49B | 7.42B | 6.24B | 4.99B | 4.22B | 3.39B | 2.79B |
| Total Debt | 6.35B | 6.35B | 5.07B | 4.59B | 4.62B | 4.70B | 4.54B | 3.82B | 3.07B | 2.60B | 2.08B | 1.75B |
| Cash & Equiv | 500.70M | 845.00M | 470.90M | 417.70M | 23.30M | 16.00M | 187.40M | 25.70M | 8.20M | 14.60M | 6.30M | 6.40M |
| Book Value | 1.52B | 1.75B | 1.75B | 1.62B | 1.82B | 2.30B | 2.36B | 1.99B | 1.54B | 1.17B | 928.10M | 702.20M |
| Return on Equity | 0.28 | 0.14 | 0.16 | 0.33 | 0.53 | 0.18 | 0.28 | 0.29 | 0.31 | 0.28 | 0.32 | 0.38 |
| Metric | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 580.00M | 579.90M | 576.40M | 575.60M | 562.30M | 557.70M | 543.60M | 531.30M | 501.70M | 485.40M | 472.80M | 472.60M |
| Net Income | 135.80M | 122.00M | 108.20M | 87.40M | 106.30M | 151.90M | 78.80M | (47.10M) | 64.30M | 93.60M | 70.80M | 22.20M |
| EPS | 12.64 | 11.18 | 9.62 | 7.55 | 8.79 | 12.33 | 6.42 | -3.83 | 5.15 | 7.33 | 5.47 | 1.70 |
| Free Cash Flow | 345.50M | 268.90M | 298.80M | 139.40M | 345.90M | 305.50M | 317.30M | 203.60M | 309.70M | 309.50M | 313.50M | 281.20M |
| FCF / Share | 32.17 | 24.65 | 26.56 | 12.04 | 28.61 | 24.93 | 25.85 | 16.58 | 24.81 | 24.23 | 24.24 | 21.55 |
| Operating CF | 346.80M | 269.30M | 299.40M | 139.70M | 346.20M | 306.20M | 317.70M | 204.00M | 310.00M | 311.20M | 313.40M | 282.70M |
| Total Assets | 8.69B | 9.60B | 8.64B | 8.72B | 9.26B | 9.74B | 8.68B | 8.26B | 8.10B | 8.39B | 7.40B | 7.21B |
| Total Debt | 6.41B | 6.35B | 6.37B | 6.47B | 6.71B | 6.35B | 6.25B | 5.95B | 5.61B | 5.07B | 4.94B | 4.75B |
| Cash & Equiv | 25.70M | 500.70M | 15.90M | 563.80M | 1.12B | 845.00M | 159.70M | 517.60M | 567.60M | 470.90M | 438.20M | 3.20M |
| Book Value | 1.51B | 1.52B | 1.58B | 1.55B | 1.71B | 1.75B | 1.65B | 1.55B | 1.65B | 1.75B | 1.70B | 1.75B |
| Return on Equity | 0.09 | 0.08 | 0.07 | 0.06 | 0.06 | 0.09 | 0.05 | -0.03 | 0.04 | 0.05 | 0.04 | 0.01 |
CACC News
Subprime Auto Loans Just Hit Their Worst Delinquency Rate in 32 Years. Here's What It Means for Lenders.
Here's Why Credit Acceptance (CACC) is a Strong Momentum Stock
3 Consumer Loan Stocks Poised to Gain From Improving Industry Dynamics
Credit Acceptance Announces Appointment of Joe Billante as Chief Financial Officer; Jay Martin to Retire After More Than Two Decades of Service
Credit Acceptance Announces Extension of Revolving Secured Line of Credit Facility
Is It Too Late to Buy Credit Acceptance Corp (CACC) After 3.3% Rally? GF Value Says Undervalued
Credit Acceptance (CACC) Up 0.3% Since Last Earnings Report: Can It Continue?
Why Credit Acceptance (CACC) is a Top Momentum Stock for the Long-Term
Credit Acceptance (CACC) Upgraded to Buy: What Does It Mean for the Stock?
CACC Q1 Earnings Beat as Revenues Grow Y/Y & Provisions Decline