Credit Acceptance Corporation (CACC)
POSITIVEFundamental
77
Price
$603.62
Market Cap
$6.30B
Part 1 · What the company is worth
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.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$2.33B
Trailing 12 months (through 6/30/2026)
Net Income
$502M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$1.05B
Total Equity
$1.52B
Total Liabilities
$7.11B
Current Ratio
0.03
Interest Coverage
-
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$516.68
Current Price
$603.62
Margin of Safety
-16.8%
Fair Value Range
$429.55 - $603.81
Estimation Methods
Valuation Metrics
P/E Ratio
13.30
ROE
27.8%
P/B Ratio
3.94
P/FCF
5.13
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
10.0%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (16)
- EPS shows upward trend
- EPS CAGR 13.77%
- Price CAGR 10.70%
- P/FCF 5.13
- Positive Free Cash Flow
- CapEx intensity
- Return on Tangible Assets
- Low reliance on intangibles
- DCF valuation (Undervalued)
- ROE 32.4%
- Revenue Growth 5Y 6.8%
- PEG Ratio 1.32
- Earnings Quality (OCF/NI) 2.44
- Share Dilution -6.6%
- Net Margin Trend 21.5% vs 18.7%
- Piotroski F-Score 6/9
Failed (5)
- P/B Ratio 3.94
- Debt/Equity ratio
- Price below Graham Number
- Analyst Consensus 0% Buy
- Earnings Surprise avg -4.0%
Unavailable (7)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Operating Margin NaN%
- Current Ratio
- Interest Coverage
- Debt/EBITDA
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Vinayak R. Hegde | CEO, President & Director | 55 |
| Mr. Douglas W. Busk | Chief Treasury Officer | 65 |
| Mr. Joseph Billante III | CFO and Principal Financial & Accounting Officer | 49 |
| Mr. Jonathan L. Lum | Chief Operating Officer | 48 |
| Ms. Erin J. Kerber | Chief Legal Officer, Chief Compliance Officer & Secretary | 45 |
| Mr. Robert Bourrier | Chief Sales Officer | - |
Audit Risk
6
Board Risk
4
Compensation Risk
10
Shareholder Rights Risk
4
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for CACC, sourced from Markets Gazette.
- 3/13/2026POSITIVECredit Acceptance Is 'The Only Non-Prime Lender Worth Owning,' Citron Says
Citron Research has issued a strong endorsement for Credit Acceptance Corporation (CACC), designating it as the sole non-prime lender meriting investment. The influential research firm has established a fair value target of $714 for the company's stock. This optimistic outlook suggests Citron believes CACC is uniquely positioned within its sector, potentially due to superior risk management, underwriting capabilities, or market share. Investors should note this high conviction call from a prominent short-seller turned long-term advocate, which could signal significant upside potential if CACC's business performance aligns with Citron's projections.
via Markets Gazette