Credit Acceptance Corp (CACC)

Price$561.66

Value ScoreC

Growth ScoreC

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)23.63%

Price vs S&P 500 (4W)8.66%

VGM Score56.08

Market Capitalization$5.91B

P/E Ratio (Annual)13.95x

All Metrics

P/CF (Annual)5.61x

Book Value / Share (Quarterly)$145.26

P/TBV (Annual)3.37x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)8.14%

Cash Flow / Share (Quarterly)$100.99

Price vs S&P 500 (YTD)18.42%

Net Profit Margin (TTM)19.49%

EPS (TTM)$40.25

10-Day Avg Trading Volume0.13M

EPS Excl Extra (TTM)$40.25

Revenue Growth (5Y)6.78%

EPS (Annual)$36.38

ROI (Annual)5.38%

Net Profit Margin (5Y Avg)25.13%

Cash / Share (Quarterly)$2.47

P/E Basic Excl Extra (TTM)13.04x

Revenue Growth QoQ (YoY)1.56%

EPS Growth (5Y)9.12%

P/E Normalized (Annual)13.95x

ROA (Last FY)4.91%

Revenue Growth TTM (YoY)4.52%

EBITD / Share (TTM)$93.48

ROE (5Y Avg)28.76%

Operating Margin (TTM)45.37%

Cash Flow / Share (Annual)$98.59

P/B Ratio3.90x

P/B Ratio (Quarterly)3.01x

Net Income / Employee (Annual)$183,200

EV / Revenue (TTM)5.29x

Net Interest Coverage (TTM)2.22x

ROA (TTM)5.23%

EPS Growth QoQ (YoY)43.21%

EV / EBITDA (TTM)11.62x

EPS Incl Extra (Annual)$36.38

Current Ratio (Annual)0.03x

Quick Ratio (Quarterly)0.03x

3-Month Avg Trading Volume0.19M

52-Week Price Return18.76%

EV / Free Cash Flow (Annual)11.68x

P/E Incl Extra (TTM)13.04x

Revenue / Employee (TTM)$1,005,200

Tangible BV / Share (Quarterly)$135.35

P/S Ratio (Annual)2.55x

Asset Turnover (Annual)0.27x

52-Week High$579.79

Operating Margin (5Y Avg)47.63%

EPS Excl Extra (Annual)$36.38

CapEx CAGR (5Y)-28.40%

Tangible BV CAGR (5Y)1.12%

26-Week Price Return39.56%

Quick Ratio (Annual)0.03x

13-Week Price Return17.81%

Total Debt / Equity (Annual)4.17x

Current Ratio (Quarterly)0.03x

Enterprise Value$12.29B

Revenue / Share Growth (5Y)16.36%

Asset Turnover (TTM)0.27x

Book Value / Share Growth (5Y)1.16%

Revenue / Employee (Annual)$1,001,400

Pretax Margin (Annual)24.40%

Cash / Share (Annual)$2.13

3-Month Return Std Dev41.46%

Net Income / Employee (TTM)$195,900

EBITDA CAGR (5Y)6.58%

EBITDA Interim CAGR (5Y)-1.76%

ROE (Last FY)27.82%

Net Interest Coverage (Annual)2.31x

EPS Basic Excl Extra (Annual)$36.38

P/FCF (TTM)5.62x

Receivables Turnover (TTM)47.24x

EV / Free Cash Flow (TTM)11.68x

Total Debt / Equity (Quarterly)4.23x

EPS Incl Extra (TTM)$40.25

Receivables Turnover (Annual)0.21x

ROI (TTM)5.71%

P/S Ratio (TTM)2.54x

Pretax Margin (5Y Avg)33.15%

Revenue / Share (Annual)$198.89

Tangible BV / Share (Annual)$127.30

Forward P/E11.49x

Free OCF CAGR (5Y)1.52%

Price vs S&P 500 (52W)-9.45%

P/E Ratio (TTM)13.04x

EPS Growth TTM (YoY)67.23%

Year-to-Date Return29.36%

5-Day Price Return5.29%

EPS Normalized (Annual)$36.38

ROA (5Y Avg)6.56%

Net Profit Margin (Annual)18.29%

Month-to-Date Return13.61%

Cash Flow / Share (TTM)$26.36

EBITD / Share (Annual)$88.57

EPS Growth (3Y)-2.62%

Operating Margin (Annual)44.38%

LT Debt / Equity (Annual)2.74x

P/CF (TTM)5.60x

ROI (5Y Avg)7.23%

P/E Excl Extra (TTM)13.04x

LT Debt / Equity (Quarterly)3.05x

EPS Basic Excl Extra (TTM)$40.25

P/TBV (Quarterly)3.22x

P/B Ratio (Annual)3.21x

Pretax Margin (TTM)25.74%

Book Value / Share (Annual)$142.66

Price vs S&P 500 (13W)8.06%

Net Margin Growth (5Y)-6.22%

Beta1.40x

P/FCF (Annual)5.61x

Revenue / Share (TTM)$212.35

ROE (TTM)29.39%

52-Week Low$401.90

vGradeC

gGradeC

mGradeB

vgmGradeC

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Earnings Surprise History

Q1 2610.71est. 10.73

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

2.44

2.38

Industry Peers — Personal Credit Institutions(14)

Symbol	Value Score	Growth Score	Momentum Score	Price
CACCCredit Acceptance Corp	C	C	B	$561.66
AFRMAffirm Holdings, Inc. Class A Common Stock	D	B	A	$72.91
OMFOneMain Holdings, Inc.	B	C	C	$54.76
NNINelnet, Inc. Class A	C	C	C	$129.16
SLMSLM Corporation	C	C	C	$22.06
ENVAEnova International, Inc.	C	C	B	$164.33
BFHBread Financial Holdings, Inc.	B	C	B	$89.39
LCLendingClub Corporation	C	C	B	$18.39
ATLCAtlanticus Holdings Corporation	C	C	A	$82.61
ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026	C	C	A	$25.15
ATLCZAtlanticus Holdings Corporation 9.25% Senior Notes due 2029	C	C	A	$25.71

About

Credit Acceptance Corp is a consumer finance company specializing in automobile loans for subprime borrowers through a nationwide network of U.S. auto dealers. The company generates revenue primarily from finance charges and servicing fees, supplemented by reinsurance premiums on vehicle service contracts. Its dealer-based distribution model enables both new loan originations and repeat customer sales.