CACC
Credit Acceptance Corporation
$545.96
-2.16
(-0.39%)
Mkt Cap
5.71B
Volume
78,369
52W Range
401.9-668.86
Sector
Financial Services
Beta
1.40
EPS (TTM)
46.41 USD
P/E Ratio
11.76
Revenue (TTM)
2.32B USD
Rev Growth (5Y)
+6.8%
EPS Growth (5Y)
+10.2%
AlphaVal · Fair Value
What we estimate one share is worth
$1,641.72
Undervalued
strong signal
66.7% below fair value
Modeled from cash flows & growth.
AlphaQuality · Grade
How strong & durable the business is
B-
Platform & Compounding FCF
64.0 / 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 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 587.40M | 580.00M | 579.90M | 576.40M | 575.60M | 562.30M | 557.70M | 543.60M | 531.30M | 501.70M | 485.40M | 472.80M |
| Net Income | 135.90M | 135.80M | 122.00M | 108.20M | 87.40M | 106.30M | 151.90M | 78.80M | (47.10M) | 64.30M | 93.60M | 70.80M |
| EPS | 12.97 | 12.64 | 11.18 | 9.62 | 7.55 | 8.79 | 12.33 | 6.42 | -3.83 | 5.15 | 7.33 | 5.47 |
| Free Cash Flow | 307.90M | 345.50M | 268.90M | 298.80M | 139.40M | 345.90M | 305.50M | 317.30M | 203.60M | 309.70M | 309.50M | 313.50M |
| FCF / Share | 29.38 | 32.17 | 24.65 | 26.56 | 12.04 | 28.61 | 24.93 | 25.85 | 16.58 | 24.81 | 24.23 | 24.24 |
| Operating CF | 309.50M | 346.80M | 269.30M | 299.40M | 139.70M | 346.20M | 306.20M | 317.70M | 204.00M | 310.00M | 311.20M | 313.40M |
| Total Assets | 8.62B | 8.69B | 9.60B | 8.64B | 8.72B | 9.26B | 9.74B | 8.68B | 8.26B | 8.10B | 8.39B | 7.40B |
| Total Debt | 6.29B | 6.41B | 6.35B | 6.37B | 6.47B | 6.71B | 6.35B | 6.25B | 5.95B | 5.61B | 5.07B | 4.94B |
| Cash & Equiv | 1.40M | 25.70M | 500.70M | 15.90M | 563.80M | 1.12B | 845.00M | 159.70M | 517.60M | 567.60M | 470.90M | 438.20M |
| Book Value | 1.59B | 1.51B | 1.52B | 1.58B | 1.55B | 1.71B | 1.75B | 1.65B | 1.55B | 1.65B | 1.75B | 1.70B |
| Return on Equity | 0.09 | 0.09 | 0.08 | 0.07 | 0.06 | 0.06 | 0.09 | 0.05 | -0.03 | 0.04 | 0.05 | 0.04 |
CACC News
Fortune Media and Great Place To Work® Name Credit Acceptance to 2026 Best Workplaces in Financial Services™ List for the 12th Consecutive Year
CREDIT ACCEPTANCE CORPORATION INVESTOR ALERT: Scott+Scott Attorneys at Law LLP Investigates Credit Acceptance Corporation's Directors and Officers for Breach of Fiduciary Duties – CACC
Credit Acceptance Announces Shannon Wilson as Chief Human Resources Officer
What's Next for CACC After Its Multistate Lending Settlement?
Credit Acceptance Reaches Resolution With State Attorneys General
Credit Acceptance Corporation $CACC Shares Sold by Engineers Gate Manager LP
Credit Acceptance Announces Extension of Revolving Secured Warehouse Facility and Extension of $500.0 Million Asset-Backed Financing
Is the Options Market Predicting a Spike in Credit Acceptance Stock?
Bank of New York Mellon Corp Buys Shares of 30,384 Credit Acceptance Corporation $CACC
Credit Acceptance Announces Completion Of $600.0 Million Asset-Backed Financing