Credit Acceptance (CACC) Financials: Revenue & Earnings

CACC price $539.85 -2.67 -0.49%

Ticker
CACC
Price
$539.85
Change
-2.67 -0.49%
Market cap ?
$5.60B
P/E ?
11.58
Forward P/E ?
11.08
Dividend yield ?
0.00%
Beta ?
1.40
Sector
Financial Services
Industry
Financial - Credit Services
Stocklytics score
59
Value
64
Quality
77
Growth
36

Stocklytics score rationale: value 64, quality 77, growth 36.

Financials

2016201720182019202020212022202320242025
965200000110720000012800000001479400000166520000018509000001823000000187980000021343000002317200000

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…

Fair value

CACC fair value $709.92. Price $539.85. Price is 24% below fair value.

Below fair value, but more expensive than usual. A smaller discount than on 75% of days in the past 5 years.

Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.

Calculated with a 10-year free-cash-flow discount. Starting free cash flow 1.22B. Growth 2.14%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 12.00% (beta 1.4). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 10.38M. Net debt 5.85B. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the stock's own 10-year median P/E, kept between 8 and 40. Fewer than five years of history uses the sector's typical P/E. Fair value is the average of the cash-flow value and the earnings value when both exist. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.

Compare CACC

Earnings

DateEPS actualEPS estimateRevenueRevenue estimate
2026-10-29—12.86—596.40M
2026-08-0412.1212.20587.40M588.07M
2026-05-0510.7110.61580.00M580.77M
2026-01-2911.3510.30579.90M585.37M
2025-10-3010.289.87576.40M593.77M
2025-07-318.569.84575.60M589.70M
2025-04-308.6610.31562.30M567.20M
2025-01-3012.267.70557.70M564.70M
2024-10-308.799.21550.30M548.13M
2024-07-313.838.86538.20M525.03M
2024-04-309.289.13508.00M497.71M
2024-01-317.295.43491.60M489.53M
2023-10-305.435.71473.20M487.25M
2023-08-011.698.18460.80M463.86M
2023-05-017.618.81438.50M458.20M
2023-01-319.587.16433.10M452.89M
2022-11-016.4910.33437.00M459.07M
2022-08-017.9412.89455.80M454.77M
2022-05-0214.9412.37437.90M443.42M
2022-01-3114.6012.69444.90M459.36M
2021-11-0115.7912.02457.50M459.87M
2021-07-2917.1810.36461.20M471.70M
2021-04-2911.827.92450.80M420.39M
2021-02-019.437.21433.00M429.19M
2020-10-2913.565.69426.30M178.76M
2020-07-305.404.84392.40M364.92M
2020-05-27-4.614.15388.90M310.60M
2020-01-308.608.85368.90M397.12M
2019-11-018.738.95378.60M388.24M
2019-07-308.688.46370.50M361.21M
2019-04-298.657.87353.80M321.90M
2019-01-307.797.29326.20M320.80M
2018-10-297.756.90330.10M295.59M
2018-07-317.756.52314.00M265.34M
2018-05-036.176.19294.90M296.56M
2018-01-303.965.27272.50M381.38M
2017-10-305.194.99269.70M272.96M
2017-07-315.094.67262.30M253.23M
2017-05-014.724.37248.10M243.31M
2017-01-314.334.26243.00M252.06M

Dividends

Yield 0.00%. Payout ratio 0.00%. Frequency —.

Safety score 37/100 · Watch. Payout ratio is 0% of earnings. Free-cash-flow coverage is not available, so this part stays neutral. No dividend history was found. There is no dividend yield.

Ex-dateDividendRecordPaymentFrequency
No data yet.

Insider trades

DateInsiderActionSharesPriceValue
2026-07-27Billante Joseph IIIOther0——
2026-07-16Watson Jill FossSell977$640.15625.43K
2026-07-16Watson Jill FossSell457$641.31293.08K
2026-07-16Watson Jill FossSell2$642.081.28K
2026-07-02Watson Jill FossSell184$646.77119.01K
2026-07-02Watson Jill FossSell53$648.6834.38K
2026-07-02Watson Jill FossSell413$649.76268.35K
2026-07-02Watson Jill FossSell447$650.92290.96K
2026-07-02Watson Jill FossSell1.04K$651.80675.92K
2026-07-02Watson Jill FossSell689$653.08449.97K
2026-07-02Watson Jill FossSell819$653.79535.45K
2026-07-02Watson Jill FossSell869$654.76568.99K
2026-07-02Watson Jill FossSell175$657.11114.99K
2026-07-02Watson Jill FossSell156$659.02102.81K
2026-07-02Watson Jill FossSell181$661.67119.76K
2026-07-02Watson Jill FossSell503$663.28333.63K
2026-07-02Watson Jill FossSell813$664.11539.92K
2026-07-02Watson Jill FossSell81$665.2853.89K
2026-07-02Watson Jill FossSell80$666.2253.30K
2026-07-02Watson Jill FossSell1.13K$648.32732.60K
2026-07-02Watson Jill FossSell1.50K$649.38976.02K
2026-07-02Watson Jill FossSell1.20K$650.66782.74K
2026-07-02Watson Jill FossSell562$651.94366.39K
2026-07-02Watson Jill FossSell102$652.7066.58K
2026-07-02Prescott General Partners LLCSell9.89K$655.726.49M
2026-06-26Elliott Nicholas JBuy2.31K$333.94770.07K
2026-06-26Elliott Nicholas JSell173$625.29108.18K
2026-06-26Elliott Nicholas JSell449$627.44281.72K
2026-06-26Elliott Nicholas JSell683$628.94429.57K
2026-06-26Elliott Nicholas JSell17$629.7810.71K
2026-06-26Elliott Nicholas JSell360$631.29227.26K
2026-06-26Elliott Nicholas JSell324$632.81205.03K
2026-06-26Elliott Nicholas JSell180$633.93114.11K
2026-06-26Elliott Nicholas JSell120$634.8376.18K
2026-06-26Elliott Nicholas JSell2.31K$333.94770.07K
2026-06-26KERBER ERIN JBuy3.30K$454.111.50M
2026-06-26KERBER ERIN JSell397$625.37248.27K
2026-06-26KERBER ERIN JSell581$627.12364.36K
2026-06-26KERBER ERIN JSell785$627.71492.75K
2026-06-26KERBER ERIN JSell1.27K$628.93798.11K
2026-06-26KERBER ERIN JBuy2.42K$333.94807.13K
2026-06-26KERBER ERIN JSell305$629.83192.10K
2026-06-26KERBER ERIN JSell1.00K$631.49631.49K
2026-06-26KERBER ERIN JSell1.14K$632.63723.10K
2026-06-26KERBER ERIN JSell240$634.57152.30K
2026-06-26KERBER ERIN JSell3.30K$454.111.50M
2026-06-26KERBER ERIN JSell2.42K$333.94807.13K
2026-06-25Elliott Nicholas JBuy1.18K$333.94395.05K
2026-06-25Elliott Nicholas JSell547$625.39342.09K
2026-06-25Elliott Nicholas JSell132$626.0082.63K
2026-06-25Elliott Nicholas JSell24$627.8015.07K
2026-06-25Elliott Nicholas JSell240$628.25150.78K
2026-06-25Elliott Nicholas JSell240$629.95151.19K
2026-06-25Elliott Nicholas JSell1.18K$333.94395.05K
2026-06-25KERBER ERIN JBuy1.70K$454.11770.62K
2026-06-25KERBER ERIN JBuy1.24K$333.94414.09K
2026-06-25KERBER ERIN JSell526$625.53329.03K
2026-06-25KERBER ERIN JSell337$625.40210.76K
2026-06-25KERBER ERIN JSell278$626.87174.27K
2026-06-25KERBER ERIN JSell25$627.5115.69K
2026-06-25KERBER ERIN JSell634$626.42397.15K
2026-06-25KERBER ERIN JSell114$627.6871.56K
2026-06-25KERBER ERIN JSell240$628.26150.78K
2026-06-25KERBER ERIN JSell183$628.73115.06K
2026-06-25KERBER ERIN JSell360$629.39226.58K
2026-06-25KERBER ERIN JSell240$629.95151.19K
2026-06-25KERBER ERIN JSell1.70K$454.11770.62K
2026-06-25KERBER ERIN JSell1.24K$333.94414.09K
2026-06-24LUM JONATHANBuy6.00K$333.942.00M
2026-06-24LUM JONATHANSell6.00K$600.003.60M
2026-06-24LUM JONATHANSell6.00K$333.942.00M
2026-06-24Martin Jay DBuy3.00K$333.941.00M
2026-06-24Martin Jay DSell1.68K$600.301.01M
2026-06-24Martin Jay DSell737$601.32443.17K
2026-06-24Martin Jay DSell416$602.49250.64K
2026-06-24Martin Jay DSell163$603.7198.40K
2026-06-24Martin Jay DSell3.00K$333.941.00M
2026-06-24Elliott Nicholas JBuy3.49K$333.941.16M
2026-06-24Elliott Nicholas JSell1.70K$600.291.02M
2026-06-24Elliott Nicholas JSell1.26K$601.25758.18K
2026-06-24Elliott Nicholas JSell355$602.43213.86K
2026-06-24Elliott Nicholas JSell175$603.45105.60K
2026-06-24Elliott Nicholas JSell3.49K$333.941.16M
2026-06-24KERBER ERIN JBuy5.00K$454.112.27M
2026-06-24KERBER ERIN JBuy3.66K$333.941.22M
2026-06-24KERBER ERIN JSell2.71K$600.321.63M
2026-06-24KERBER ERIN JSell2.38K$600.271.43M
2026-06-24KERBER ERIN JSell1.62K$601.25974.63K
2026-06-24KERBER ERIN JSell825$601.37496.13K
2026-06-24KERBER ERIN JSell319$602.46192.18K
2026-06-24KERBER ERIN JSell204$602.63122.94K
2026-06-24KERBER ERIN JSell250$603.63150.91K
2026-06-24KERBER ERIN JSell351$603.58211.86K
2026-06-24KERBER ERIN JSell5.00K$454.112.27M
2026-06-24KERBER ERIN JSell3.66K$333.941.22M
2026-06-17Elliott Nicholas JBuy3$333.941.00K
2026-06-17Elliott Nicholas JSell1$581.70582
2026-06-17Elliott Nicholas JSell2$575.931.15K
2026-06-17Elliott Nicholas JSell3$333.941.00K
2026-06-17KERBER ERIN JBuy2$333.94668

Institutional holders

Latest filed quarter: Q2 2026.

Institutions holding: 308, holders +39 vs prior quarter. Ownership 73.37%.

HolderSharesChangeChange %Value
PRESCOTT GENERAL PARTNERS LLC1.44M00.00%914.96M
BLACKROCK, INC.642.10K410.46K+177.20%408.85M
BOSTON PARTNERS573.62K13.41K+2.39%365.10M
GOBI CAPITAL LLC358.07K00.00%228.00M
BECK MACK & OLIVER LLC305.98K-3.00K-0.97%194.83M
WELLINGTON MANAGEMENT GROUP LLP260.08K1.19K+0.46%165.61M
DIMENSIONAL FUND ADVISORS LP237.44K6.73K+2.92%151.19M
VANGUARD PORTFOLIO MANAGEMENT LLC225.24K52.86K+30.66%143.42M
UNIVERSAL- BETEILIGUNGS- UND SERVICEGESELLSCHAFT MBH213.68K-17.65K-7.63%136.06M
VANGUARD CAPITAL MANAGEMENT LLC208.41K-4.62K-2.17%132.70M
SMEAD CAPITAL MANAGEMENT, INC.198.81K-11.66K-5.54%126.59M
STATE STREET CORP176.92K82.66K+87.69%112.65M
GOLDMAN SACHS GROUP INC169.01K106.74K+171.40%107.62M
FMR LLC162.45K58.19K+55.81%103.44M
UBS GROUP AG153.56K148.56K+2971.26%97.78M
AXXION S.A.140.74K140.74KNew89.61M
AMERICAN CENTURY COMPANIES INC119.23K27.49K+29.97%75.92M
RV CAPITAL AG108.27K-15.89K-12.80%68.94M
GOODNOW INVESTMENT GROUP, LLC106.13K-10.24K-8.80%67.58M
NORTHERN TRUST CORP103.97K15.07K+16.95%66.21M
GEODE CAPITAL MANAGEMENT, LLC98.92K-3.59K-3.50%63.00M
SIXTH STREET PARTNERS MANAGEMENT COMPANY, L.P.91.57K91.57KNew58.31M
CHARLES SCHWAB INVESTMENT MANAGEMENT INC91.57K653+0.72%58.31M
ALFRETON CAPITAL LLP90.00K-25.00K-21.74%57.31M
MORGAN STANLEY87.61K11.19K+14.64%55.79M

Earnings and financials

Credit Acceptance Corporation (CACC) trades at $539.85, with a market cap of $5.60B and a trailing P/E of 11.58. Revenue below is the annual history on file. It describes what the business has already reported. It is not a forecast and it is not a recommendation.

Financials

2016201720182019202020212022202320242025
965200000110720000012800000001479400000166520000018509000001823000000187980000021343000002317200000

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Credit Acceptance (CACC) Financials: Revenue & Earnings

CACC$539.85-2.67 -0.49%

$5.60B

Market Cap

11.58

P/E

11.08

Forward P/E

59

Score

Price History