Credit Acceptance Corporation

NasdaqGS:CACC Stock Report

Market Cap: US$5.8b

Credit Acceptance Past Earnings Performance

Past criteria checks 4/6

Credit Acceptance's earnings have been declining at an average annual rate of -24.7%, while the Consumer Finance industry saw earnings declining at 2.1% annually. Revenues have been declining at an average rate of 8.8% per year. Credit Acceptance's return on equity is 29.9%, and it has net margins of 35.5%.

Key information

-24.70%

Earnings growth rate

-15.18%

EPS growth rate

Consumer Finance Industry Growth7.20%
Revenue growth rate-8.85%
Return on equity29.95%
Net Margin35.54%
Last Earnings Update31 Mar 2026

Recent past performance updates

Recent updates

Narrative Update • Jul 22

CACC: Raised Street Expectations And Index Additions Will Temper Future Return Potential

Analysts have lifted their price target on Credit Acceptance by about $67, citing updated assumptions on fair value, discount rate, revenue growth, profit margin, and future P/E as reflected in recent Street research, including the latest TD Cowen commentary. What’s in the News for Credit Acceptance Credit Acceptance appointed Joseph Billante as Chief Financial Officer, effective July 27, 2026, succeeding long-time CFO Jay D.
Narrative Update • Jul 07

CACC: Higher Multiples And Softer Q1 Results Will Pressure Future Returns

Analysts have lifted their fair value estimate for Credit Acceptance from about $537 to roughly $562, citing updated assumptions on revenue growth, profit margins, discount rates, and future P/E that are in line with recent Street price target increases from TD Cowen and Stephens. Analyst Commentary Recent Street research on Credit Acceptance has centered on updated price targets, with bullish analysts adjusting their views as they revisit assumptions around revenue, margins, and valuation multiples.
Narrative Update • Jun 23

CACC: Refreshed Assumptions And Buybacks Will Shape Future Risk Balance

Credit Acceptance's analyst price target has moved higher by $50 to $90 across recent updates, as analysts cite refreshed valuation work and adjustments to P/E and discount rate assumptions to reflect the latest risk and return profile. Analyst Commentary Recent research on Credit Acceptance shows a mix of optimism and caution, with price targets both raised and reduced as analysts revisit their P/E and discount rate assumptions.
Analysis Article • Jun 16

Credit Acceptance (CACC) Stock Could Be 7% Overvalued After Credit Facility Extension And CFO Change

Why the latest financing and leadership moves matter for Credit Acceptance stock Credit Acceptance (CACC) has just extended its revolving secured credit facility by one year and reduced its borrowing spread, while also preparing for a CFO transition to Joseph Billante from long-serving finance chief Jay D. Martin. See our latest analysis for Credit Acceptance. Those financing and leadership updates come against a backdrop of firm momentum in Credit Acceptance’s stock, with a 90 day share...
Narrative Update • Jun 06

CACC: Revised Assumptions And Buybacks Will Shape Balanced Risk Profile

Analysts have raised their price targets on Credit Acceptance by $50 to $90 in recent research, citing updated views on discount rates, revenue growth, profit margins, and future P/E assumptions. Analyst Commentary Recent research updates show a mix of optimism and caution around Credit Acceptance, reflected in both higher and lower price targets over the past few reports.
Narrative Update • 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.
Narrative Update • 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.
Narrative Update • 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.
Narrative Update • 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).
Narrative Update • 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).
Narrative Update • 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.
Narrative Update • 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.
User avatar
New Narrative • 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 Alpha

Revenue & Expenses Breakdown

How Credit Acceptance makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NasdaqGS:CACC Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 261,2764536060
31 Dec 251,2384246000
30 Sep 251,2334545590
30 Jun 251,1734245420
31 Mar 259932905110
31 Dec 249282485020
30 Sep 248461904940
30 Jun 248151824750
31 Mar 248672514680
31 Dec 238992864590
30 Sep 239293204610
30 Jun 239443364530
31 Mar 231,0514214410
31 Dec 221,1845364260
30 Sep 221,3046263880
30 Jun 221,5047893810
31 Mar 221,6939713460
31 Dec 211,6839583840
30 Sep 211,5949073640
30 Jun 211,5658993480
31 Mar 211,3247073590
31 Dec 209204213260
30 Sep 209184173250
30 Jun 208183403260
31 Mar 209054083260
31 Dec 191,2166563290
30 Sep 191,1926463200
30 Jun 191,1596323100
31 Mar 191,1296182980
31 Dec 181,0725742910
30 Sep 189835992820
30 Jun 189345492730
31 Mar 188844972640
31 Dec 178614702540
30 Sep 178693812430
30 Jun 178403662370
31 Mar 178123522300
31 Dec 167813332240
30 Sep 167623252190
30 Jun 167403132140
31 Mar 167183032070
31 Dec 157083002000
30 Sep 156972931970

Quality Earnings: CACC has high quality earnings.

Growing Profit Margin: CACC's current net profit margins (35.5%) are higher than last year (29.2%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: CACC's earnings have declined by 24.7% per year over the past 5 years.

Accelerating Growth: CACC's earnings growth over the past year (56.4%) exceeds its 5-year average (-24.7% per year).

Earnings vs Industry: CACC earnings growth over the past year (56.4%) exceeded the Consumer Finance industry 32.4%.

Return on Equity

High ROE: Whilst CACC's Return on Equity (29.95%) is high, this metric is skewed due to their high level of debt.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/07/28 03:52
End of Day Share Price 2026/07/28 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Credit Acceptance Corporation is covered by 12 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
James FotheringhamBMO Capital Markets Equity Research
Kenneth BruceBofA Global Research
Giuliano Anderes BolognaBTIG