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Financial Services - Financial - Credit Services - NASDAQ - US
$ 502.25
-0.345 %
$ 5.83 B
Market Cap
21.41
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one CACC stock under the worst case scenario is HIDDEN Compared to the current market price of 502 USD, Credit Acceptance Corporation is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one CACC stock under the base case scenario is HIDDEN Compared to the current market price of 502 USD, Credit Acceptance Corporation is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one CACC stock under the best case scenario is HIDDEN Compared to the current market price of 502 USD, Credit Acceptance Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CACC

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$530.0$530.0$520.0$520.0$510.0$510.0$500.0$500.0$490.0$490.0$480.0$480.0$470.0$470.0$460.0$460.0$450.0$450.0$440.0$440.0Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
FINANCIALS
2.13 B REVENUE
12.22%
325 M OPERATING INCOME
-26.13%
248 M NET INCOME
-13.35%
1.14 B OPERATING CASH FLOW
-5.47%
-1.72 B INVESTING CASH FLOW
-21.48%
957 M FINANCING CASH FLOW
259.62%
562 M REVENUE
0.82%
134 M OPERATING INCOME
-27.00%
106 M NET INCOME
-30.02%
346 M OPERATING CASH FLOW
13.06%
-292 M INVESTING CASH FLOW
-55.77%
221 M FINANCING CASH FLOW
2178.35%
Balance Sheet Credit Acceptance Corporation
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Current Assets 8.71 B
Cash & Short-Term Investments 951 M
Receivables 7.85 B
Other Current Assets -92.8 M
Non-Current Assets 146 M
Long-Term Investments 0
PP&E 14.7 M
Other Non-Current Assets 131 M
10.74 %88.66 %Total Assets$8.9b
Current Liabilities 433 M
Accounts Payable 316 M
Short-Term Debt 0
Other Current Liabilities 117 M
Non-Current Liabilities 6.67 B
Long-Term Debt 0
Other Non-Current Liabilities 6.67 B
4.44 %93.91 %Total Liabilities$7.1b
EFFICIENCY
Earnings Waterfall Credit Acceptance Corporation
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Revenue 2.13 B
Cost Of Revenue 802 M
Gross Profit 1.33 B
Operating Expenses 1.01 B
Operating Income 325 M
Other Expenses 77.2 M
Net Income 248 M
3b3b2b2b2b2b1b1b500m500m002b(802m)1b(1b)325m(77m)248mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
62.41% GROSS MARGIN
62.41%
15.23% OPERATING MARGIN
15.23%
11.62% NET MARGIN
11.62%
14.17% ROE
14.17%
2.80% ROA
2.80%
2.90% ROIC
2.90%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Credit Acceptance Corporation
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1b1b1b1b1b1b800m800m600m600m400m400m200m200m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 248 M
Depreciation & Amortization 27.8 M
Capital Expenditures -1.8 M
Stock-Based Compensation 45 M
Change in Working Capital 48.4 M
Others 881 M
Free Cash Flow 1.14 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Credit Acceptance Corporation
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Wall Street analysts predict an average 1-year price target for CACC of $500 , with forecasts ranging from a low of $500 to a high of $500 .
CACC Lowest Price Target Wall Street Target
500 USD -0.45%
CACC Average Price Target Wall Street Target
500 USD -0.45%
CACC Highest Price Target Wall Street Target
500 USD -0.45%
Price
Max Price Target
Min Price Target
Average Price Target
620620600600580580560560540540520520500500480480460460440440420420400400Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 5
6. Ownership
Insider Ownership Credit Acceptance Corporation
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Sold
0-3 MONTHS
41.4 M USD 2
3-6 MONTHS
1.7 M USD 2
6-9 MONTHS
270 K USD 1
9-12 MONTHS
6.64 M USD 3
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
1.78 M USD 1
9-12 MONTHS
7. News
Why Is Credit Acceptance (CACC) Up 3.3% Since Last Earnings Report? Credit Acceptance (CACC) reported earnings 30 days ago. What's next for the stock? zacks.com - 1 month ago
CACC's Q1 Earnings Miss, Stock Gains 2.6% on Higher Finance Charges Higher operating expenses hurt Credit Acceptance's Q1 earnings, while a rise in revenues, lower provisions and an increase in net loan receivables offer support. zacks.com - 2 months ago
Credit Acceptance Corporation (CACC) Q1 2025 Earnings Call Transcript Credit Acceptance Corporation (NASDAQ:CACC ) Q1 2025 Earnings Call April 30, 2025 5:00 PM ET Company Participants Jay Martin - Chief Financial Officer Ken Booth - Chief Executive Officer Doug Busk - Chief Treasury Officer Jay Brinkley - Senior Vice President and Treasurer Conference Call Participants Moshe Orenbuch - TD Cowen Robert Wildhack - Autonomous Research John Rowan - Janney Jordan Hymowitz - Philadelphia Financial Operator Good day, everyone and welcome to the Credit Acceptance Corporation First Quarter 2025 Earnings Call. Today's call is being recorded. seekingalpha.com - 2 months ago
Compared to Estimates, Credit Acceptance (CACC) Q1 Earnings: A Look at Key Metrics Although the revenue and EPS for Credit Acceptance (CACC) give a sense of how its business performed in the quarter ended March 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 2 months ago
Credit Acceptance (CACC) Misses Q1 Earnings Estimates Credit Acceptance (CACC) came out with quarterly earnings of $8.66 per share, missing the Zacks Consensus Estimate of $10.31 per share. This compares to earnings of $5.08 per share a year ago. zacks.com - 2 months ago
Credit Acceptance Announces First Quarter 2025 Results Southfield, Michigan, April 30, 2025 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) today announced consolidated net income of $106.3 million, or $8.66 per diluted share, for the three months ended March 31, 2025. Adjusted net income, a non-GAAP financial measure, for the three months ended March 31, 2025 was $114.8 million, or $9.35 per diluted share. The following table summarizes our financial results: globenewswire.com - 2 months ago
Credit Acceptance Welcomes CFPB's Withdrawal From Lawsuit Southfield, Michigan, April 24, 2025 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) announced today that on April 24, 2025, the Consumer Financial Protection Bureau (“CFPB”) filed an unopposed motion to withdraw from the lawsuit that it initiated jointly on January 4, 2023, with the Office of the New York State Attorney General (NYAG) against Credit Acceptance in the United States District Court for the Southern District of New York. As of the filing of the CFPB's motion, Credit Acceptance's motion to dismiss the case in its entirety remains fully briefed and pending before the Court. Credit Acceptance expects that, if the CFPB's motion is granted, the NYAG would be the sole remaining plaintiff, and the case would thus be limited to New York consumers only. globenewswire.com - 2 months ago
Credit Acceptance Announces Timing of First Quarter 2025 Earnings Release and Webcast Southfield, Michigan, April 23, 2025 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) announced today that we expect to issue a news release with our first quarter 2025 earnings on Wednesday, April 30, 2025, after the market closes. A webcast is scheduled for Wednesday, April 30, 2025, at 5:00 p.m. Eastern Time to discuss first quarter 2025 earnings. globenewswire.com - 2 months ago
Credit Acceptance Recognized with Multiple 2025 Top Workplaces Spring Culture Excellence Awards Southfield, Michigan, April 23, 2025 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) is proud to announce our recognition as a 2025 Spring Culture Excellence Top Workplaces award winner in the following five categories: Work-Life Flexibility, Leadership, Innovation, Purpose & Values, and Compensation & Benefits. globenewswire.com - 2 months ago
Credit Acceptance (CACC) Surges 7.0%: Is This an Indication of Further Gains? Credit Acceptance (CACC) was a big mover last session on higher-than-average trading volume. The latest trend in earnings estimate revisions might not help the stock continue moving higher in the near term. zacks.com - 2 months ago
Credit Acceptance Announces Completion of $400.0 Million Asset-Backed Financing Southfield, Michigan, March 27, 2025 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) announced today the completion of a $400.0 million asset-backed non-recourse secured financing (the “Financing”). Pursuant to this transaction, we conveyed loans having a value of approximately $500.2 million to a wholly owned special purpose entity which will transfer the loans to a trust, which will issue three classes of notes: globenewswire.com - 3 months ago
Best Value Stocks to Buy for March 27th TAP, ASLE and CACC made it to the Zacks Rank #1 (Strong Buy) value stocks list on March 27, 2025. zacks.com - 3 months ago
8. Profile Summary

Credit Acceptance Corporation CACC

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 5.83 B
Dividend Yield 0.00%
Description 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.
Contact 25505 West Twelve Mile Road, Southfield, MI, 48034-8339 https://www.creditacceptance.com
IPO Date June 5, 1992
Employees 2431
Officers Mr. Kenneth S. Booth Chief Executive Officer, President & Director Mr. Ravi Mohan Valiyaveettil Chief Technology Officer Mr. Andrew K. Rostami Chief Marketing & Product Officer Ms. Wendy A. Rummler Chief People Officer Mr. Jonathan L. Lum Chief Operating Officer Mr. Nicholas J. Elliott Chief Alignment Officer Mr. Daniel A. Ulatowski Chief Sales Officer Mr. Jay D. Martin Chief Financial Officer Mr. Arthur L. Smith Chief Analytics Officer Ms. Erin J. Kerber Chief Legal Officer, Chief Compliance Officer & Secretary