Credit Acceptance Performance degli utili passati
Criteri Il passato verificati 4/6
Gli utili di Credit Acceptance sono diminuiti a un tasso medio annuo di -24.7%, mentre il settore Consumer Finance ha visto gli utili diminuire a un tasso medio annuo di 0.8%. I ricavi sono cresciuti diminuire a un tasso medio annuo di 8.8%. Il ritorno sul capitale proprio di Credit Acceptance è 29.9% e ha margini netti di 35.5%.
Informazioni chiave
-24.70%
Tasso di crescita degli utili
-15.18%
Tasso di crescita dell'EPS
| Consumer Finance Crescita del settore | 7.20% |
| Tasso di crescita dei ricavi | -8.85% |
| Rendimento del capitale proprio | 29.95% |
| Margine netto | 35.54% |
| Ultimo aggiornamento sugli utili | 31 Mar 2026 |
Aggiornamenti sulle prestazioni recenti
Recent updates
Aggiornamento della narrazione • May 15
CACC: Revised Assumptions And Legal Resolution Will Shape Balanced Risk Profile
Analysts raised their price target on Credit Acceptance by about $55, citing updates to fair value estimates along with revised assumptions for discount rate, revenue growth, profit margin, and future P/E. Analyst Commentary Recent research points to a mixed but generally constructive reset in how analysts are thinking about Credit Acceptance, with several price target changes clustered over a short period.Aggiornamento della narrazione • Apr 21
CACC: Elevated Margin Assumptions Will Drive Skewed Risk To The Downside
Analysts have raised the Credit Acceptance price target by about $30, citing updated assumptions around fair value, the discount rate, revenue growth, profit margin, and a lower future P/E that are consistent with recent mixed Street research moves on the stock. Analyst Commentary Recent Street research on Credit Acceptance has been mixed, with some price targets raised and at least one lowered.Aggiornamento della narrazione • Apr 06
CACC: Evolving EPS Outlook And Mixed Sentiment Will Drive A Balanced Path
Analysts have trimmed their average price target on Credit Acceptance by about $6 to roughly $452. This reflects updated views on revenue growth, profitability and an outlook that now applies a higher future P/E multiple.Aggiornamento della narrazione • Dec 19
CACC: Future Buybacks And Leadership Transition Will Shape A Measured Outlook
Analysts have modestly raised their price target on Credit Acceptance to $458.00 from $458, citing incremental adjustments to the discount rate and forward valuation assumptions, while maintaining a constructive view on revenue growth and profitability. What's in the News The board authorizes a new share repurchase program allowing Credit Acceptance to buy back up to 2,000,000 shares, with no stated expiration, signaling ongoing capital return to shareholders (company announcement).Aggiornamento della narrazione • Dec 04
CACC: Buybacks And Leadership Transition Will Shape A Balanced Forward Outlook
Analysts have modestly lowered their price target on Credit Acceptance to $458.00 from $458.00, reflecting a slightly reduced discount rate and marginally lower future P E assumptions while maintaining strong expectations for growth and margins. What's in the News On September 29, 2025, the Board authorized a new share repurchase plan allowing Credit Acceptance to buy back up to 2,000,000 shares with no set expiration date (Key Developments).Aggiornamento della narrazione • Nov 20
CACC: Share Buyback Program And Leadership Transition Will Shape Outlook
Analysts have raised their price target for Credit Acceptance from $446.25 to $458.00, citing incremental improvements in profit margin and a slight reduction in discount rate as supporting factors for the increased valuation. What's in the News The Board of Directors has unanimously elected Vinayak R.Aggiornamento della narrazione • Nov 01
CACC: Share Repurchases And Leadership Transition Will Shape Lending Landscape
Analysts have lowered their price target for Credit Acceptance from $467.50 to $446.25. They cite shifts in projected revenue growth and underlying financial assumptions as key drivers of the revision.
Nuova narrazione • Aug 29
Enhanced Forecasting And Critical Growth Set To Propel Future Revenue And Net Income
Enhanced forecasting and disciplined underwriting amidst economic volatility hint at improved loan performance, net margins, and ultimately net income.Seeking Alpha • Feb 26
Credit Acceptance: Back At Expensive Levels While Facing The Same Concerns
Summary CACC stock has returned to its previous high of $550 despite deteriorating earnings and ongoing challenges. Higher costs of funding and default rates are severely impacting earnings, and a pending lawsuit adds to the uncertainties. A careful probability-weighted scenario model suggests a valuation re-rate to $465 per share. Read the full article on Seeking AlphaSeeking Alpha • Sep 10
Argentine lenders take the lead in week's financial winners, while Chinese fintechs dip
This week's five biggest winners in financial stocks (with market cap of over $2B) were led by two Argentine regional banks, while two Chinese fintechs took a hit. The best-performing financial stock featured Banco Macro (NYSE:BMA), climbing 16% in the week ended September 9, as the Argentine peso rose 1.6% against the U.S. dollar at the time; Similarly, Grupo Financiero Galicia (NASDAQ:GGAL) +14.8% jumped; Investment firm StepStone (NASDAQ:STEP) +12.8% took the third slot; Alternative asset manager TPG (NASDAQ:TPG) gained 12%; and Pet insurance provider Trupanion (NASDAQ:TRUP) +10.4% increased after it acquired Smart Paws for an undisclosed amount. On the bearish front, regional lender BancFirst (NASDAQ:BANF) fell 7.3%; Lufax (NYSE:LU), a Chinese-based operator of a technology-powered personal financial services platform, slid -5.5%; Futu (NASDAQ:FUTU), another Chinese fintech, drifted down 5.3%; Property and casualty insurer Kinsale Capital (NYSE:KNSL) -3.8% slipped; and Credit Acceptance (NASDAQ:CACC) edged down 3.4% amid a recent best idea short call at Hedgeye. Take a look at how the broader stock market fared this week.Seeking Alpha • Sep 02
Credit Acceptance: Best Near-Term Capital-Gain Portfolio Wealth-Builder
Summary CACC Manages loans made to $40,000+ cost new-car buyers from franchised auto dealers. Here are prior investment market outcomes of same-as-today’s stock price-range forecasts being made by institutional investors. Outcomes measured by odds for investment profitability, size of gain, length of holding required, interim worst loss exposure. Comparison with over 3,000 equity alternatives, on same tests of their prior outcomes of their as seen-today forecasts for how big, how sure, how soon your net benefits may be likely. Our standard of Market-Maker Near-term likely Price Range Forecasts is used to select the subject, but we compare it to same measures on related alternative investment candidates. Investment Thesis We look to the hedging actions of Market-Makers to protect their at-risk capital endangerment required by the automation achieved by markets in serving a continuing flow of individual investor small trades instead of irregular huge-value “institutional” transactions. The pricing and structure of such hedges reveal the coming-price expectations of both the MM protection-buyers and that of the MM industry protection-sellers. Our selection of Credit Acceptance Corporation (CACC) is prompted by its currently-attractive stock pricing coupled by a large following of Seeking Alpha readers. Description of Primary Investment Subject “Credit Acceptance Corporation provides financing programs, and related products and services to independent and franchised automobile dealers in the United States. The company advances money to dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps various amounts collected from the consumers. It is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. The company was founded in 1972 and is headquartered in Southfield, Michigan. Yahoo Finance Source: Yahoo Finance Risk~Reward Comparisons of Portfolio Investment Candidates Figure 1 blockdesk.com (used with prior permission) The tradeoffs here are between near-term upside price gains (green horizontal scale) seen worth protecting against by Market-makers with short positions in each of the stocks, and the prior actual price drawdowns experienced during holdings of those stocks (red vertical scale). Both scales are of percent change from zero to 25%. The intersection of those coordinates by the numbered positions is identified by the stock symbols in the blue field to the right. The dotted diagonal line marks the points of equal upside price change forecasts derived from Market-Maker [MM] hedging actions and the actual worst-case price drawdowns from positions that could have been taken following prior MM forecasts like today's. Our principal interest is in CACC at location [4]. A "market index" norm of reward~risk tradeoffs is offered by SPDR S&P500 index ETF also at [4]. Those forecasts are implied by the self-protective behaviors of MMs who must usually put firm capital at temporary risk to balance buyer and seller interests in helping big-money portfolio managers make volume adjustments to multi-billion-dollar portfolios. The protective actions taken with real-money bets define daily the extent of likely expected price changes for thousands of stocks and ETFs. This map is a good starting point, but it can only cover some of the investment characteristics that often should influence an investor's choice of where to put his/her capital to work. The table in Figure 2 covers the above considerations and several others. Comparing Alternative Investments Figure 2 blockdesk.com (used with permission) Column headers for Figure 2 define elements for each row stock whose symbol appears at the left in column [A]. The elements are derived or calculated separately for each stock, based on the specifics of its situation and current-day MM price-range forecasts. Data in red numerics are negative, usuall undesirable to “long” holding positions. Table cells with pink background “fills” signify conditions typically unacceptable to “buy” recommendations. Yellow fills are of data for the stock of principal interest and of all issues at the ranking column, [R]. Readers familiar with our analysis methods may wish to skip to the next section viewing price range forecast trends for CACC. Figure 2’s purpose is to attempt universally comparable answers, stock by stock, of a) How BIG the price gain payoff may be, b) how LIKELY the payoff will be a profitable experience, c) how soon it may happen, and d) what price drawdown RISK may be encountered during its holding period. The price-range forecast limits of columns [B] and [C] get defined by MM hedging actions to protect firm capital required to be put at risk of price changes from volume trade orders placed by big-$ "institutional" clients. [E] measures potential upside risks for MM short positions created to fill such orders, and reward potentials for the buy-side positions so created. Prior forecasts like the present provide a history of relevant price draw-down risks for buyers. The most severe ones actually encountered are in [F], during holding periods in effort to reach [E] gains. Those are where buyers are most likely to accept losses. [H] tells what proportion of the [L] sample of prior like forecasts have earned gains by either having price reach its [B] target or be above its [D] entry cost at the end of a 3-month max-patience holding period limit. [ I ] gives the net gains-losses of those [L] experiences and [N] suggests how credible [E] may be compared to [ I ]. Further Reward~Risk tradeoffs involve using the [H] odds for gains with the 100 - H loss odds as weights for N-conditioned [E] and for [F], for a combined-return score [Q]. The typical position holding period [J] on [Q] provides a figure of merit [fom] ranking measure [R] useful in portfolio position preferencing. Figure 2 is row-ranked on [R] among candidate securities, with CACC yellow-row identified. Along with the candidate-specific stocks these selection considerations are provided for the averages of over 3000 stocks for which MM price-range forecasts are available today, and 20 of the best-ranked (by fom) of those forecasts, as well as the forecast for S&P500 Index ETF (NYSEARCA:SPY) as an equity market proxy. Recent MM Price-Range Forecast Trends for CACC Figure 3 blockdesk.com (used with permission) This picture is not a “technical chart” of past prices for EW. Instead, it is the past 6 months of daily price range forecasts of market actions yet to come in the next few months. The only past information there is the closing stock price on the day of each forecast. That data splits the price range’s opposite forecasts into upside and downside prospects. Their trends over time provide additional insights into coming potentials, and helps keep perspective on what may be coming. The small picture at the bottom of Figure 3 is a frequency distributionof the Range Index’s appearance daily during the past 5 years of daily forecasts. The Range Index [RI] tells how much the downside of the forecast range occupies of that percentage of the entire range each day, and its frequency suggests what may seem “normal” for that stock, in the expectations of its evaluators’ eyes.Seeking Alpha • Aug 12
Credit Acceptance extends $500M asset-backed financing
Credit Acceptance (NASDAQ:CACC) said Friday it extended its $500M asset-backed non-recourse secured financing by 3 years. The financing will now cease to revolve on Aug. 15, 2025. The amendment also increased the interest rate under the financing from 3.13% to 5.15% and decreased the servicing fee from 6% to 4% of collections on underlying consumer loans. There were no other changes to the financing's terms.Ripartizione dei ricavi e delle spese
Ripartizione dei ricavi e delle spese
Come Credit Acceptance guadagna e spende denaro. In base agli ultimi utili dichiarati, su base LTM.
Storico di utili e ricavi
| Data | Ricavi | Utili | Spese G+A | Spese di R&S |
|---|---|---|---|---|
| 31 Mar 26 | 1,276 | 453 | 606 | 0 |
| 31 Dec 25 | 1,238 | 424 | 600 | 0 |
| 30 Sep 25 | 1,233 | 454 | 559 | 0 |
| 30 Jun 25 | 1,173 | 424 | 542 | 0 |
| 31 Mar 25 | 993 | 290 | 511 | 0 |
| 31 Dec 24 | 928 | 248 | 502 | 0 |
| 30 Sep 24 | 846 | 190 | 494 | 0 |
| 30 Jun 24 | 815 | 182 | 475 | 0 |
| 31 Mar 24 | 867 | 251 | 468 | 0 |
| 31 Dec 23 | 899 | 286 | 459 | 0 |
| 30 Sep 23 | 929 | 320 | 461 | 0 |
| 30 Jun 23 | 944 | 336 | 453 | 0 |
| 31 Mar 23 | 1,051 | 421 | 441 | 0 |
| 31 Dec 22 | 1,184 | 536 | 426 | 0 |
| 30 Sep 22 | 1,304 | 626 | 388 | 0 |
| 30 Jun 22 | 1,504 | 789 | 381 | 0 |
| 31 Mar 22 | 1,693 | 971 | 346 | 0 |
| 31 Dec 21 | 1,683 | 958 | 384 | 0 |
| 30 Sep 21 | 1,594 | 907 | 364 | 0 |
| 30 Jun 21 | 1,565 | 899 | 348 | 0 |
| 31 Mar 21 | 1,324 | 707 | 359 | 0 |
| 31 Dec 20 | 920 | 421 | 326 | 0 |
| 30 Sep 20 | 918 | 417 | 325 | 0 |
| 30 Jun 20 | 818 | 340 | 326 | 0 |
| 31 Mar 20 | 905 | 408 | 326 | 0 |
| 31 Dec 19 | 1,216 | 656 | 329 | 0 |
| 30 Sep 19 | 1,192 | 646 | 320 | 0 |
| 30 Jun 19 | 1,159 | 632 | 310 | 0 |
| 31 Mar 19 | 1,129 | 618 | 298 | 0 |
| 31 Dec 18 | 1,072 | 574 | 291 | 0 |
| 30 Sep 18 | 983 | 599 | 282 | 0 |
| 30 Jun 18 | 934 | 549 | 273 | 0 |
| 31 Mar 18 | 884 | 497 | 264 | 0 |
| 31 Dec 17 | 861 | 470 | 254 | 0 |
| 30 Sep 17 | 869 | 381 | 243 | 0 |
| 30 Jun 17 | 840 | 366 | 237 | 0 |
| 31 Mar 17 | 812 | 352 | 230 | 0 |
| 31 Dec 16 | 781 | 333 | 224 | 0 |
| 30 Sep 16 | 762 | 325 | 219 | 0 |
| 30 Jun 16 | 740 | 313 | 214 | 0 |
| 31 Mar 16 | 718 | 303 | 207 | 0 |
| 31 Dec 15 | 708 | 300 | 200 | 0 |
| 30 Sep 15 | 697 | 293 | 197 | 0 |
| 30 Jun 15 | 684 | 293 | 186 | 0 |
Guadagni di qualità: CACC ha guadagni di alta qualità.
Margine di profitto in crescita: Gli attuali margini di profitto netti di CACC (35.5%) CACC sono più alti rispetto allo scorso anno (29.2%).
Flusso di cassa libero e analisi degli utili
Analisi della crescita degli utili nel passato
Andamento degli utili: Gli utili di CACC sono diminuiti del 24.7% all'anno negli ultimi 5 anni.
Accelerare la crescita: La crescita degli utili di CACC nell'ultimo anno ( 56.4% ) supera la media quinquennale ( -24.7% all'anno).
Guadagni vs Settore: La crescita degli utili CACC nell'ultimo anno ( 56.4% ) ha superato la percentuale del settore Consumer Finance 28.9%.
Rendimento del capitale proprio
ROE elevato: Sebbene il Return on Equity ( 29.95% ) di CACC sia elevato, questa metrica è distorta a causa del loro elevato livello di debito.
Rendimento delle attività
Rendimento del capitale investito
Scoprire le aziende con forti performance passate
Analisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/05/21 16:18 |
| Prezzo dell'azione a fine giornata | 2026/05/21 00:00 |
| Utili | 2026/03/31 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
|
|
| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
| |
| Sviluppi principali | 10 anni |
|
* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; abbiamo anche guide su come utilizzare i nostri report e tutorial su Youtube.
Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
Credit Acceptance Corporation è coperta da 12 analisti. 3 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| James Fotheringham | BMO Capital Markets Equity Research |
| Kenneth Bruce | BofA Global Research |
| Giuliano Anderes Bologna | BTIG |