Credit Acceptance Tidigare resultatutveckling
Tidigare kriterier kontrolleras 4/6
Credit Acceptance s intäkter har minskat med en genomsnittlig årlig takt på -24.7%, medan Consumer Finance -branschen såg intäkter på sjunkande på 2.1% årligen. Intäkterna har varit fallande med en genomsnittlig takt på 8.8% per år. Credit Acceptance s avkastning på eget kapital är 29.9% och den har en nettomarginal på 35.5%.
Viktig information
-24.70%
Tillväxttakt i vinsten
-15.18%
Tillväxttakt för EPS
| Consumer Finance Tillväxt i branschen | 7.20% |
| Intäkternas tillväxttakt | -8.85% |
| Avkastning på eget kapital | 29.95% |
| Nettomarginal | 35.54% |
| Nästa resultatuppdatering | 04 Aug 2026 |
Senaste uppdateringar av tidigare prestationer
Recent updates
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.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.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.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...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.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.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.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.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).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).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.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.
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.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 AlphaFördelning av intäkter och kostnader
Hur Credit Acceptance tjänar och spenderar pengar. Baserat på senast rapporterade resultat, på rullande tolvmånadersbasis.
Resultat- och intäktshistorik
| Datum | Intäkter | Intäkter | G+A Kostnader | FoU-kostnader |
|---|---|---|---|---|
| 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 |
Kvalitetsintäkter: CACC har inkomster av hög kvalitet.
Växande vinstmarginal: CACC s nuvarande netto vinstmarginaler (35.5%) är högre än förra året (29.2%).
Fritt kassaflöde vs resultatanalys
Analys av tidigare vinsttillväxt
Resultatutveckling: CACC s intäkter har minskat med 24.7% per år under de senaste 5 åren.
Accelererande tillväxt: CACC s intäktstillväxt under det senaste året ( 56.4% ) överstiger sitt 5-åriga genomsnitt ( -24.7% per år).
Resultat vs industri: CACC vinsttillväxt under det senaste året ( 56.4% ) översteg Consumer Finance branschen 24.7%.
Avkastning på eget kapital
Hög ROE: Medan CACC s avkastning på eget kapital ( 29.95% ) är hög, är detta mått skevt på grund av deras höga skuldnivå.
Avkastning på tillgångar
Avkastning på sysselsatt kapital
Upptäck starka bolag som tidigare presterat bra
Företagsanalys och finansiella data Status
| Uppgifter | Senast uppdaterad (UTC-tid) |
|---|---|
| Analys av företag | 2026/07/30 13:09 |
| Aktiekurs vid dagens slut | 2026/07/30 00:00 |
| Intäkter | 2026/03/31 |
| Årlig intjäning | 2025/12/31 |
Datakällor
Den data som används i vår företagsanalys kommer från S&P Global Market Intelligence LLC. Följande data används i vår analysmodell för att generera denna rapport. Data är normaliserade vilket kan medföra en fördröjning från det att källan är tillgänglig.
| Paket | Uppgifter | Tidsram | Exempel US-källa |
|---|---|---|---|
| Företagets finansiella ställning | 10 år |
| |
| Analytikernas konsensusuppskattningar | +3 år |
|
|
| Marknadspriser | 30 år |
| |
| Ägarskap | 10 år |
| |
| Förvaltning | 10 år |
| |
| Viktiga utvecklingstendenser | 10 år |
|
* Exempel för amerikanska värdepapper, för icke-amerikanska värdepapper används motsvarande regelverk och källor.
Om inget annat anges är all finansiell data baserad på en årsperiod men uppdateras kvartalsvis. Detta kallas data för efterföljande tolv månader (TTM) eller senaste tolv månader (LTM). Lär dig mer om detta.
Analysmodell och snöflinga
Detaljer om analysmodellen som används för att skapa den här rapporten finns på vår Github-sida, vi har också guider om hur du använder våra rapporter och handledningar på Youtube.
Lär dig mer om det team i världsklass som utformade och byggde analysmodellen Simply Wall St.
Industri- och sektormått
Våra bransch- och sektionsmått beräknas var sjätte timme av Simply Wall St, detaljer om vår process finns tillgängliga på Github.
Källor för analytiker
Credit Acceptance Corporation bevakas av 12 analytiker. 3 av dessa analytiker lämnade de uppskattningar av intäkter eller resultat som användes som indata till vår rapport. Analytikernas inskickade estimat uppdateras löpande under dagen.
| Analytiker | Institution |
|---|---|
| James Fotheringham | BMO Capital Markets Equity Research |
| Kenneth Bruce | BofA Global Research |
| Giuliano Anderes Bologna | BTIG |