CACC
Credit Acceptance Corporation
$544.80
-3.18
(-0.58%)
Mkt Cap
5.70B
Volume
64,073
52W Range
401.9-565.14
Sector
Financial Services
Beta
1.36
EPS (TTM)
40.99
P/E Ratio
13.29
Revenue (TTM)
2.31B
Rev Growth (5Y)
+6.8%
EPS Growth (5Y)
+10.2%
AlphaVal · Fair Value
$945.79
Undervalued · Strong
42.4% below fair value
AlphaQuality · Grade
C+
Platform & Compounding FCF
57.0 / 100 composite
Company Description
Credit Acceptance Corporation provides financing programs, and related products and services to independent and franchised automobile dealers in the United States. The company advances money to dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps various amounts collected from the consumers. It is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. 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 | N/A | N/A |
| FCF / Share | 95.05 | 92.19 | 92.62 | 91.09 | 66.01 | 54.69 | 41.56 | 34.91 | 28.60 | 24.68 | N/A | N/A |
| Operating CF | 1.05B | 1.14B | 1.20B | 1.24B | 1.07B | 985.20M | 812.30M | 703.90M | 566.00M | 507.20M | N/A | N/A |
| Total Assets | 9.60B | 9.74B | 8.39B | 7.63B | 7.05B | 7.49B | 7.42B | 6.24B | 4.99B | 4.22B | N/A | N/A |
| Total Debt | 6.35B | 6.35B | 5.07B | 4.59B | 4.62B | 4.70B | 4.54B | 3.82B | 3.07B | 2.60B | N/A | N/A |
| Cash & Equiv | 500.70M | 845.00M | 470.90M | 417.70M | 23.30M | 16.00M | 187.40M | 25.70M | 8.20M | 14.60M | N/A | N/A |
| Book Value | 1.52B | 1.75B | 1.75B | 1.62B | 1.82B | 2.30B | 2.36B | 1.99B | 1.54B | 1.17B | N/A | N/A |
| Return on Equity | 0.28 | 0.14 | 0.16 | 0.33 | 0.53 | 0.18 | 0.28 | 0.29 | 0.31 | 0.28 | N/A | N/A |
| 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
Credit Acceptance (CACC) Upgraded to Buy: What Does It Mean for the Stock?
CACC Q1 Earnings Beat as Revenues Grow Y/Y & Provisions Decline
Credit Acceptance Corporation (CACC) Q1 2026 Earnings Call Transcript
Credit Acceptance Announces First Quarter 2026 Results
Credit Acceptance Announces Completion Of $450.0 Million Asset-Backed Financing
A Look at Credit Acceptance Corp (CACC) After 3.1% Decline -- GF Value $611.88 vs Price $500.62
Credit Acceptance Announces Timing of First Quarter 2026 Earnings Release and Webcast
Credit Acceptance Announces Robert Bourrier as Chief Sales Officer
Credit Acceptance Corp (CACC) Stock Down 3.9% -- Now Undervalued? GF Score: 78/100
A Look at Credit Acceptance Corp (CACC) After 6.8% Gain -- GF Value $607.45 vs Price $527.56