Credit Acceptance Corporation (CACC) Stock

Credit Acceptance Corporation (CACC) is a Financials stock trading at $584.97 (as of 2026-08-20), with a market capitalization of $6.07B and a trailing P/E of 12.1. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Credit Acceptance Corporation provides financing programs and related products and services to independent and franchised automobile dealers in the United States. It advances funds to dealers for the right to service consumer loans, purchases those loans, and may retain portions of collections; it also participates in reinsuring vehicle service contract coverage tied to financed vehicles.

Understand Credit Acceptance Corporation: how it makes money

Credit Acceptance Corporation provides financing programs and services to independent and franchised automobile dealers in the United States, it advances money to dealers for the right to service underlying consumer loans and also buys those consumer loans, then it earns from amounts collected from consumers and also earns from reinsuring vehicle service contract coverage.

CACC funds dealer-originated consumer auto loans, then profits primarily from servicing and collections on the loans it owns (plus related reinsurance on dealer-sold vehicle service contracts).

Business quality (Solid): Clear operating model around dealer-originated consumer loan servicing and collections, but the provided dataset lacks segment revenue detail and does not include key credit quality metrics beyond a single delinquency rate.

Valuation: At 14× earnings, CACC trades 13% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Loan servicing and collections drive results: The company advances and buys consumer auto loans from dealers and keeps various amounts collected from consumers, so cash collections are central to the business.
Ongoing scale in dealer relationships: It reports Active Dealers (End of Period) of 10,678 and Dealer Enrollments of 1,526, indicating continued dealer participation.

Bear case

Credit performance can deteriorate: The Sixty-Day Delinquency Rate is 6.56 percent, and higher delinquency can pressure collections and profitability.
Loan assignment activity can slow: The Consumer Loan Assignment Dollar Volume decline is 15.5 percent, which can reduce new loan volume feeding future collections.
Execution risk in dealer and contract volumes: Dealer activity metrics such as New Active Dealers (1,195) and Loan Assignment Unit Volume (386,126) highlight dependence on maintaining dealer participation and origination volume.

Valuation — source: SEC EDGAR (first-party)
Price	$584.97
Market Cap	$6.07B
P/E Ratio	12.1
EV / EBITDA	8.6
Price / Book	3.82
Price / Sales	2.61
FCF Yield	20.1%
DCF Value (model)	$742.01
DCF Upside vs Price	26.8%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$2.32B
Net Margin	18.3%
Revenue Growth (YoY)	0.6%
EPS Growth (YoY)	71.8%
FCF Growth (YoY)	120.9%

Valuation vs Sector & Industry
Stock P/E	12.1
Sector P/E (Financials)	15.1
Industry P/E (Banking)	12.9
vs Sector	-20.1%
vs Industry	-6.3%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	Prescott General Partners LLC ($608.49M)
Institutional Holders Tracked	10

Company
Sector	Financials
Industry	Banking
CEO	Vinayak R.
Employees	2,431
Country	US
IPO Date	1992-06-05

Related Companies (Business model: Specialty Finance / Lending; 8 closest by market cap; US-domiciled)

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.