CACC
Credit Acceptance Corporation
Price Chart
Latest Quote
$579.73
+16.41 (+2.91%)
Current Price
| Previous Close | $563.32 |
| Open | $563.69 |
| Day High | $584.31 |
| Day Low | $563.01 |
| Volume | 781,777 |
Stock Information
| Shares Outstanding | 10.46M |
| Total Debt | $6.41B |
| Cash Equivalents | $25.70M |
| Revenue | $1.28B |
| Net Income | $453.40M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $6.06B |
| P/E Ratio | 14.45 |
| EPS (TTM) | $40.13 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $12.39B |
| Sales | $1.28B |
| Income | $453.40M |
| Book/sh | $145.26 |
| Cash/sh | $2.46 |
| Employees | 2K |
Financial Ratios
| Quick Ratio | 3.63 |
| Current Ratio | 3.87 |
| Debt/Eq | 423.26 |
| EPS Growth TTM | 27.80% |
Returns & Margins
| ROA | 5.05% |
| ROE | 28.12% |
| Gross Margin | 94.40% |
| Operating Margin | 52.71% |
| Profit Margin | 35.54% |
Ownership
| Insider Ownership | 53.07% |
| Institutional Ownership | 69.42% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 10.59 |
| PEG | 1.77 |
| P/S | 4.75 |
| P/B | 3.99 |
Analyst Data
| Recommendation | none |
| Target Price | $536.67 |
Technical Indicators
| SMA20 | $557.30 |
| SMA50 | $533.75 |
| SMA200 | $486.37 |
| RSI | 52.15 |
| ATR | 21.2386 |
| Shares Float | 5.93M |
| Short Float | 25.21% |
| Short Ratio | 5.78 |
| Volatility | 1.39 |
| Rel Volume | 5.18 |
Performance History
| Week | +5.63% |
| Month | +5.80% |
| Quarter | +28.89% |
| 6 Months | +27.45% |
| YTD | +27.72% |
| Year | +15.97% |
| 3 Years | +14.65% |
| 5 Years | +35.53% |
| 10 Years | +224.51% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $579.73 | 1,000,700 |
| 2026-06-17 | $563.32 | 172,500 |
| 2026-06-16 | $574.10 | 142,500 |
| 2026-06-15 | $572.79 | 180,600 |
| 2026-06-12 | $548.15 | 151,000 |
| 2026-06-11 | $548.85 | 198,400 |
| 2026-06-10 | $557.21 | 163,000 |
| 2026-06-09 | $569.32 | 197,600 |
| 2026-06-08 | $562.66 | 317,800 |
| 2026-06-05 | $544.71 | 80,700 |
| 2026-06-04 | $548.40 | 68,800 |
| 2026-06-03 | $541.58 | 98,100 |
| 2026-06-02 | $541.94 | 186,800 |
| 2026-06-01 | $561.67 | 126,300 |
| 2026-05-29 | $573.64 | 239,100 |
| 2026-05-28 | $560.41 | 166,500 |
| 2026-05-27 | $552.79 | 100,700 |
| 2026-05-26 | $552.00 | 88,900 |
| 2026-05-22 | $544.80 | 66,600 |
| 2026-05-21 | $547.98 | 118,300 |
| 2026-05-20 | $557.94 | 103,900 |
| 2026-05-19 | $547.93 | 119,000 |
About Credit Acceptance Corporation
Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.
đ° Latest News
Credit Acceptance (CACC) Up 0.3% Since Last Earnings Report: Can It Continue?
Zacks âĸ 2026-06-04T15:30:09Z
What to Know About a New $18 Million Bet on Cal-Maine Foods
Motley Fool âĸ 2026-05-30T18:21:27Z
Credit Acceptance (CACC) Is Up 6.5% After Q1 Earnings, New ABS Deal and Buybacks - What's Changed
Simply Wall St. âĸ 2026-05-18T22:12:10Z
TPG, Carlyle, Ridgepost Capital, Ares, and Credit Acceptance Stocks Trade Up, What You Need To Know
StockStory âĸ 2026-05-18T20:44:55Z
Alfreton Capital Sees Opportunity in CCC, Buys 1.98M Shares
Motley Fool âĸ 2026-05-16T04:09:17Z
3 Small-Cap Stocks Walking a Fine Line
StockStory âĸ 2026-05-15T17:40:55Z
Credit Acceptance (CACC) Upgraded to Buy: What Does It Mean for the Stock?
Zacks âĸ 2026-05-15T16:00:01Z
The Top 5 Analyst Questions From Credit Acceptanceâs Q1 Earnings Call
StockStory âĸ 2026-05-15T03:56:55Z
Assessing Credit Acceptance (CACC) Valuation After Recent Share Price Momentum
Simply Wall St. âĸ 2026-05-11T20:15:23Z
CACC Q1 Earnings Beat as Revenues Grow Y/Y & Provisions Decline
Zacks âĸ 2026-05-06T14:18:00Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Reconciled Cost Of Revenue | $871,700,000 | $802,200,000 | $617,400,000 | $475,000,000 |
| Cost Of Revenue | $871,700,000 | $802,200,000 | $617,400,000 | $475,000,000 |
| Total Revenue | $2,287,900,000 | $2,134,300,000 | $1,879,800,000 | $1,823,000,000 |
| Operating Revenue | $2,287,900,000 | $2,134,300,000 | $1,879,800,000 | $1,823,000,000 |
| Expenses | ||||
| Total Expenses | $1,668,000,000 | $1,809,200,000 | $1,532,500,000 | $1,120,700,000 |
| Other Income Expense | $-82,000,000 | $-21,800,000 | $600,000 | $2,800,000 |
| Other Non Operating Income Expenses | $1,800,000 | $1,900,000 | $2,400,000 | $2,800,000 |
| Net Non Operating Interest Income Expense | $27,500,000 | $26,200,000 | $19,700,000 | $6,600,000 |
| Operating Expense | $796,300,000 | $1,007,000,000 | $915,100,000 | $645,700,000 |
| Selling And Marketing Expense | $101,400,000 | $94,400,000 | $91,700,000 | $75,600,000 |
| General And Administrative Expense | $78,800,000 | $97,900,000 | $87,200,000 | $88,700,000 |
| Other Operating Expenses | - | - | - | $100,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $423,900,000 | $247,900,000 | $286,100,000 | $535,800,000 |
| Net Interest Income | $27,500,000 | $26,200,000 | $19,700,000 | $6,600,000 |
| Interest Income | $27,500,000 | $26,200,000 | $19,700,000 | $6,600,000 |
| Normalized Income | $486,750,000 | $265,722,400 | $287,500,400 | $535,800,000 |
| Net Income From Continuing And Discontinued Operation | $423,900,000 | $247,900,000 | $286,100,000 | $535,800,000 |
| Net Income Common Stockholders | $423,900,000 | $247,900,000 | $286,100,000 | $535,800,000 |
| Net Income | $423,900,000 | $247,900,000 | $286,100,000 | $535,800,000 |
| Net Income Including Noncontrolling Interests | $423,900,000 | $247,900,000 | $286,100,000 | $535,800,000 |
| Net Income Continuous Operations | $423,900,000 | $247,900,000 | $286,100,000 | $535,800,000 |
| Pretax Income | $565,400,000 | $329,500,000 | $367,600,000 | $711,700,000 |
| Special Income Charges | $-83,800,000 | $-23,700,000 | $-1,800,000 | $0 |
| Interest Income Non Operating | $27,500,000 | $26,200,000 | $19,700,000 | $6,600,000 |
| Operating Income | $619,900,000 | $325,100,000 | $347,300,000 | $702,300,000 |
| Gross Profit | $1,416,200,000 | $1,332,100,000 | $1,262,400,000 | $1,348,000,000 |
| Per Share | ||||
| Diluted EPS | $36.38 | $19.88 | $21.99 | $39.32 |
| Basic EPS | $37.02 | $20.12 | $22.09 | $39.50 |
| Other | ||||
| Tax Effect Of Unusual Items | $-20,950,000 | $-5,877,600 | $-399,600 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $730,300,000 | $376,600,000 | $375,700,000 | $727,900,000 |
| Total Unusual Items | $-83,800,000 | $-23,700,000 | $-1,800,000 | $0 |
| Total Unusual Items Excluding Goodwill | $-83,800,000 | $-23,700,000 | $-1,800,000 | $0 |
| Reconciled Depreciation | $26,600,000 | $27,800,000 | $26,600,000 | $25,600,000 |
| EBITDA (Bullshit earnings) | $646,500,000 | $352,900,000 | $373,900,000 | $727,900,000 |
| EBIT | $619,900,000 | $325,100,000 | $347,300,000 | $702,300,000 |
| Diluted Average Shares | $11,650,773 | $12,469,283 | $13,010,735 | $13,625,081 |
| Basic Average Shares | $11,451,578 | $12,323,261 | $12,953,424 | $13,563,885 |
| Diluted NI Availto Com Stockholders | $423,900,000 | $247,900,000 | $286,100,000 | $535,800,000 |
| Tax Provision | $141,500,000 | $81,600,000 | $81,500,000 | $175,900,000 |
| Gain On Sale Of Ppe | $0 | $-23,700,000 | $0 | $0 |
| Other Special Charges | $83,800,000 | - | $1,800,000 | $12,000,000 |
| Provision For Doubtful Accounts | $616,100,000 | $814,700,000 | $736,200,000 | $481,400,000 |
| Selling General And Administration | $180,200,000 | $192,300,000 | $178,900,000 | $164,300,000 |
| Other Gand A | $78,800,000 | $97,900,000 | $87,200,000 | $88,700,000 |
Fetched: 2026-06-16
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $1,523,600,000 | $1,749,600,000 | $1,753,700,000 | $1,624,000,000 |
| Total Assets | $8,631,700,000 | $8,854,600,000 | $7,610,200,000 | $6,904,700,000 |
| Total Non Current Assets | $145,000,000 | $145,700,000 | $172,900,000 | $176,700,000 |
| Other Non Current Assets | $127,900,000 | $126,600,000 | $122,200,000 | $121,400,000 |
| Non Current Deferred Assets | $4,500,000 | $4,400,000 | $4,200,000 | $3,900,000 |
| Current Assets | $8,486,700,000 | $8,708,900,000 | $7,437,300,000 | $6,728,000,000 |
| Restricted Cash | $487,500,000 | $510,700,000 | $464,500,000 | $413,900,000 |
| Receivables | $7,976,400,000 | $7,854,500,000 | $6,959,600,000 | $6,306,400,000 |
| Taxes Receivable | $67,200,000 | $4,200,000 | $4,300,000 | $8,700,000 |
| Loans Receivable | $7,909,200,000 | $7,850,300,000 | $6,955,300,000 | $6,297,700,000 |
| Cash Cash Equivalents And Short Term Investments | $22,800,000 | $343,700,000 | $13,200,000 | $7,700,000 |
| Cash And Cash Equivalents | $22,800,000 | $343,700,000 | $13,200,000 | $7,700,000 |
| Cash Equivalents | - | - | $12,800,000 | $7,100,000 |
| Cash Financial | - | - | $400,000 | $600,000 |
| Debt | ||||
| Net Debt | $6,331,100,000 | $6,009,200,000 | $5,054,300,000 | $4,583,000,000 |
| Total Debt | $6,353,900,000 | $6,352,900,000 | $5,067,500,000 | $4,590,700,000 |
| Long Term Debt And Capital Lease Obligation | $6,353,900,000 | $6,352,900,000 | $5,067,500,000 | $4,590,700,000 |
| Long Term Debt | $6,353,900,000 | $6,352,900,000 | $5,067,500,000 | $4,590,700,000 |
| Current Debt And Capital Lease Obligation | - | - | - | - |
| Current Debt | - | - | - | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $7,108,100,000 | $7,105,000,000 | $5,856,500,000 | $5,280,700,000 |
| Total Non Current Liabilities Net Minority Interest | $6,707,900,000 | $6,672,000,000 | $5,456,700,000 | $5,017,400,000 |
| Non Current Deferred Liabilities | $354,000,000 | $319,100,000 | $389,200,000 | $426,700,000 |
| Non Current Deferred Taxes Liabilities | $354,000,000 | $319,100,000 | $389,200,000 | $426,700,000 |
| Current Liabilities | $400,200,000 | $433,000,000 | $399,800,000 | $263,300,000 |
| Payables And Accrued Expenses | $400,200,000 | $433,000,000 | $399,800,000 | $263,300,000 |
| Payables | $400,200,000 | $433,000,000 | $399,800,000 | $263,300,000 |
| Total Tax Payable | $0 | $117,200,000 | $81,000,000 | $2,500,000 |
| Income Tax Payable | $0 | $117,200,000 | $81,000,000 | $2,500,000 |
| Accounts Payable | $400,200,000 | $315,800,000 | $318,800,000 | $260,800,000 |
| Equity | ||||
| Common Stock Equity | $1,523,600,000 | $1,749,600,000 | $1,753,700,000 | $1,624,000,000 |
| Total Equity Gross Minority Interest | $1,523,600,000 | $1,749,600,000 | $1,753,700,000 | $1,624,000,000 |
| Stockholders Equity | $1,523,600,000 | $1,749,600,000 | $1,753,700,000 | $1,624,000,000 |
| Gains Losses Not Affecting Retained Earnings | $1,000,000 | $-300,000 | $-1,000,000 | $-2,900,000 |
| Retained Earnings | $1,119,200,000 | $1,414,700,000 | $1,475,600,000 | $1,381,100,000 |
| Other | ||||
| Ordinary Shares Number | $10,680,143 | $12,048,151 | $12,522,397 | $12,756,885 |
| Share Issued | $10,680,143 | $12,048,151 | $12,522,397 | $12,756,885 |
| Tangible Book Value | $1,523,600,000 | $1,749,600,000 | $1,753,700,000 | $1,624,000,000 |
| Invested Capital | $7,877,500,000 | $8,102,500,000 | $6,821,200,000 | $6,214,700,000 |
| Working Capital | $8,086,500,000 | $8,275,900,000 | $7,037,500,000 | $6,464,700,000 |
| Total Capitalization | $7,877,500,000 | $8,102,500,000 | $6,821,200,000 | $6,214,700,000 |
| Additional Paid In Capital | $403,300,000 | $335,100,000 | $279,000,000 | $245,700,000 |
| Capital Stock | $100,000 | $100,000 | $100,000 | $100,000 |
| Common Stock | $100,000 | $100,000 | $100,000 | $100,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Net PPE | $12,600,000 | $14,700,000 | $46,500,000 | $51,400,000 |
| Accumulated Depreciation | $-53,800,000 | $-51,900,000 | $-67,800,000 | $-60,500,000 |
| Gross PPE | $66,400,000 | $66,600,000 | $114,300,000 | $111,900,000 |
| Machinery Furniture Equipment | $45,900,000 | $46,300,000 | $52,600,000 | $50,200,000 |
| Buildings And Improvements | $17,800,000 | $17,600,000 | $58,800,000 | $58,800,000 |
| Land And Improvements | $2,700,000 | $2,700,000 | $2,900,000 | $2,900,000 |
| Properties | $0 | $0 | $0 | $0 |
| Treasury Shares Number | - | - | $0 | - |
| Leases | - | - | - | $0 |
| Line Of Credit | - | - | - | - |
Fetched: 2026-06-16
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $1,053,000,000 | $1,136,100,000 | $1,199,800,000 | $1,235,600,000 |
| Operating Activities | ||||
| Operating Cash Flow | $1,054,600,000 | $1,137,900,000 | $1,203,800,000 | $1,238,700,000 |
| Cash Flow From Continuing Operating Activities | $1,054,600,000 | $1,137,900,000 | $1,203,800,000 | $1,238,700,000 |
| Operating Gains Losses | $1,200,000 | $23,700,000 | $1,800,000 | - |
| Investing Activities | ||||
| Capital Expenditure | $-1,600,000 | $-1,800,000 | $-4,000,000 | $-3,100,000 |
| Investing Cash Flow | $-674,300,000 | $-1,721,100,000 | $-1,416,800,000 | $-460,600,000 |
| Cash Flow From Continuing Investing Activities | $-674,300,000 | $-1,721,100,000 | $-1,416,800,000 | $-460,600,000 |
| Net Other Investing Changes | $-684,900,000 | $-1,731,800,000 | $-1,421,300,000 | $-481,800,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-725,400,000 | $-313,300,000 | $-202,600,000 | $-784,500,000 |
| Financing Cash Flow | $-724,600,000 | $957,300,000 | $266,200,000 | $-794,600,000 |
| Cash Flow From Continuing Financing Activities | $-724,600,000 | $957,300,000 | $266,200,000 | $-794,600,000 |
| Net Other Financing Charges | $-18,800,000 | $-38,700,000 | $-26,900,000 | $3,800,000 |
| Net Common Stock Issuance | $-725,400,000 | $-313,300,000 | $-202,600,000 | $-784,500,000 |
| Other | ||||
| Repayment Of Debt | $-4,027,000,000 | $-8,451,600,000 | $-10,303,400,000 | $-8,193,500,000 |
| Issuance Of Debt | $4,023,100,000 | $9,745,300,000 | $10,793,900,000 | $8,164,500,000 |
| Interest Paid Supplemental Data | $438,400,000 | $393,400,000 | $242,100,000 | $147,300,000 |
| Income Tax Paid Supplemental Data | $279,300,000 | $103,700,000 | $31,900,000 | $72,700,000 |
| End Cash Position | $500,700,000 | $845,000,000 | $470,900,000 | $417,700,000 |
| Beginning Cash Position | $845,000,000 | $470,900,000 | $417,700,000 | $434,200,000 |
| Changes In Cash | $-344,300,000 | $374,100,000 | $53,200,000 | $-16,500,000 |
| Proceeds From Stock Option Exercised | $23,500,000 | $15,600,000 | $5,200,000 | $15,100,000 |
| Common Stock Payments | $-725,400,000 | $-313,300,000 | $-202,600,000 | $-784,500,000 |
| Net Issuance Payments Of Debt | $-3,900,000 | $1,293,700,000 | $490,500,000 | $-29,000,000 |
| Net Long Term Debt Issuance | $-3,900,000 | $1,293,700,000 | $490,500,000 | $-29,000,000 |
| Long Term Debt Payments | $-4,027,000,000 | $-8,451,600,000 | $-10,303,400,000 | $-8,193,500,000 |
| Long Term Debt Issuance | $4,023,100,000 | $9,745,300,000 | $10,793,900,000 | $8,164,500,000 |
| Net Investment Purchase And Sale | $12,200,000 | $9,300,000 | $8,500,000 | $24,300,000 |
| Sale Of Investment | $12,200,000 | $9,300,000 | $8,500,000 | $24,300,000 |
| Net PPE Purchase And Sale | $-1,600,000 | $1,400,000 | $-4,000,000 | $-3,100,000 |
| Sale Of PPE | $0 | $3,200,000 | $0 | $0 |
| Purchase Of PPE | $-1,600,000 | $-1,800,000 | $-4,000,000 | $-3,100,000 |
| Change In Working Capital | $-98,300,000 | $48,400,000 | $151,400,000 | $166,800,000 |
| Change In Other Current Assets | $-1,000,000 | $5,300,000 | $18,800,000 | $-3,900,000 |
| Change In Payables And Accrued Expense | $-34,300,000 | $43,000,000 | $128,200,000 | $70,200,000 |
| Change In Payable | $-34,300,000 | $43,000,000 | $128,200,000 | $70,200,000 |
| Change In Account Payable | $82,900,000 | $6,800,000 | $49,700,000 | $67,900,000 |
| Change In Tax Payable | $-117,200,000 | $36,200,000 | $78,500,000 | $2,300,000 |
| Change In Income Tax Payable | $-117,200,000 | $36,200,000 | $78,500,000 | $2,300,000 |
| Change In Receivables | $-63,000,000 | $100,000 | $4,400,000 | $100,500,000 |
| Other Non Cash Items | $-200,000 | $800,000 | $600,000 | $300,000 |
| Stock Based Compensation | $50,700,000 | $45,000,000 | $39,100,000 | $36,500,000 |
| Provisionand Write Offof Assets | $616,100,000 | $814,700,000 | $736,200,000 | $481,400,000 |
| Deferred Tax | $34,600,000 | $-70,400,000 | $-38,000,000 | $-7,700,000 |
| Deferred Income Tax | $34,600,000 | $-70,400,000 | $-38,000,000 | $-7,700,000 |
| Depreciation Amortization Depletion | $26,600,000 | $27,800,000 | $26,600,000 | $25,600,000 |
| Depreciation And Amortization | $26,600,000 | $27,800,000 | $26,600,000 | $25,600,000 |
| Amortization Cash Flow | $23,000,000 | $21,100,000 | $17,700,000 | $16,600,000 |
| Amortization Of Intangibles | $23,000,000 | $21,100,000 | $17,700,000 | $16,600,000 |
| Depreciation | $3,600,000 | $6,700,000 | $8,900,000 | $9,000,000 |
| Gain Loss On Sale Of PPE | $0 | $23,700,000 | $0 | $0 |
| Net Income From Continuing Operations | $423,900,000 | $247,900,000 | $286,100,000 | $535,800,000 |
| Purchase Of Investment | - | - | - | $-50,100,000 |
Fetched: 2026-06-16