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Credit Acceptance Corporation CACC R3KFINANCIAL

Financial Services · Credit Services · United States
https://www.creditacceptance.com
Company Profile ↓
$593.78
+21.65% 1Y
Mkt Cap$6.21B
P/E13.11
P/B3.90
52W High$657.20
52W Low$411.04
Book Value$153.13
EPS (TTM)$45.29

Company Overview

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.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 31.9%, reflecting efficient use of shareholder capital.

Steady Revenue Expansion

Revenue has grown at a 11.9% CAGR over the past five years.

Reasonable Valuation

Trades at an undemanding P/E of 13.1.

Healthy Margins

Maintains a net profit margin of 38.5%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $2.32B (+7.2% YoY); net profit $423.90M.
  • Trailing 12 Months Year-on-year growth — revenue +9.5%, earnings +70.6%.
  • 5-Year Trend Long-term compounding — revenue CAGR 11.9%, profit CAGR 6.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:11.95%
1 Year:9.50%

Compounded Profit Growth

5 Years:6.88%
1 Year:70.60%

Stock Price Performance

1 Year:+21.65%
6 Months:+18.39%
3 Months:+5.53%
1 Month:+1.40%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 74% of range
$411.04 $657.20
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)50.04 · Neutral
Price Performance
1M+1.40%
3M+5.53%
6M+18.39%
1Y+21.65%
Valuation vs Sector

P/E of 13.11 is above the sector median of 12.89 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Strong return on equity of 31.9%.
  • Excellent profit margin of 38.5%.
  • Compounding revenue at 11.9% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
13.11
Industry PE
12.89
Forward P/E
10.83
PEG Ratio
1.77
Book Value
$153.13
Price to Book
3.90
P/S
4.79
EV/EBITDA
-
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
11.95%
Profit 5Y
6.88%
Revenue (YoY)
9.50%
Earnings (YoY)
70.60%

Profitability & Returns

ROCE
-
ROE
31.93%
ROA
5.79%
Profit Margin
38.51%
Op Margin
52.56%
Gross Margin
94.65%
EPS (Latest Qtr)
$12.66
EPS (TTM)
$45.29

Balance Sheet & Liquidity

Debt/Equity
3.96
Quick Ratio
4.55
Current Ratio
4.83
Debt
$6.29B
Total Assets
$8.62B
Current Assets
$8.54B
Working Capital
$8.13B

Ownership

Promoter Holding
46.08%
Chg in Prom Hold
-7.17%
FII / Inst Holding
76.48%
Chg in FII Hold
-0.12%

Financial Snapshot

Enterprise Value
$6.21B
Total Revenue (TTM)
$1.30B
EBITDA
-
Free Cash Flow
$1.05B
Operating Cash Flow
$1.22B
Shares Outstanding
10.46M
Gross Margin
94.65%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CACC Credit Acceptance Corporation R3KFINANCIAL 593.78 13.11 $6.21B 0.00% - 31.93% 11.95% 6.88%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue 203.10M210.20M217.80M227.90M238.50M246.60M256.20M262.80M276.00M283.90M287.30M295.60M315.40M332.00M342.80M353.80M370.60M378.70M385.90M389.10M406.30M426.50M447.40M451.00M471.70M470.10M455.70M457.40M460.30M453.80M477.90M478.60M508.00M538.20M550.30M571.10M583.80M582.40M580.00M587.40M
Net Income 74.20M74.00M80.00M74.40M84.90M85.90M87.60M93.30M99.10M100.70M177.10M120.10M151.00M151.00M151.90M164.40M164.40M165.40M161.90M-83.80M96.40M242.10M166.30M202.10M288.60M250.00M214.30M107.40M86.80M99.50M22.20M70.80M64.30M-47.10M78.80M106.30M87.40M108.20M135.80M135.90M
Diluted EPS 3.543.533.843.634.174.214.334.725.095.199.106.177.757.757.798.658.688.738.60-4.615.4013.569.4311.8217.1815.7914.947.946.497.611.695.435.08-3.836.358.667.429.4312.4012.66

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 380.66M442.10M525.20M609.20M682.10M723.50M825.30M969.20M1.11B1.29B1.49B1.67B1.86B1.83B1.90B2.16B2.32B
Net Income 146.25M170.10M188.00M219.70M253.10M266.20M299.70M332.80M470.20M574.00M656.10M421.00M958.30M535.80M286.10M247.90M423.90M
Diluted EPS 4.625.677.078.5810.5411.9214.2816.3124.0429.3934.5723.4759.5239.3221.9919.8836.38

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Mar 2011Jun 2011Sep 2011Dec 2011Jan 2012Mar 2012Jun 2012Sep 2012Dec 2012Mar 2013Jun 2013Sep 2013Dec 2013Mar 2014Jun 2014Sep 2014Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --1.34B1.49B1.58B1.67B1.76B-1.96B2.00B2.10B2.13B2.25B2.32B2.39B2.43B2.57B2.63B2.72B2.79B3.37B4.22B4.99B6.24B7.42B7.49B7.05B6.90B7.61B8.85B8.63B
Total Equity 337.75M498.20M474.50M395.30M441.90M493.30M540.00M540.00M572.60M540.40M597.80M621.90M624.60M653.90M689.80M750.10M715.00M672.80M748.50M702.20M928.10M1.17B1.54B1.99B2.36B2.30B1.82B1.62B1.75B1.75B1.52B
Cash & Equivalents 3.15M2.20M3.80M---4.70M----9.00M---4.20M---6.40M6.30M14.60M8.20M25.70M187.40M16.00M23.30M7.70M13.20M343.70M22.80M
Long Term Debt ---886.30M934.70M969.00M997.90M-1.13B1.13B1.26B1.25B1.36B1.41B1.43B1.39B1.56B1.65B1.66B1.75B-----------
Total Liabilities --869.04M1.10B1.14B1.18B1.22B-1.38B1.46B1.51B1.51B1.62B1.66B1.70B1.68B1.86B1.95B1.97B2.08B2.44B3.04B3.45B4.25B5.07B5.19B5.23B5.28B5.86B7.11B7.11B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 160.36M200.70M275.70M308.60M325.70M365.20M404.20M507.20M566.00M703.90M812.30M985.20M1.07B1.24B1.20B1.14B1.05B
Investing Cash Flow -24.76M-163.30M-454.00M-400.90M-333.60M-363.40M-639.50M-878.20M-871.80M-1.24B-1.02B-673.50M437.30M-460.60M-1.42B-1.72B-674.30M
Financing Cash Flow -136.57M-35.80M179.20M96.60M3.10M400.00K235.20M436.60M330.30M599.90M400.30M-433.20M-1.47B-794.60M266.20M957.30M-724.60M
Capital Expenditure -2.92M-3.50M-6.30M-8.80M-5.60M-4.30M-4.00M-5.50M-8.40M-25.10M-26.80M-8.50M-7.60M-3.10M-4.00M-1.80M-1.60M
Free Cash Flow 157.44M197.20M269.40M299.80M320.10M360.90M400.20M501.70M557.60M678.80M785.50M976.70M1.06B1.24B1.20B1.14B1.05B
Share Buybacks 541.00K202.20M130.80M152.50M135.20M343.70M86.50M121.70M123.50M129.10M300.40M480.80M1.47B784.50M202.60M313.30M725.40M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % 38.4%38.5%35.8%36.1%37.1%36.8%36.3%34.3%42.4%44.6%44.1%25.2%51.6%29.2%15.0%11.5%18.3%
ROE % 29.4%35.8%34.8%35.3%33.7%37.9%32.3%28.4%30.6%28.8%27.9%18.3%52.5%33.0%16.3%14.2%27.8%
ROCE % -----------------

Shareholding Pattern

Insiders
46.08%
Institutions
76.48%
Public Float
141.84%

Top Institutional Holders

#Holder% HeldSharesValue
1 Prescott General Partners LLC 13.74% 1.44M $830.97M
2 Blackrock Inc. 6.14% 642.10K $371.32M
3 Boston Partners 5.48% 573.62K $331.72M
4 Gobi Capital LLC 3.42% 358.07K $207.07M
5 Beck, Mack & Oliver LLC 2.93% 305.98K $176.95M
6 Wellington Management Group, LLP 2.49% 260.08K $150.40M
7 Dimensional Fund Advisors LP 2.27% 237.44K $137.31M
8 Vanguard Portfolio Management LLC 2.15% 225.24K $130.26M
9 Universal- Beteiligungs- und Servicegesellschaft mbH 2.04% 213.68K $123.57M
10 Vanguard Capital Management LLC 1.99% 208.41K $120.52M

Analyst View

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Latest News

Recent headlines for CACC

Google News hu, 03 Sep 2026

Ex-director plans multimillion stock sale at Credit Acceptance (NASDAQ: CACC) - Stock Titan

<a href="https://news.google.com/rss/articles/CBMioAFBVV95cUxPYzFZVU00QjdvODVnc2pLZHk5Vm1JSVY5Um9GZ0RsU095RnBpeWMxektSd3dhRTY2TGJTN2tyRnkyT21od3pjQlNDZ2ZuaF81bFZjOTNsZTZ6Q1hDMmhEVGRvX3RXYjIyanc2SWZnOXRFam9sZWpwcklvaW1HSFNxN0owYThxU0FodWJURj…

Google News Sat, 22 Aug 2026

The Bull Case For Credit Acceptance (CACC) Could Change Following New US$600 Million ABS Financing Deal - finance.yahoo.com

<a href="https://news.google.com/rss/articles/CBMingFBVV95cUxNa3hscEtFR2NzNnhtR2R2X3F2SW5fMTk2enM0T0JpR2tCeUdXTzlzbXVQZ3BFNkdZVkNDZHhVakZfMlBTeE90MWVxbl9PWWF0RTU2TTVuT1dybFdCSXlVX3NDZDY4TDAwam5Za0lkUGQ4OGZmMmFJdkplV25xODN4elozcnhzbHFDVkMyOV…

Google News Wed, 02 Sep 2026

Credit Acceptance (CACC) Secured $600 Million In Financing, Is The Stock Fully Valued? - simplywall.st

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Google News Wed, 26 Aug 2026

Credit Acceptance Expands Liquidity with New ABS Financing - The Globe and Mail

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Google News ue, 26 May 2026

CACC - Credit Acceptance Corp Stock Price and Quote - Finviz

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Google News ue, 04 Aug 2026

Credit Acceptance Q2 net income rises to $135.9 million - Quiver Quantitative

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CACC — Frequently Asked Questions

What is the current share price of Credit Acceptance Corporation (CACC)?

As of 2026-09-19 21:16 PDT, Credit Acceptance Corporation (CACC) trades at $593.78 on NasdaqGS. Its 52-week range is $411.04 to $657.20.

What is the market capitalisation of CACC?

Credit Acceptance Corporation (CACC) has a market capitalisation of $6.21B on NasdaqGS.

What is the P/E ratio of CACC?

CACC trades at a trailing price-to-earnings (P/E) ratio of 13.11. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 3.90.

What is the return on equity (ROE) of CACC?

CACC has a return on equity (ROE) of 31.93%.

Is CACC a good stock to buy?

This page provides a data-driven analysis of Credit Acceptance Corporation (CACC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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