Is Credit Acceptance Corporation (CACC) Overvalued?
We dive into why Credit Acceptance Corporation (CACC) could be considered overvalued on 2026-07-28, based on AAII’s Value Score and Grade.Tudor Pop
Stock Evaluator: Credit Acceptance Corporation (CACC)
Credit Acceptance Corporation CACC
$568.91
13.24
2.38%
July 31, 2026 4:00:00 PM
EST
Volume: 87,069
After Hours: $120.37
0.15
|
0.12%
November 10, 2021 7:59 PM
EST
Volume: 72,713
USD
NASD | DELAYED PRICE
| SECTOR | INDUSTRY |
| Financials | Consumer Finance |
A+ Stock Grade Summary:
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COMPANY SUMMARY
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.
Commentary & Analysis
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Financial Summary
| Share Statistics | CACC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $5,812.3 | $1,156.8 | 69% |
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| Shares Out (Mil) | 11.0 | 36.1 | 22% |
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| Institutional Ownership | 78.1% | 78.9% | 48% |
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| Float (Mil) | 5.9 | 32.7 | 14% |
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| Beta | 1.36 | 1.06 | 78% |
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| Avg Daily Volume (000s) | 139 | 358 | 40% |
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| Price Change (52-week) |
7.7% | 77.4% | 52% |
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| Growth | CACC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 6.1% | 7.7% | 41% |
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| Net Income (5yr) | 0.1% | 12.6% | 40% |
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| EPS (5yr) | 9.2% | 17.1% | 45 |
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| Dividends (5yr) | 0.0% | 0.0% | 0% |
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| Cash Flow (5yr) | (34.6%) | (2.8%) | 15% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 3 | 3 | 3 | |
| Current EPS | $11.853 | $47.343 | $54.823 | |
| Month Ago EPS | $12.000 | $47.735 | $54.735 | |
| # Rev Up | 2 | 2 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $11.215 | $44.670 | $51.497 | |
| Year/Year Chg | (4.4%) | 30.1% | na | |
| Financials | CACC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $1,276 | $1,133 | 54% |
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| Net Income (TTM) (Mil) | $453 | $147 | 78% |
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| EPS (TTM) | $40.796 | $1.500 | 99% |
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| Operating Cash Flow (TTM) (Mil) | $1,055 | $231 | 82% |
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| Net Cash Flow (TTM) (Mil) | ($569) | $4 | 5% |
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| Long-Term Debt (Q1) (Mil) | $4,619 | $808 | 85% |
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| Enterprise Value (Q1) (Mil) | na | $1,280 | na |
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| Valuation | CACC | Industry Median |
Percentile (All Stocks) |
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| P/B | 3.83 | 1.46 | 72% |
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| P/E | 13.9 | 9.3 | 32% |
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| Dividend Yield | 0.0% | 0.0% | 0% |
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| PEG (5yr hist) | 1.5 | 0.6 | 59% |
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| Ratios | CACC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 94.4% | 75.1% | 95% |
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| Net Margin | 35.5% | 14.6% | 92% |
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| ROA | 5.1% | 2.9% | 73% |
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| ROE | 28.1% | 14.9% | 86% |
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| Liabilities to Assets | 82.6% | 79.0% | 77% |
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| F-Score | 8 | 5 | 94% |
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Credit Acceptance Corporation did not pass any screens on 7/30/2026.
