CACC - NASDAQ

Credit Acceptance Corporation

Credit Acceptance Corporation

CACCยทNASDAQ

$541.58

-3.6%
Financial ServicesFinancial - Credit Services

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.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$5.66B
EPS38.2600
P/E Ratio14.16
Earnings Date07/30/2026
Credit Acceptance Corporation

Credit Acceptance Corporation Fair Value Envelope

CACC ยท NASDAQ

Our analysis suggests that CACC has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $541.58, this represents a potential HIDDEN relative to our calculated worth for Credit Acceptance Corporation.

HIDDEN
Intrinsic Value
Current Price: $541.58

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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$
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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$8.9B
+ Cash & Equivalents$500.7M
Firm Value$9.4B
- Debt$6.4B
Equity Value$3.0B
/ Shares Outstanding11,034,004B
DCF Value$274
OVERVALUED BY 49%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$977.5M
$906.0M
$839.7M
$778.3M
$721.4M
$668.6M
$619.7M
$574.4M
$532.3M
$493.4M
Maintenance CapEx
-$296.6K
-$274.9K
-$254.8K
-$236.2K
-$218.9K
-$202.9K
-$188.0K
-$174.3K
-$161.5K
-$149.7K
Owner Earnings
$977.2M
$905.7M
$839.4M
$778.0M
$721.1M
$668.4M
$619.5M
$574.2M
$532.2M
$493.3M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$904.8M
$776.5M
$666.4M
$571.9M
$490.8M
$421.2M
$361.5M
$310.2M
$266.2M
$228.5M
Terminal Value represents 43.7% of Enterprise Value

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