Credit Acceptance Corp (CACC)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-10-29
$575.78+5.67%
Close 2026-10-29 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-10-29
Research Workspace
Put CACC beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Consumer Finance is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
The reason to own it still holds.
View ThesisRevenue growth is slowing — up about 3% over the past year and decelerating.
View GrowthRanks among the strongest in its industry on quality — around the top 11%.
View QualityManagement screens strong on capital allocation, earnings delivery.
View ManagementExpectations look reasonable — what the market is pricing in sits in line with or below what analysts forecast.
View ValuationModerate volatility — typically moves about 1% a day.
View RiskCACC’s thesis rests on steady financial performance, with cash backing its reported profits. Its latest quarter beat earnings estimates, though reported revenue fell short. It trades at 4× P/B versus a 1× peer median, near its 4× historical multiple. The price reflects less growth than our view expects. A 24% next-quarter miss probability and state settlements threaten the case. Peer multiples imply a price roughly in line with where it trades (about fair). Our read remains intact, though this read is provisional.
Trailing returns as of 2026-10-29. CACC is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 3 analysts currently covering CACC (as of Oct 2026).
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
Continue this research
Compare CACC with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
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| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| CACC Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 9 valuation methods, at three horizons. As of 2026-10-29. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Consumer Finance — fair value, gap to price, and forward P/E.
Compare the value case
Put CACC next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Settlement may indicate ongoing legal risks affecting operations.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-10-29. EPS is implied from price ÷ P/E. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Above average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Threatens: Maintain disciplined capital allocation including securitizations
Settlement may impact capital allocation and future operations.
Advances: Maintain disciplined capital allocation including securitizations
Extending warehouse facility supports disciplined capital allocation.
New financing could impact EPS guidance and growth outlook.
Advances: Invest in technology and AI to improve operations
New CTO enhances technology and AI investment strategy.
Threatens: Achieve EPS guidance
Earnings miss impacts EPS guidance achievement.
Advances: Invest in technology and AI to improve operations
AI segmentation aligns with tech investment goals.
Threatens: Maintain positive net income
Subprime loan stress may impact net income.
