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CACC NASDAQ US

Credit Acceptance Corporation - Common Stock

Financial Services · Financial Services Website · IPO Jun 1992
$416.51
▼ $-3.09 (-0.74%)
Vol 156K
9
Quality Score
ok
Deep Check
2/5 ok
Mkt Cap
$4.9B
P/E
10.8
ROE
27.5%
Margin
19.7%
D/E
403.46
Beta
1.28
52W
$402–$560

Wall Street Consensus

8 analysts · Apr 2026
0
Strong Buy
0
Buy
5
Hold
1
Sell
2
Strong Sell
0.0%
Buy Rating

Price Chart

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Earnings

Beat rate: 0.0%
Quarter EPS Est EPS Act Surprise
Dec 2025 $10.21 $8.92 $-1.29
Sep 2025 $9.64 $9.30 $-0.34
Jun 2025 $9.87 $8.56 $-1.31
Mar 2025 $9.86 $9.35 $-0.51

Quarterly Revenue & Earnings

Quarter 2024-0… 2024-1… 2025-0… 2025-0… 2025-0… 2025-1…
Revenue — $557.7M $562.3M $575.6M $576.4M $573.6M
Net Income — $151.9M $106.3M $87.4M $108.2M $122.0M

Fundamentals Trend

Metric 2025-06-30 2025-09-02 2025-10-02 2025-11-03 2025-12-03 2026-01-02
ROE (TTM) 25.5% 25.5% 25.5% 27.5% 27.5% 27.5%
P/E (TTM) 13.92 12.61 12.44 10.87 11.33 10.78
Net Margin 15.0% 18.7% 18.7% 19.7% 19.7% 19.7%
Gross Margin — — — — — —
D/E Ratio 416.23 416.23 416.23 403.46 403.46 403.46
Current Ratio 0.07 0.07 0.07 0.03 0.03 0.03

Key Ratios

ROA (TTM)
5.1%
P/S (TTM)
2.12
P/B
3.3
EPS (TTM)
$38.18
CF/Share
$26.36
Rev Growth 3Y
+5.2%
52W High
$560.00
52W Low
$401.90
$401.90 52-Week Range $560.00

Financial Health

Free Cash Flow
$268.9M
Net Debt
$6.3B
Cash
$22.8M
Total Debt
$6.4B
As of Dec 31, 2025

How does CACC compare to Financial Services peers?

Peer group: Small-cap Financial Services ($300M+) · 132 companies

CACC ACT ACTG AFRM ALRS

CACC valuation vs Financial Services peers

P/E ratio
10.8
▼ 12% below peers (12.3)
vs Peers
vs Industry
Fair value
P/S ratio
2.1
▼ 35% below peers (3.3)
vs Peers
vs Industry
Pricier
P/B ratio
3.3
▲ 101% above peers (1.6)
vs Peers
vs Industry
Overvalued
Div yield
—
▼ 0% below peers (4.5%)
vs Peers
vs Industry
In line

CACC profitability vs Financial Services peers

ROE
27.5%
▲ 125% above peers (12.3%)
vs Peers
vs Industry
Top tier
Net margin
19.7%
▲ 5% above peers (18.9%)
vs Peers
vs Industry
In line
Gross margin
—
▼ 0% below peers (65.1%)
vs Peers
vs Industry
Top tier
ROA
5.1%
▲ 78% above peers (2.9%)
vs Peers
vs Industry
Below avg

CACC financial health vs Financial Services peers

D/E ratio
403.5
▲ 290% above peers (103.6)
vs Peers
vs Industry
High debt
Current ratio
0.0
▼ 97% below peers (1.2)
vs Peers
vs Industry
Low liquidity
Beta
1.3
▲ 34% above peers (1.0)
vs Peers
vs Industry
More volatile

CACC fundamentals radar

CACC Peer median Industry

CACC profitability vs leverage

Bubble size = market cap · X = net margin · Y = D/E ratio

CACC vs peers: key metrics

Related Signals

Bounce Up SL Hit
$496.54 1.50x Sep 22

Insider Activity

Neutral
Buys
0
Sells
0
MARTIN JAY D.
Chief Financial Officer · Feb 09
3000 shs
BOOTH KENNETH S
Director · Feb 09
2000 shs
MARTIN JAY D.
Chief Financial Officer · Feb 09
4339 shs
LUM JONATHAN
Chief Operating Officer · Feb 09
893 shs
ELLIOTT NICHOLAS J
Officer · Feb 09
2492 shs
BOOTH KENNETH S
Director · Feb 06
3219 shs
RUMMLER WENDY A
Officer · Feb 02
2890 shs
RUMMLER WENDY A
Officer · Feb 02
2890 shs
ULATOWSKI DANIEL A
Officer · Jan 30
589 shs
RUMMLER WENDY A
Officer · Jan 30
5236 shs
Last 90 days

Top Holders

Top 5: 33.61%
Prescott General Partners L…
13.37%
$602.8M
Cerity Partners LLC
7.32%
$330.1M
Ruane, Cunniff & Goldfarb L…
4.99%
$224.9M
Boston Partners
4.25%
$191.4M
Vanguard Group Inc
3.68%
$165.9M
As of Dec 31, 2025

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