CACC
Credit Acceptance Corporation
$594.89
-5.59
(-0.93%)
Mkt Cap
6.22B
Volume
145,564
52W Range
401.9-668.86
Sector
Financial Services
Beta
1.35
EPS (TTM)
46.41 USD
P/E Ratio
12.82
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
63.8% 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
Credit Acceptance Announces Completion Of $600.0 Million Asset-Backed Financing
Bank of America Corp DE Boosts Stock Position in Credit Acceptance Corporation $CACC
Credit Acceptance Named One of PEOPLE Magazine's 100 Companies That Care® for Fifth Consecutive Year
Credit Acceptance Announces New Chief Technology Officer to Advance Digital-First, AI-Enabled Business Evolution
All You Need to Know About Credit Acceptance (CACC) Rating Upgrade to Buy
CACC Q2 Earnings Beat as Expenses & Provisions Decline, Revenues Rise
Credit Acceptance Q2 Earnings Call Highlights
Credit Acceptance Corporation (CACC) Q2 2026 Earnings Call Transcript
Credit Acceptance Announces Second Quarter 2026 Results
Credit Acceptance Announces Timing of Second Quarter 2026 Earnings Release and Webcast