Credit Acceptance Corporation

NasdaqGS:CACC Stok Raporu

Piyasa değeri: US$5.8b

Credit Acceptance Gelecekteki Büyüme

Future kriter kontrolleri 3/6

Credit Acceptance kazanç ve gelirinin sırasıyla yıllık 13.5% ve 28.3% oranında artması tahmin edilirken, EPS'nin yıllık 19.2% oranında büyümesi bekleniyor.

Anahtar bilgiler

13.5%

Kazanç büyüme oranı

19.24%

EPS büyüme oranı

Consumer Finance kazanç büyümesi19.0%
Gelir büyüme oranı28.3%
Gelecekteki özkaynak getirisin/a
Analist kapsamı

Low

Son güncelleme06 May 2026

Gelecekteki son büyüme güncellemeleri

Recent updates

Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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).
Anlatı Güncellemesi • 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).
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
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Yeni Anlatı • 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
Seeking 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.

Kazanç ve Gelir Büyüme Tahminleri

NasdaqGS:CACC - Analistlerin gelecek tahminleri ve geçmiş finansal verileri (USD Millions )
TarihGelirKazançlarSerbest Nakit AkışıFaaliyetlerden NakitAvg. Analist Sayısı
12/31/20272,252579N/AN/A3
12/31/20262,128532N/AN/A3
3/31/20261,2764531,0531,055N/A
12/31/20251,2384241,0531,055N/A
9/30/20251,2334541,0901,092N/A
6/30/20251,1734241,1081,110N/A
3/31/20259932901,1721,174N/A
12/31/20249282481,1361,138N/A
9/30/20248461901,1401,143N/A
6/30/20248151821,1361,139N/A
3/31/20248672511,2141,217N/A
12/31/20238992861,2001,204N/A
9/30/20239293201,1761,179N/A
6/30/20239443361,1881,192N/A
3/31/20231,0514211,1571,159N/A
12/31/20221,1845361,2361,239N/A
9/30/20221,3046261,0801,083N/A
6/30/20221,5047891,0211,027N/A
3/31/20221,6939711,1121,120N/A
12/31/20211,6839581,0621,069N/A
9/30/20211,5949071,1341,141N/A
6/30/20211,5658991,1421,147N/A
3/31/20211,3247071,0741,079N/A
12/31/2020920421977985N/A
9/30/2020918417976987N/A
6/30/2020818340901918N/A
3/31/2020905408787814N/A
12/31/20191,216656N/A812N/A
9/30/20191,192646N/A811N/A
6/30/20191,159632N/A795N/A
3/31/20191,129618N/A726N/A
12/31/20181,072574N/A704N/A
9/30/2018983599N/A652N/A
6/30/2018934549N/A615N/A
3/31/2018884497N/A612N/A
12/31/2017861470N/A566N/A
9/30/2017869381N/A558N/A
6/30/2017840366N/A540N/A
3/31/2017812352N/A577N/A
12/31/2016781333N/A507N/A
9/30/2016762325N/A467N/A
6/30/2016740313N/A443N/A
3/31/2016718303N/A379N/A
12/31/2015708300N/A404N/A
9/30/2015697293N/A395N/A
6/30/2015684293N/A380N/A

Analist Gelecek Büyüme Tahminleri

Kazançlar ve Tasarruf Oranları: CACC 'nin tahmini kazanç büyümesi (yıllık 13.5% ) tasarruf oranının ( 3.5% ) üzerindedir.

Kazançlar ve Piyasa: CACC şirketinin kazançlarının (yıllık 13.5% ) US pazarından (yıllık 16.8% ) daha yavaş büyümesi öngörülüyor.

Yüksek Büyüme Kazançları: CACC şirketinin kazançlarının artması bekleniyor, ancak önemli ölçüde.

Gelir ve Pazar: CACC şirketinin gelirinin (yıllık 28.3% ) US pazarından (yıllık 11.6% ) daha hızlı büyümesi öngörülüyor.

Yüksek Büyüme Geliri: CACC şirketinin gelirinin (yıllık 28.3% ) yıllık 20% dan daha hızlı büyümesi öngörülüyor.

Hisse Başına Kazanç Büyüme Tahminleri

Gelecekteki Özkaynak Getirisi

Gelecekteki ROE: CACC 'un Özsermaye Getirisi'nin 3 yıl içinde yüksek olmasının öngörülüp öngörülmediğini belirlemek için yeterli veri yok

Büyüyen şirketleri keşfedin

7D

1Y

7D

1Y

7D

1Y

Şirket Analizi ve Finansal Veri Durumu

VeriSon Güncelleme (UTC saati)
Şirket Analizi2026/05/21 23:36
Gün Sonu Hisse Fiyatı2026/05/21 00:00
Kazançlar2026/03/31
Yıllık Kazançlar2025/12/31

Veri Kaynakları

Şirket analizimizde kullanılan veriler S&P Global Market Intelligence LLC'den alınmıştır. Bu raporu oluşturmak için analiz modelimizde aşağıdaki veriler kullanılmıştır. Veriler normalize edilmiştir, bu da kaynağın mevcut olmasından kaynaklanan bir gecikmeye neden olabilir.

PaketVeriZaman ÇerçevesiÖrnek ABD Kaynağı *
Şirket Finansalları10 yıl
  • Gelir tablosu
  • Nakit akış tablosu
  • Bilanço
Analist Konsensüs Tahminleri+3 yıl
  • Finansal tahminler
  • Analist fiyat hedefleri
Piyasa Fiyatları30 yıl
  • Hisse senedi fiyatları
  • Temettüler, Bölünmeler ve Eylemler
Sahiplik10 yıl
  • En büyük hissedarlar
  • İçeriden öğrenenlerin ticareti
Yönetim10 yıl
  • Liderlik ekibi
  • Yönetim Kurulu
Önemli Gelişmeler10 yıl
  • Şirket duyuruları

* ABD menkul kıymetleri için örnek, ABD dışı için eşdeğer düzenleyici formlar ve kaynaklar kullanılmıştır.

Belirtilmediği sürece tüm finansal veriler yıllık bir döneme dayanmaktadır ancak üç ayda bir güncellenmektedir. Bu, İzleyen On İki Ay (TTM) veya Son On İki Ay (LTM) Verileri olarak bilinir. Daha fazla bilgi edinin.

Analiz Modeli ve Kar Tanesi

Bu raporu oluşturmak için kullanılan analiz modelinin ayrıntılarına GitHub sayfamızdan ulaşabilirsiniz, ayrıca raporlarımızı nasıl kullanacağınızı anlatan kılavuzlarımız ve Youtube'da eğitim videolarımız da bulunmaktadır.

Simply Wall St analiz modelini tasarlayan ve oluşturan dünya standartlarındaki ekip hakkında bilgi edinin.

Endüstri ve Sektör Metrikleri

Sektör ve bölüm metriklerimiz Simply Wall St tarafından her 6 saatte bir hesaplanmaktadır, sürecimizin ayrıntıları Github'da mevcuttur.

Analist Kaynakları

Credit Acceptance Corporation 12 Bu analistlerden 3, raporumuzun girdisi olarak kullanılan gelir veya kazanç tahminlerini sunmuştur. Analistlerin gönderimleri gün boyunca güncellenmektedir.

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