Stocks · Financial Services · Financial - Credit Services
Credit Acceptance Corporation CACC
$527.50 +3.04% Close, Oct 2, 2026 · NASDAQ · Market cap $5.52B
High qualityHigh risk
Next earnings report: Oct 29, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 43.4% from 23.5% a year earlier.
- The diluted share count fell 8.8% in a year, mainly through buybacks.
- Net debt is 6.3× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 40%
- EPS growth (TTM, YoY)Top 35%
- FCF growth (TTM, YoY)Bottom 42%
- Revenue growth, 3-year CAGRBottom 25%
- Revenue growth accelerationBottom 39%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 15%
- Gross marginTop 6%
- Operating marginTop 12%
- Cash conversion (OCF / net income)Top 15%
- Accruals (lower is better)Top 12%
- Net debt / EBITDA (lower is better)Bottom 20%
- Interest coverTop 25%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 29%
- Free-cash-flow yieldTop 13%
- EBITDA / enterprise valueTop 37%
- Sales / enterprise valueBottom 24%
- P/E vs own 5-year history (lower is better)Top 26%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 28%
- 6-month returnTop 13%
- 1-year return vs S&P 500Top 44%
- Distance from 52-week highBottom 23%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 43%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 3%
- Upside to consensus price targetBottom 15%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 32%
- Maximum drawdown, 3 yearsBottom 39%
- Beta vs S&P 500 (lower is better)Bottom 9%
- Net debt / EBITDA (lower is better)Bottom 20%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 5.3% | 3.8% | ↓ |
| EPS growth (YoY) | 71.7% | 31.1% | ↓ |
| Gross margin | 61.8% | 89.7% | ↑ |
| Operating margin | 23.5% | 43.4% | ↑ |
| FCF margin | 49.5% | 52.5% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.8% | 5.3% | ↓ | Bottom 40% |
| EPS growth (TTM, YoY) | 31.1% | 71.7% | ↓ | Top 35% |
| Gross margin | 89.7% | 61.8% | ↑ | Top 6% |
| Operating margin | 43.4% | 23.5% | ↑ | Top 12% |
| Net margin | 21.6% | 19.0% | ↑ | — |
| Free-cash-flow margin | 52.5% | 49.5% | ↑ | — |
| Return on invested capital | 9.5% | — | Top 15% | |
| Revenue growth, 3-year CAGR | 8.3% | — | Bottom 25% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.44×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -8.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.9%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +84568.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 6.29×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 3.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 9.30%
- Shareholder yield
- 9.30%
- Share count change, 1 year
- -8.8%
- Share count change, 3-year CAGR
- -6.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 4, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- +3.7%
- Average 2-day reaction, last 8
- +0.7%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $540.00
- Target vs current price
- +2.4%
- Analysts with a rating
- 18
- Share rating Buy or Strong Buy
- 0%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 4, 2026 | -0.7% | +2.6% | +1.4% | +4.7% | — |
| May 5, 2026 | +0.9% | +3.7% | +2.9% | +6.9% | +9.6% |
| Jan 29, 2026 | +10.2% | +4.1% | +17.0% | +12.3% | +18.6% |
| Oct 30, 2025 | +4.2% | -1.5% | -1.7% | -1.9% | -4.7% |
| Jul 31, 2025 | -13.0% | -2.8% | -7.8% | +1.1% | -0.9% |
| Apr 30, 2025 | -16.0% | -0.3% | +1.6% | +0.8% | +6.4% |
| Jan 30, 2025 | +59.2% | -2.1% | -1.1% | -9.3% | -7.9% |
| Oct 30, 2024 | -4.6% | +2.1% | -4.3% | +6.8% | +16.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 4, 2026 | $12.12 | $12.20 | -0.7% | $587.4M |
| May 5, 2026 | $10.71 | $10.61 | +0.9% | $580.0M |
| Jan 29, 2026 | $11.35 | $10.30 | +10.2% | $579.9M |
| Oct 30, 2025 | $10.28 | $9.87 | +4.2% | $576.4M |
| Jul 31, 2025 | $8.56 | $9.84 | -13.0% | $575.6M |
| Apr 30, 2025 | $8.66 | $10.31 | -16.0% | $562.3M |
| Jan 30, 2025 | $12.26 | $7.70 | +59.2% | $557.7M |
| Oct 30, 2024 | $8.79 | $9.21 | -4.6% | $550.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.6× | 13.3× | 29th | Top 29% |
| P/E (forward) | 10.9× | — | — | — |
| EV / EBITDA | 11.8× | — | — | Top 37% |
| EV / Sales | 5.08× | — | — | Bottom 24% |
| Free-cash-flow yield | 22.13% | — | — | Top 13% |
| Earnings yield | 8.62% | — | — | Top 29% |
P/E over the past five years
Range 8.3× – 41.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +10.1%
- Earnings per share growth (TTM)
- +31.1%
- Change in P/E multiple
- -8.5%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -3.9%
- 200-day average slope (20 days)
- +2.3%
- Distance from 50-day average
- -8.8%
- Distance from 200-day average
- -0.4%
- RSI (14)
- 32.6
- Relative volume
- 0.96×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 26.9%
- Volatility vs own 5-year history
- 5th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.40
- Correlation with S&P 500
- 0.55
- Current drawdown from 1-year high
- -19.7%
- Maximum drawdown, 3 years
- -32.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 4, 2021 | Jan 5, 2023 | -45.7% | 293 days | Not yet recovered |
| Oct 8, 2020 | Nov 23, 2020 | -19.1% | 32 days | 42 days (Jan 26, 2021) |
| Jun 2, 2021 | Jun 3, 2021 | -16.2% | 1 days | 32 days (Jul 20, 2021) |
| Mar 8, 2021 | Apr 5, 2021 | -15.9% | 19 days | 30 days (May 17, 2021) |
| Jan 26, 2021 | Feb 2, 2021 | -14.2% | 5 days | 22 days (Mar 5, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $5.52B
- P/E (TTM)
- 11.6
- EPS, diluted (TTM)
- $45.48
- Revenue (TTM)
- $2.32B
- 52-week range
- $401.90 – $668.86
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.85B | $1.82B | $1.88B | $2.13B | $2.32B |
| Gross profit | $1.43B | $1.35B | $1.26B | $1.33B | $2.29B |
| Operating income | $1.26B | $702.3M | $347.3M | $325.1M | $1.10B |
| Net income | $958.3M | $535.8M | $286.1M | $247.9M | $423.9M |
| EPS (diluted) | $59.52 | $39.32 | $21.99 | $19.88 | $37.55 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $543.6M | $557.7M | $562.3M | $575.6M | $576.4M | $579.9M | $580.0M | $587.4M |
| Net income | $78.8M | $151.9M | $106.3M | $87.4M | $108.2M | $122.0M | $135.8M | $135.9M |
| EPS (diluted) | $6.35 | $12.26 | $8.66 | $7.42 | $9.43 | $10.99 | $12.40 | $12.66 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $1.07B | $1.24B | $1.20B | $1.14B | $1.05B |
| Capital expenditure | -$7.6M | -$3.1M | -$4.0M | -$1.8M | -$1.6M |
| Free cash flow | $1.06B | $1.24B | $1.20B | $1.14B | $1.05B |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$1.47B | -$784.5M | -$202.6M | -$313.3M | -$701.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.4M
- Total assets
- $8.62B
- Total liabilities
- $7.03B
- Total debt
- $6.29B
- Net debt
- $6.28B
- Shareholders’ equity
- $1.59B
As of Jun 30, 2026 (filed Aug 4, 2026).
Short interest
- Shares sold short
- 982,761
- Days to cover
- 10.92
- Change vs previous report
- -1.2%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Dec 21, 1994
- 2-for-1
- Dec 27, 1993
- 3-for-2
- Mar 18, 1993
- 2-for-1