CACC
CREDIT ACCEPTANCE CORP
Next earnings Jul 29, 2026 (after close) · consensus $12.09 EPS, $601M rev
Last earnings +3.7% on 2026-05-05
$628.86
▲ +0.83%$628.86▲ +25.68%
over 1Y
L $411.04EODHDH $628.86
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.8%
1W+8.9%
1M+13.8%
3M+49.9%
YTD+38.5%
1Y+25.7%
Hold
Conviction
Horizon
Medium (3–12mo)
12-mo target
$•••
Street · 8 analysts
Sell
Credit Acceptance's earnings rebounded 71% and ROE hit 27.8%, and big buybacks supercharge EPS — but it's a cyclical subprime auto lender.
Net income $424M · FY2025
The read
Middling fundamentals offset by an attractive price (~120% below fair value) — worth a look on the value angle.
Credit Acceptance is a highly profitable, idiosyncratic subprime auto lender, and FY2025 was a strong recovery year. Net income rose 71.0% to $424M and diluted EPS jumped 83.0% to $36.38 — the EPS outpacing net income because the company repurchased $725M of stock (+131.5%) and shrank its share count 10.7%. Revenue grew 7.2% to $2.32B, and the franchise's hallmark profitability reasserted itself: a 18.3% net margin and a 27.8% return on equity, the latter boosted by the leverage inherent in its lending model. After earnings troughed at $286M (FY2023) and $248M (FY2024) amid elevated loan-loss provisioning and funding costs, the rebound suggests credit and spreads are normalizing.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $1.86B | $1.83B | $1.90B | $2.16B | $2.32B |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $958M | $536M | $286M | $248M | $424M |
| Diluted EPS | $59.52 | $39.32 | $21.99 | $19.88 | $36.38 |
| Net margin | 51.6% | 29.2% | 15.0% | 11.5% | 18.3% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF6.4
PEG (trailing)0.24
Earnings yield6.3%
FCF yield15.6%
Quality & risk
ROIC (est.)—
Free cash flow$1.05B
Total debt$1.56B
Net cash-$1.54B
Piotroski F-Score6/7
Capital returns
Buyback yield10.7%
Dividend yield (est.)—
Shareholder yield10.7%
Shares Δ YoY-10.7%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗144Filing2026-06-26open ↗144Filing2026-06-26open ↗4Period ending 2026-06-242026-06-26open ↗4Period ending 2026-06-242026-06-26open ↗4Period ending 2026-06-242026-06-26open ↗4Period ending 2026-06-242026-06-26open ↗144Filing2026-06-25open ↗144Filing2026-06-25open ↗144Filing2026-06-24open ↗144Filing2026-06-24open ↗144Filing2026-06-24open ↗144Filing2026-06-24open ↗
Frequently asked
- Is CREDIT ACCEPTANCE CORP (CACC) a buy?
- CACC currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Credit Acceptance's earnings rebounded 71% and ROE hit 27.8%, and big buybacks supercharge EPS — but it's a cyclical subprime auto lender.
- What is CACC's fair value?
- A Modified-Graham model based on CACC's SEC fundamentals estimates a fair value of about $1,382.44. It is an estimate from reported earnings, not a price target.
- Is CACC overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, CACC currently appears undervalued relative to its SEC-grounded earnings power.
- What is CREDIT ACCEPTANCE CORP's quality score?
- CACC scores 82.41176470588235/100 (grade A-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000885550, latest 10-Q filed 2026-05-05) · EODHD · analysis by claude-code · as of 6/21/2026, 9:00:10 PM.
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