Credit Acceptance Corporation (CACC) fair value analysis
Nasdaq · Updated 2026-10-19
CACC price how computed
Forward Fair Value verdict
UndervaluedCACC is trading at a 10–25% discount to estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $540.98
- Sector
- Financial Services
- 12-month range
- $411.04–$657.20
- Market cap
- $5.62B
- From 52-week high
- -17.7%
- Shares outstanding
- 10.4M
- Rank in Financial Services by discount to fair value
- #36 of 167
Last price is our stored weekly price from 2026-10-16, older than the 2026-10-19 run that built this page; the chart runs through 2026-10-16.
Credit Acceptance Corporation is a finance company that provides auto loans to consumers with limited credit histories or poor credit profiles. The company operates primarily in the United States, originating and servicing loans for vehicle purchases through its direct and indirect lending channels.
CACC currently ranks #36 of 167 Financial Services stocks by discount to fair value. It has screened as Undervalued for 6 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $5.62B
- P/E (trailing)
- 12x
- Revenue (TTM)
- $2.32B
- Net margin
- 21.6%
- EPS (TTM)
- $44.46
- Gross margin
- 99.0%
- Debt / equity
- 3.96
- Revenue growth (3-yr avg)
- 8.1%
- Shares outstanding
- 10.4M
Derived indicators how computed
- Quality grade
- B
- Margin trend
- Expanding
- 52-week position
- The upper-middle quarter of its range
Technicals how computed
- RSI (14-day)
- 38 · neutral
- 50-day average
- $572.62
- 200-day average
- $534.02
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Earnings how computed
- Next earnings report
- 2026-10-29
- Last 8 quarters vs consensus
- 5 beat, 3 missed
- Quarter by quarter
- 2026-06 ▲ beat (+2.3%)
2026-03 ▲ beat (+1.9%)
2025-12 ▲ beat (+15.2%)
2025-09 ▲ beat (+8.8%)
2025-06 ▼ miss (-12.9%)
2025-03 ▼ miss (-3.3%)
2024-12 ▲ beat (+28.2%)
2024-09 ▼ miss (-2.9%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 0 buy · 3 hold · 0 sell (3 analysts)
- Consensus lean
- Hold-leaning
- Consensus price target
- $597
- Target vs last price
- +10.4%
What our data shows for CACC
- Our model validated 17 trailing price-to-earnings windows for CACC, built from quarterly earnings records.
- Shares are trading in the middle of their 12-month price range of $411.04–$657.20.
- The 14-day relative strength index sits at a neutral 38.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for CACC
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent CACC news
TickrTrends' derived news-sentiment signal for CACC is currently leaning positive, computed from recent coverage.
- Credit Acceptance: A Proven Underwriter, Priced About Right (Hold) (NASDAQ:CACC) (seekingalpha.com, 2026-10-13)
TickrTrends take: Credit Acceptance operates in the Financial Services sector where TickrTrends currently identifies it as undervalued, yet the recent analyst assessment suggests the stock may be fairly priced at current levels. Investors focused on valuation should monitor whether the company's underwriting performance can justify further upside from this price point or whether current valuations already reflect appropriate compensation for its business model and market position. The divergence between the undervalued designation and the hold rating indicates that valuation improvement may require either operational outperformance or market reassessment of the company's risk profile. - Credit Acceptance: Attractive P/E, But Rising Credit And Regulatory Risks (NASDAQ:CACC) (seekingalpha.com, 2026-09-29)
TickrTrends take: Credit Acceptance operates in the Financial Services sector and is currently assessed as undervalued by TickrTrends valuation metrics. The company's attractive price-to-earnings ratio presents a potential opportunity, though valuation-focused investors should monitor the rising credit and regulatory risks highlighted in recent analysis, as these operational challenges could pressure future earnings and justify the market's current pricing. The gap between valuation appeal and underlying business risks suggests that fundamental developments in credit quality and regulatory compliance will be critical factors in determining whether the undervalued assessment holds. - Credit Acceptance (CACC) Settles with States. How Much Financial Risk Remains? (insidermonkey.com, 2026-09-23)
TickrTrends take: Credit Acceptance's settlement with state regulators represents a resolved compliance matter, though investors should monitor whether settlement costs impact near-term earnings or cash flow. Given TickrTrends' fairly valued assessment, the market appears to have already priced in the known financial obligations from this resolution. The more relevant valuation consideration for Financial Services investors is tracking whether regulatory actions affect CACC's lending practices and credit loss provisions going forward.
What people are saying
Follow the CACC conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — TickrTrends' derived indicators show that CACC has improved its relative valuation position within the Financial Services sector this week, moving from the 45th position to the 39th position in sector discount ranking. The stock remains assessed as undervalued at its current valuation level.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — CACC's sector discount rank declined to number 47 this week from number 37, indicating a reduced position among Financial Services companies trading at discounts to their derived valuations. Despite this shift in relative ranking, the stock maintains an undervalued verdict according to TickrTrends' current valuation assessment.
- 2026-10-05 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — TickrTrends' derived indicators for CACC show mixed developments this week. The stock's 50/200-day trend state declined from uptrend to mixed, while its sector discount rank improved from number 56 to number 42, reflecting better relative valuation positioning within the Financial Services sector. The valuation verdict shifted to Undervalued from the previous assessment of Fairly valued.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is CACC stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), CACC is trading at a 10–25% discount to estimated fair value and screens as undervalued. The exact fair value and discount are available to subscribers.
What is CACC's TickrTrends verdict?
CACC's current verdict is Undervalued, refreshed with every weekly Forward Fair Value run.
How does CACC compare to other Financial Services stocks?
CACC ranks #36 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is CACC overbought or oversold?
CACC's 14-day RSI is in neutral territory - neither overbought nor oversold.
When does CACC report earnings next?
CACC's next earnings report is scheduled for 2026-10-29, per the published earnings calendar.
Does CACC usually beat earnings estimates?
Over its last 8 reported quarters CACC beat the consensus estimate 5 times and missed 3 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about CACC?
Of 3 analysts covering CACC, 0 rate it a buy, 3 a hold and 0 a sell - hold-leaning, with a consensus price target of $597 (+10.4% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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